The Official ZS DEBTSQUAD: BODY COUNT thread.

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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by JCgoose » Mon Nov 30, 2009 4:50 am

My debt zombies are pretty small. Biggest thing getting me into debt is no longer an issue thanks to my Caldari Navy Issue Dual 250m Rail Guns.

I am starting to get everything into shape and I am one pay off catching up with all my bills and spending large amounts rebuilding my drinks collection.

Untill then all I can do is sit tight and hope I've got enough anti-matter charges to fend off the debt-zeds
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by by-the-throat » Mon Nov 30, 2009 6:48 am

Debt Zombies, like Real Zombies, are better beaten by avoidance. On the other hand, I'm a dumbass, and have 70k in student loans for a degree I didn't even finish. I've been using E&E against the horde for some time, but the time had finally come for me to stand up and face them and I've been paying them in kind for all the humiliation I have suffered. Soon I will pile their bloodsucking carcasses to the sun.

I have been methodically dividing up my paycheck and my other sources of income into bills, petty cash, gun fund, christmas fund that will become savings fund post holidays, farm fund and debt, which is becoming the largest percentage of it rapidly in order to make the needed payments. I am working all the overtime I can and working every holiday to increase my ammunition, and also considering some part time plasma donation to replace my petty cash fund that goes for my drinks, cigarettes and once a week trip to Naughty Dog Hot dogs. I bought my car for cash and got it running through sweat equity, am buying NO FIREARMS for 2010 (the greatest casualty in this ongoing war methinks) and soon I will have the minor petty debts to cable company zombies and parking meter zombies paid off so I can focus fully on the Green Horde.

Lee, this has been a great thread and it has given me hope :) Thanks.
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by TravisM.1 » Mon Nov 30, 2009 7:20 am

In my money-saving and debt reducing efforts, I've found that "Buy nice or buy twice" applies to more than just riflescopes and boots. Money spent on low-quality shit, from TVs to cars, is just as much money thrown away.
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by ninja-elbow » Mon Nov 30, 2009 3:55 pm

TravisM.1 wrote:In my money-saving and debt reducing efforts, I've found that "Buy nice or buy twice" applies to more than just riflescopes and boots. Money spent on low-quality shit, from TVs to cars, is just as much money thrown away.
I'm getting better at this. If it 'aint the best I can buy - I don't buy it. I could have gotten a (used) new laptop for $200 but got a nice one (really new) for $700 instead with a warranty and decent software. I just avoided spending over $100 at Sportsman's guide on stuff that I didn't really need ('cause I already had it) and were of dubious quality anyways ... but I really had a need to use that $10 off coupon :lol: . I'm glad I still have that money. It's not getting a new thing - it is investing in your future.

I'm just hoping to train myself to not buy and to fill that habit with something else. Not there yet but it helps to get letters in the mail stating your debt is paid off or cancelled and a shitty-low FICO score turns into a verge of not bad FICO score. Someday, maybe, I'll be the guy that goes jogging instead of buying shit reflexively.

Now, to get into the mindset of *10 beans? What do you buy?* - an exercise we do at financial fitness class every Wednesday.
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by TravisM.1 » Mon Nov 30, 2009 5:07 pm

ninja-elbow wrote: Now, to get into the mindset of *10 beans? What do you buy?* - an exercise we do at financial fitness class every Wednesday.
How does that exercise work?
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by ninja-elbow » Tue Dec 01, 2009 1:09 pm

Beginning of class you get 10 beans. You get a list of stuff to buy with said beans, like:
new fashion shoes - 2 beans
electric bill - 3 beans
collector's pocket knife - 1 bean
dinner out with friend - 2 beans
new cell phone, low-end - 1 bean
new cell phone, newest kind - 3 beans
small coffee and pastry every morning for a week - 1 bean
fill car's gas tank - 3 beans
yadda yadda yadda...

And then you go shopping and discuss for about 30 minutes your purchases and what and why you did what you did. I'm having a "coffee and pastry" problem. :evil: We also keep the beans we don't spend weekly in a jar, but our instructors may whoop out repercussions on us if we don't pay the electric bill or get gas. It's an exercise built for us financial retards.

ETA: I'm thinking, for me atleast, it's less about saving beans and more about critically thinking about your personal spending habits and discussion about them. I'm pretty good at the concept (beans) but in daily practice not so much (my actual bank account). This allows me insight in what I'm doing though with out real money and in an invironment where a coach is available to point out my weaknesses and help me improve upon them.
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by thorian » Thu Dec 03, 2009 5:37 pm

With in 6 months I hope to have the rest of the debt paid off. We had to go full on nuclear and poison our own water. Filed Chapter 7 and lost everyting that was paid for.

