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PostPosted: Wed Feb 20, 2013 11:47 am 
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We started doing Financial Peace University on Monday.

Cut up the credit cards.

Did the quickie budget and realized that my husband's paycheck won't even pay for what's on the quickie budget without including food and gas.

Apparently I need to pick up the pace on my contract work...

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PostPosted: Thu Feb 21, 2013 1:35 pm 
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Since we moved to Germany, we've managed to reduce our monthly outlays by $1,050.00 per month by paying off my Jeep, paying off our tax bill to Virginia and paying off a credit card. We're expecting a $7,500.00 Federal tax return, but the Fed's will take all of it for our outstanding tax bill of $9,000.00. We'll use our $1,700.00 state tax return to get rid of the Federal tax debt and be done with it finally!

Unless the dollar collapses this year, we'll be 100% debt free by November except for the mortgage and then we have renters paying for it.

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PostPosted: Sat Mar 02, 2013 2:22 pm 
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Hey Everyone:

I paid off a credit card yesterday. One down, four to go, and it is just student loans which are very managable right now.

Odinsown

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PostPosted: Sat Mar 02, 2013 6:46 pm 
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Sold my 08 Dodge, which paid off the credit cards and most of the student loan. Back to DD my 87 Wrangler until 100% debt free.

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PostPosted: Fri Mar 08, 2013 9:11 pm 
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Almost two weeks ago I took out my irs debt. Been paying a tax credit back and knocked it out in a little less than a year. Got two main ones to take on, credit card and student loan. Will be done hopefully, by next year.

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PostPosted: Fri Mar 08, 2013 10:39 pm 
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I'll play...


Owner/Operator of your own business - the American dream
Owner/Operator of your own business - the debt-zed wet dream

All was good, all was grand - business was booming, then it slowed down and a few semi-forgotten lurkers reared their ugly heads. I was taking pot shots and keeping everything in the trenches until the supposedly 'arranged' med debt became un-arranged. SEVEN figures worth of we want it right now med debt, 7 hate filled, blood sucking, digits all lined up to the left of the decimal. It wa snot an attack, it was not an assault - it was an all out attempt at annihilation - no prisoners, no mercy, just dust.

Potshots were out of the question, and all the carefully hoarded light munitions were gone. I was throwing rocks at a problem that called for MOABS.
New plan, close the business to protect my assets - dust off the old skills and certs and go to work for somebody else.
Got back into apartment maintenance, shitty job BUT - as supervisor it includes a free apartment, rent my house out at 2x mortgage payment. Use difference to saturation bomb all small debts. Lease extra/duplicate out equipment (all owned by me, never did finance that) to other entrepreneurs - use that income to strafe med-debt(will never destroy that but will keep it on its heels indefinitely). Side work for best customers of previous business for cash - efficiently snipe all living expenses from deep cover. Income from actual job is converted at 90 percent into hard currencies and assets. I now have multiple layers of hard cover and both short and long range detection systems.


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PostPosted: Thu Mar 21, 2013 6:04 pm 
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Just paid one of my loans off in one go with my tax money. $1,545.97

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PostPosted: Thu Mar 21, 2013 8:13 pm 
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Man I love to see the debt zombies die horrible evil deaths.

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PostPosted: Tue Mar 26, 2013 11:59 am 
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Still working on debt zombies...

2011 truck that had a $550 a month bill... H-H-H-Headshot!
old crappy Ford car $240 a month bill... eviscerated..

I consolidated into a used car with a $350 a month payment and dropped over $180 a month in insurance costs with the switch

Still have a $900 balance credit card and a $4000 balance credit card. $100 a month pot shots at each of those since they both barely have 6% APR's
The behemoth super zombie old debt consolidation loan at a 15K balance and $500 a month payments is hard to beat...but it's happening slowly...

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PostPosted: Tue Mar 26, 2013 12:50 pm 
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Good job!

Keep nibbling at those debts folks...
Can we beat them?
YES WE CAN!!

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PostPosted: Tue Mar 26, 2013 10:37 pm 
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I am down to just my vehicle and my house. I could comfortable pay both of those every month for the rest of my life. But I am going to work to get my vehicle paid off sooner than the actual loan term, so I can just have my house. I THINK, when that happens, I might get rid of my Menard's Card and my Goodyear Card (both paid off right now), and just get one VISA card or something to keep around in case of emergency. I'd like to have my emergency fund be in cash, but I feel like in today's day in age, you can't go wrong with a credit card sitting around in case there's some high-dollar emergency that comes up, with a cash reserve on hand to pay it off, or mostly off right away.

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PostPosted: Thu Mar 28, 2013 4:36 am 
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One more credit card payed off! One more to go.

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PostPosted: Thu Mar 28, 2013 5:57 am 
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Well, let me hop in here.
1. Paid off my Xterra about 9 months ago. Nice.
2. Paid off my wifes Saturn Vue about 1 year ago. Nice.
3. 2 months from paying off a refinance on my home that saved me $500 a month in mortgage.
4. Then student loans for my wife will be destroyed.
Plan is going according to plan. Love that. :D

I'm only going to be furloughed for 5-7 days due to govt. sequester.

