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Viewing profile - smok wawelski

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smok wawelski
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Joined: Sat Mar 08, 2008 7:06 am
Last visited: Thu Jul 10, 2008 1:36 pm
Total posts: 16
[0.02% of all posts / 0.01 posts per day]
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Most active forum: General Discussion
[ 5 Posts / 31.25% of user’s posts ]
Most active topic: I don't want to be a paperboy again
[ 2 Posts / 12.50% of user’s posts ]

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Website: http://escapedebthell.blogspot.com

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smok wawelski Posts

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 Forum: Fiscal Fitness Journals   Topic: 4 months later: still struggling, but hanging in.

Posted: Thu Jul 10, 2008 12:15 pm 

Replies: 1
Views: 3532


Nobody ever said getting out of debt is easy. It isn't, and sometimes, you just want to chuck everything, sell all assets, pay off debts, and go off and live in the backwoods somehwere, away from the rat race... but quitting is for losers....fighting on is what people do when they leave the pity par...

 Forum: Personal Finance   Topic: 401k v's paying off debt

Posted: Wed Mar 19, 2008 11:25 am 

Replies: 12
Views: 6186


If I had a 401 K or canadian equivalent to raid to get rid of my debt, I'd do it in a NY minute without a second thought. I recognize that i would have income tax deducted on the spot, but to change the situation I'm in, it would be easy to take. If I could pay down all my consumer debt today, I wou...

 Forum: Fiscal Fitness Journals   Topic: I don't want to be a paperboy again

Posted: Mon Mar 17, 2008 6:07 am 

Replies: 13
Views: 7972


These past couple of weeks have been difficult for me emotionally. I keep going alternating between the "we can do this" and the "we're doomed" feelings. What gives me hope is the realization that the first few months are going to be the hardest because we're changing everything...

 Forum: Personal Finance   Topic: What car do u drive now and what would u buy if you had to?

Posted: Mon Mar 17, 2008 5:10 am 

Replies: 67
Views: 26092


We have two cars. one is a 1995 Ford Contour (paid for) which suits my 6'3" frame just fine. we also have a 2007 Saturn Vue, which my wife just HAD to have ("I work hard, I deserve it!") with lease payments of 374 per month. It really guzzles the gasand costs me $50.00 to fill the tan...

 Forum: Success Stories   Topic: My 4 Steps to Staying Debt Free in 2007

Posted: Fri Mar 14, 2008 9:35 am 

Replies: 17
Views: 17009


Democracy. I've read stuff about that, but I haven't yet seen it put into practice. Good luck with conforming to societal norms though, I hope that works out for you. Haha! I love it. You: "Stealing music and movies is a great way to save money!" Me: "That's unethical." You: &qu...

 Forum: Success Stories   Topic: My 4 Steps to Staying Debt Free in 2007

Posted: Fri Mar 14, 2008 7:22 am 

Replies: 17
Views: 17009


As far as dowloading music goes, Emusic is a good deal. you can get 50 free downloads just for joining, and in my case anyway, because I bought an RCA Lyra MP3 player, I was able to get 100 free downloads as part of one of their special promos. regular prices are decent too, about $0.33/song. They a...

 Forum: Fiscal Fitness Journals   Topic: I don't want to be a paperboy again

Posted: Thu Mar 13, 2008 1:37 pm 

Replies: 13
Views: 7972


Congratulations paperboy! keep it up and keep us informed! My situation is strikingly similar to yours in most respects. I plan on paying off my first card sometime in early april. I am looking forward to that day more than any other in many many years. I too, have no intention of ever again taking ...

 Forum: General Discussion   Topic: Drowning in insurance?

Posted: Thu Mar 13, 2008 5:53 am 

Replies: 5
Views: 5303


I'm paying $51/month for a term life insurance policy that would give me 150 000 if something happened to my wife, and give her 250 000 if I go first. I have another term life policy at $45/month which covers me for 360 000 for her in case of the worst. She was refused because the Co. found out abou...

 Forum: Personal Finance   Topic: Scared to spend

Posted: Wed Mar 12, 2008 4:20 pm 

Replies: 7
Views: 3717


Do you have enough to live on until the first money starts coming in? I was let go from my place of employment on Oct. 30th 2002, at 4:30 PM. I saw it coming, so i made sure that my home office was in order. I had phone fax and computer in place and that was all I needed. I was already using my own ...

 Forum: General Discussion   Topic: Predictions from 1900

Posted: Wed Mar 12, 2008 1:42 pm 

Replies: 7
Views: 8198


These predictions were quite amazing. JD, as far as America ceasing to be the dominant power, that all depends on us. We the citizens have to get rid of our personal debt, and only buy what we can afford, and demand the same of government! If we do not, and they do not, THEN America will be replaced...

 Forum: General Discussion   Topic: What is the stupidest financial mistake you ever made?

Posted: Wed Mar 12, 2008 1:22 pm 

Replies: 21
Views: 10762


I'm posting this now, because i just had to furtively slink on in to my local CitiFinacial office and make my exorbitant monthly payment. Answering their letter in the mail offering me a loan of X amount and then walking into their office and signing on for it is my second biggest regret (the bigges...

 Forum: Personal Finance   Topic: Credit Repair Advice

Posted: Wed Mar 12, 2008 1:11 pm 

Replies: 2
Views: 2129


Where can I find "how to freeze yoru credit report"?

 Forum: General Discussion   Topic: Anyone else in a buy vs. rent dilemma?

Posted: Wed Mar 12, 2008 6:56 am 

Replies: 23
Views: 11706


If you were in Canada, I'd definitely suggest buying, simply because we don't have a subprime mortgage crisis here. Banks and lenders are fr more regulated. While prices across the lake have been taking a hit, in my neck of the woods they rose by 11% again last year, so in the nearly 2 years I've li...

 Forum: General Discussion   Topic: What do you think the answer is to rising health care costs?

Posted: Tue Mar 11, 2008 5:53 pm 

Replies: 86
Views: 36703


Another Canadian weighing in.... I am self employed, and was recently given some idea of what my health care premiums for my family would cost in the USA , if i wanted my whole family covered. We figured it would be over $10 000 per year... While I pay income tax in Canada, I don't pay nearly that m...
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