However the debt that isnt discharged is under repayment plans. Back taxes and Student loans. I sold off everything I could and cashed out my 401k but $100k on almost 300k in medical bills wasent enough. They came after my pay and when it was choosing between medicine and food the nuclear option was launched.

My only advise is to hope that you never have a child with a mental disorder. Medications will be $1000 a month of non covered BS and at $30k a month for hospitalization no one can pay for it.

Come 1/1/2010 though a federal law signed by Bush comes into affect making it illegal for insurance companies to not cover mental health treatment. Oh this is for a mental problem and not a physical "DENIED"
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by ozwyn » Fri Dec 04, 2009 11:30 am

Company stock did well this year. sold some options in november and should be out of all non-mortgage debt by the end of january 2010. (car, 2 credit cards = paid in full)

That's dumb luck, not skill. I still have employee stock purachased stock and a few more options available.
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by Palandine » Fri Dec 11, 2009 2:24 am

I wish I had the skill for vivid prose.

Instead, I'll just say that tonight I wrote the check that double-tapped my final debt zombie, the car. It's paid off 11 months early. I have no debt--no credit cards, no car payment, I'm cash-flowing Christmas. I rent, so no equity but no mortgage either. This year
I charged a $2000 vacation and paid it off, and in the past I've paid off a previous car and $20000 in student loans.

Resolution for 2010 is work like hell for $20k in the bank, some in silver, and deeper preps.

In the immortal scream of a Dave Ramsey listener:

IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII'MMMMMMMMMMMMMMMMM DEEEEEEEEEEEEEEEEEEEEEEEEEEEEBTTTTTTTTTTTT FREEEEEEEEEEEEEEE! 8) :mrgreen:
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by Mstrkage » Fri Dec 11, 2009 2:39 am

I have not defeated any of the debt zombies that are keeping me buried but I have been calculating a plan to make a large dent in with this coming tax return. After the initial strike with the tax return I will be rolling the payments from what I have destroyed into those still nagging me. My biggest tactical decision is to finish off the car note or the credit card zombies first.

Those that have been victorious thanks greatly for posting, large inspiration for those of us that seem forever embattled by these demons.
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by BethDeath » Fri Dec 11, 2009 8:52 am

We busted out the full aresenol (grandparents), and managed to destroy the student loan zombies. Now we have past utility bill zombies, and medical bill zombies. Although there are more of them they are not quite as strong as the student loan zombies.

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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by sql_yoda » Mon Dec 14, 2009 9:52 pm

Palandine wrote:tonight I wrote the check that double-tapped my final debt zombie, the car. It's paid off 11 months early.
I hate to raise an unpopular opinion here, but you lost a certain amount of "zombie credit" paying off the debt early. Your money today is worth slightly more than the same quantity will be in 11 months, and you basically both gave them more value than you orginally agreed to borrow, AND you probably got docked a few points on your score because you strayed outside the agreement.

The trick to credit management is to never go over your head. You can borrow tons of money until the cows come home, and the more you borrow the more they will loan you at a cheaper rate of return; if you can both use it wisely and pay as agreed, you'll come out ahead of the game. Paying something off earlier than agreed just gives your creditors more ultimate value than you paid for the 'privilege' of borrowing, and it almost always costs you some rating points (the one exception seems to be student loans that are federally insured; nobody seems to care if you stray outside of your agreement as long as tax money makes up the difference in value over time).

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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by Palandine » Wed Dec 16, 2009 12:05 am

I was interested in a house about a month ago and had my credit union run my credit score for a pre-approval letter. They said it was one of the best numbers they'd ever seen. I see your logic about how the numbers go, but in these uncertain times, I prefer to own everything straight out and pay cash on the barrel from here on out. YMMV.
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by sql_yoda » Wed Dec 16, 2009 4:20 pm

Palandine wrote:I was interested in a house about a month ago and had my credit union run my credit score for a pre-approval letter. They said it was one of the best numbers they'd ever seen. I see your logic about how the numbers go, but in these uncertain times, I prefer to own everything straight out and pay cash on the barrel from here on out. YMMV.
Yeah peace of mind definitely has a value too, and that doesn't get figured into a loan agreement from the creditors end. Good job on the car.

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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by iMack » Tue Dec 29, 2009 12:05 am

Finally making a dent in my credit card debt. Down to $4,000... When it's at zero I'm shredding that thing.

I.. just.. cant.. wait

Tired of debt looming over my head.

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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by ManikMakki » Tue Dec 29, 2009 12:26 am

Not necessarily debt, it was getting to that point. My family just switched car+house insurance from Farmers to AFI (Armed Forces Insurance), and we're saving about $2,000 a year. If anybody that is active/reserve/or retired are pissed with insurance rates, look at AFI's quotes.
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by ninja-elbow » Fri Jan 15, 2010 2:24 am

Dealing with the last long time ago roamer. Was $860 but I was able to get it down to $430 and paid the first $200 of it last week. Will kill it off by February and all that's left on my credit report is a few itty bitty shamblers and then it is clean. My FICO has gone up significantly since I started doing this in October.