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PostPosted: Tue Apr 30, 2013 11:08 pm 
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This is the bad kind of post. I raised a new zombie. Got a new to me 2006 toyota prius. I traded in my paid for heap and 500 down. The positive is that I got the prius for fair market value, according to web sites. The bad, it will cost me 300 more in car payment a month and about 40 more in insurance. The good is, those payments are only scheduled for 34 months. I had to have reliable transportation. Which conflicted with my goal to be out of debt by next year. It will add another year to my debt reduction schedule if I work hard. I think I can have everything paid off in ~2 years with a bit of work and a bit of luck. I was going to have the credit card zombie slain this year and then the student loan zombie next year. Next two months will be tight until the vehicle taxes are paid off and the first payment is made. Then I need to focus on my credit card zombie and a couple of old outstanding debts. If time allows I may try to take on a part time job to knock out the debt sooner, but it depends how I feel. I feel bad that I added debt, but weighing my option it was the best bad choice.

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PostPosted: Wed May 01, 2013 4:14 am 
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Yesterday I paid off the loan I took out against my pickup. I own that bitch again.

20 months and I am done paying in my chapter 13 plan. :)


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PostPosted: Sun Jul 07, 2013 6:10 am 
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On July 4th 2013, I became an independant, FREE MAN again! :clap:

1. I paid off the remaining $8,800.00 I had in credit card debt.
2. Paid off a 30% loan that I had (stupidly) run up. Paid off the remaining $1450.00 of that $4,500.00 note.
3. Paid off my Federal Income Taxes. $3,942.23 GONE! (This one was breaking my back for SIX YEARS! I got back from contracting in Iraq and got hit with a $26,000 + Federal tax bill and then in Commonwealth of Virginia dogpiled on me, demanding another $8,000+ from me even though I hadn't lived in Virginia, nor owned any property in Virginia since 1994!)

Now all I owe is my mortgage (renters are paying that for me) and my wife's car. I anticipate being able to pay that off within three months.

FREE AT LAST! FREE AT LAST! THANK GOD ALMIGHTY! I'M FREE AT LAST!

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PostPosted: Sun Jul 07, 2013 3:47 pm 
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Ok the following is not exactly on topic but it is close enough. Those of you with mortgages at interest rates above 5.25% may want to consider a refinance. The long term mortgage rates jumped last Friday and conventional wisdom says that they have no where to go but up from these low rates. It is also possible that the Fed will not ( or will be unable to) keep rates much below 5%. So if you need a refi, time to get moving on it.

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PostPosted: Sun Jul 07, 2013 4:03 pm 
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Gingerbread Man wrote:
Well, let me hop in here.
1. Paid off my Xterra about 9 months ago. Nice.
2. Paid off my wifes Saturn Vue about 1 year ago. Nice.
3. 2 months from paying off a refinance on my home that saved me $500 a month in mortgage.
4. Then student loans for my wife will be destroyed.
Plan is going according to plan. Love that. :D

I'm only going to be furloughed for 5-7 days due to govt. sequester.


And now the home re-finance is paid off. Boom-shaka-locka. $700 a month back in my tisket.
'Bout to make student loans my bitch. :vmad:

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PostPosted: Sun Jul 07, 2013 4:23 pm 
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Hey everyone:

I got a fat check from the insurance company because their guy hit me in the parking lot. I paid off three credit cards. Extra $95 a month back in my pocket!

Odinsown

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PostPosted: Tue Jul 09, 2013 10:12 am 
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75 left on my student loan
God knows about my medical debt but it will be dead soon enough

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PostPosted: Tue Aug 06, 2013 6:37 am 
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PAID OFF THE WIFE'S CAR! GOT THE TITLE! YEAH BABY! :clap:

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PostPosted: Tue Aug 20, 2013 3:17 pm 
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I have done recon and I am currently preparing for a shock and awe attack on the student loan zombies. They won't know what hit them.

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PostPosted: Tue Aug 20, 2013 4:22 pm 
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Figured I would jump on board.

Made a plan to eliminate/reduce debt

4 loans:
1.) wife's car (was smallest loan) eliminated
2.) my car (will be elimated by 1/1/2014) butchering act in progress
3.) wife's student loans (by 1/1/2015) will be slain much faster after #2 is finished
4.) house

Figure we will sell this house before we ever own it.. All to buy another house.


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PostPosted: Wed Aug 21, 2013 12:31 am 
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I've been running from debt zombies most of my adult life, and I've managed pile a few re-dead corpses across the pyres. But the horde seemed to grow in spite of my best efforts. They milled about outside of my BIL, and their moans kept me awake far into the wee hours of the morning. As I built my business, the debt zombies multiplied, crying out "DRAIN! DRAIN!" Then, a few weeks ago, thanks to a lot of hard work, I got the Mother Of All Bombs in my arsenal: A Large Cash Infusion. I gathered my clan and laid out my plan. Then we prepared our weapons and plunged into battle.

BOOM! $23,000 in medical debt zombies turned to jelly under our assault!

POW POW POW! A three-round burst splattered the heads of three credit card zeds that had been plaguing me for a decade!

Ka-Whooph! $43,000 in legal bill zombies were obliterated in a single shot!

ACKACKACKACK! $15,000 in business loan zombies were shredded by AAA as they tried to fly over our defenses!

As the smoke cleared, I gazed upon the field of ruin. Only three hordes remained huddled close together beneath the false security of a default judgment. I prepared the last shot, a mortar round, as my mother called in the coordinates. THOOMP! The round arced over the walls of my redoubt and landed dead-center, sending those foul creatures back into the fires of Hell from whence they came!

The field of battle is now littered with the burned out husks of the enemy.

I AM DEBT FREE! MY FAMILY IS DEBT FREE!

None stand to oppose me!

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