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Viewing profile - godbois

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godbois
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Joined: Tue Sep 28, 2010 6:48 am
Last visited: Wed Oct 27, 2010 12:59 pm
Total posts: 10
[0.01% of all posts / 0.00 posts per day]
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Most active forum: Personal Finance
[ 9 Posts / 90.00% of user’s posts ]
Most active topic: Debt DESTROYED. Now it's time for school. Thoughts?
[ 8 Posts / 80.00% of user’s posts ]

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godbois Posts

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 Forum: Personal Finance   Topic: Credit Score Question: Buying a home?

Posted: Fri Oct 08, 2010 7:05 am 

Replies: 9
Views: 7581


My credit union just ran a credit check on me. My credit score is at 665. I recently destroyed 30k of credit card debt, so this is to be expected. Cursory internet research tells me my score is decentish. My wife is slightly higher than I am, but still in the 600 range. 675 - 685 or something. My cr...

 Forum: Personal Finance   Topic: Debt DESTROYED. Now it's time for school. Thoughts?

Posted: Wed Sep 29, 2010 5:54 pm 

Replies: 19
Views: 3362


Yeah. We both grew up in NH. We moved to Boston a couple years ago because of her job. It's funny, a lot our friends and cousins around our age moved here too for similar reasons. NH is hemorrhaging young people. We love the state, though. $625 is nice. When we were in NH we had $400 or so. Now we s...

 Forum: Personal Finance   Topic: Debt DESTROYED. Now it's time for school. Thoughts?

Posted: Wed Sep 29, 2010 1:07 pm 

Replies: 19
Views: 3362


I've been working full-time and going to school part-time since 1998. It may take awhile, but I think its the best path. I find that the practical work experience is worth quite a bit, and more than makes up for the extra time. Several other people have pointed out an important subject, though. My ...

 Forum: Personal Finance   Topic: Debt DESTROYED. Now it's time for school. Thoughts?

Posted: Wed Sep 29, 2010 1:04 pm 

Replies: 19
Views: 3362


Do you live in an expensive part of the country? Community College should be cheap enough for you to pay out of pocket, I would think, even on one salary. Its the exact situation I am in right now. My husband is the only one with full time income (makes about $42k gross), I tutor for the school and...

 Forum: Personal Finance   Topic: Debt DESTROYED. Now it's time for school. Thoughts?

Posted: Wed Sep 29, 2010 9:51 am 

Replies: 19
Views: 3362


There are different kinds of software development. I work as a web developer but I do not design web sites. We have other people in the company who design the shiny bits. Then my colleagues and I put the functionality behind those shiny bits. I have certainly worked with people who do this without ...

 Forum: Personal Finance   Topic: Debt DESTROYED. Now it's time for school. Thoughts?

Posted: Tue Sep 28, 2010 2:51 pm 

Replies: 19
Views: 3362


I'd keep doing what you're doing. Yes, it'll take 5-6 years, but it's the lowest-risk solution. You get to keep your high income (which you said is very important to you), you get to keep eliminating debt (your car loan counts as debt, despite what your choice of thread title implies), and you have...

 Forum: Personal Finance   Topic: Debt DESTROYED. Now it's time for school. Thoughts?

Posted: Tue Sep 28, 2010 2:47 pm 

Replies: 19
Views: 3362


I generally agree. But if you are eventually headed to a BS you'll need to realize that most schools will only accept classes that are less than 7-10 years old at the time of graduation, especially in high tech fields like computer science. You could find yourself having to retake a lot of stuff la...

 Forum: Personal Finance   Topic: Debt DESTROYED. Now it's time for school. Thoughts?

Posted: Tue Sep 28, 2010 2:42 pm 

Replies: 19
Views: 3362


I think you should finish the degree faster;work part-time and school full time take 12 credits per semester until your done. The degree that your seeking is worth the loans if you had to take them. I understand why you don't, I wouldn't want to neither. Take a look at your budget and see where you...

 Forum: Personal Finance   Topic: Debt DESTROYED. Now it's time for school. Thoughts?

Posted: Tue Sep 28, 2010 7:09 am 

Replies: 19
Views: 3362


Brief story: My wife and I racked up $30,000+ in credit card debt while she was in school. We recently killed the last balance with a fury. The only debt we have is one car loan at 6%. I am 24. She is 27. We have about $5,000 (and building weekly) saved for a house and healthy emergency funds. The c...
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