Paying off my old mistakes and keeping up my currents (truck, rent, utilites) takes some energy - mostly just calling up them credit agencies and dealing with them properly but it feels good to be doing right.

Also got a little savings account going too. Moving to the local credit union was a good idea.
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by MacAttack » Sat Jan 16, 2010 5:11 am

Got laid off almost a year ago.
Don't cry for me yet!!

I didn't know when I would be getting back to work. I did end up getting called back after 6 months. But in the mean time I manned up.

I sold some inherited land that I had never seen and would never make a good BOL.
Sold a classic car I was hoping to finish one day.
Held off on the expences and ate beans and hamburger for the time I was off.
Took ALL the savings and cash i could scrape together and paid off my only debt. The house.

Slapped that bitch in the face.
Now I'm debt free and happy as hell. I put aside enough for property taxes each month and still live on hamburger helper and beans.

Saving 400 extra dollars a month is WAY better than spending it.




Granted I have always been a tightwad but having to owe the bank anything just ate at me.

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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by pyratemime » Thu Feb 11, 2010 7:34 am

Just got my tax return and that is going to get my wife current on all of her pre-marriage bills, pay of my truck, finish paying for my school, and cover a work related bill I have been carrying for a little over a year. We have cut our debt by fully a 1/3 since the beginning of the year and without the truck payment have added over $500/mo to the budget that can now be directed to other existing debts and get them paid off faster. Next on the hit list is our furniture. Smaller bill with a low interest rate but a PITA company to deal with.
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by BethDeath » Thu Feb 11, 2010 3:20 pm

Once we get our return we should be able to pay off EVERYTHING! I can't freaking wait to be debt free!!!

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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by Krustofski » Thu Feb 11, 2010 6:46 pm

I hope this will be my one and only post in here ever, and I'll never have to deal with that kind of zombie again.

I finaly paid back the state of Northrhine-Westphalia. There are my student loans, take it, it's all yours anyway!
So... hurray, no debt for me. :D
Off the internet until further notice.

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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by TravisM.1 » Thu Feb 11, 2010 6:55 pm

The only reason I'm getting a return this year is because I was laid off for about five months. Due to a paperwork problem at my wife's job (she was supposed to start accumulating hours towards a 300hr stipulation to receive the option for health insurance in August, and they didn't start counting them until October) we were out of insurance from October 1 until January 1.

As it always goes, when you don't have it, you need it. My son fell off his mountain bike and broke his knee, which then required a few weeks of physical therapy after the cast came off. My wife chipped a tooth and ended up needing that tooth repaired and three fillings. Both kids went for their annual vision checkup and ended up needing glasses. Both kids had dental visits during the uninsured period.

We were lucky enough to have more than enough saved to pay for it all out of pocket. I wasn't expecting to even get a return this year (We've actually owed money the past three or four years), so I was pleasantly surprised when our tax guy called and told me to drop off any medical receipts we might have because of the unemployment/lack of insurance.

Its probably just gong to get tossed into the savings account.
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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by davec921 » Thu Feb 11, 2010 7:03 pm

Well was in to about 10k debt zombie at the beginning of last year.
I cashed in a roth Ira just before the big crash an payed that down to half.

Then the zombie cards got ma again an it got back up a little.
Since I am heading in to the army I haves sold my truck. That all most payed off one card.
Then with my tax return It should pay off two of the for I have.

My goal is to be down to only one card by june. an It looks like I will get there.
Then the first thing My money will go to in the army will be that last card.
Ill still have my house debt but it is a duplex an that will be paid for by the rent I collect.

God I cant wait to finish off those DAM CARDS

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Re: The Official ZS DEBTSQUAD: BODY COUNT thread.

Post by SkullGirl » Sat Feb 13, 2010 12:01 pm

Currently the only debt I have is a car that I lease and a home that I just purchased. Three years ago I did away with CC debt and anything else that was not serving me well. Hopefully when my lease is up, I will be purchasing my car and then all I will have is a house payment.

I DO NOT USE CREDIT CARDS FOR ANYTHING! If I do not have the money in the bank or cash on hand, I do not buy it. I am slowly learning how to be more frugal and how to find other means of getting things I need (legally of course) without using CC or borrowing.

I've become a HUGE fan of Craigslist and dumpster diving to get the things that I need, but maybe cannot afford brand new. I plan on starting a garden at my new house in hopes of growing my food and I came across some solar panels on Craigslist that I will be buying to put on my new house and keep my electric bill down or at 0.

I've learned that debt is not a place I wish to be again and it is such a relief to be free of it.
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