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Viewing profile - tjevans

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tjevans
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Joined: Fri Aug 22, 2008 8:20 am
Last visited: Tue Aug 26, 2008 5:06 am
Total posts: 12
[0.01% of all posts / 0.00 posts per day]
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Most active forum: Fiscal Fitness Journals
[ 9 Posts / 75.00% of user’s posts ]
Most active topic: Too much month at the end of the money.
[ 9 Posts / 75.00% of user’s posts ]

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tjevans Posts

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 Forum: Fiscal Fitness Journals   Topic: Too much month at the end of the money.

Posted: Mon Aug 25, 2008 10:58 am 

Replies: 26
Views: 12437


So they are raising your rates on USAA (9%) and lower your interest 5% on Chase, then adding 5% in fees? I'm not even going to count your other cards because the balances are so low you can roll them into your existing cards if you wanted (Chase and a little bit in USAA). Call Chase to lower their ...

 Forum: Fiscal Fitness Journals   Topic: Too much month at the end of the money.

Posted: Mon Aug 25, 2008 9:11 am 

Replies: 26
Views: 12437


And how much did you pay for the credit counseling? Did you try shopping for balance transfers? Did YOU try calling them and negotiating for a lower rate? Can't you just transfer your Paypal and Lane Bryant balances to your USAA card (8.9%)? These are better options to try before going to outside h...

 Forum: Fiscal Fitness Journals   Topic: Too much month at the end of the money.

Posted: Mon Aug 25, 2008 8:08 am 

Replies: 26
Views: 12437


This is really confusing. Isn't your wife's paycheck part of your incoming/outgoing money? It would really be helpful if you listed all your expenses (bills), and how much you owe, and the interest rates associated with any credit cards, HELOC, etc..not just how much you pay each month. Sorry. Here...

 Forum: Fiscal Fitness Journals   Topic: Too much month at the end of the money.

Posted: Mon Aug 25, 2008 6:49 am 

Replies: 26
Views: 12437


ok I checked it twice and what you list leaves $183 per month out of your income for food, gas etc etc. I left off child care. That's $500 a month. First what are the 'bank fee' and 'overdraft payment' you have listed? can they be waived or eliminated in some way? I know those two aren't much but y...

 Forum: Fiscal Fitness Journals   Topic: Too much month at the end of the money.

Posted: Sun Aug 24, 2008 2:17 pm 

Replies: 26
Views: 12437


[quote="Greenewashed"]What are your other assets? Retirement funds, college savings, emergency fund?[/quote

A big fat zero on other assets.

As far as equity, not sure, but I'm pretty sure I'm upside down in at least one of the cars.

 Forum: Fiscal Fitness Journals   Topic: Too much month at the end of the money.

Posted: Sun Aug 24, 2008 2:13 pm 

Replies: 26
Views: 12437


You don't have a cell phone? That comes out of my wife's paycheck. We're on her corporate plan. I hope your company reimbursed you for the charges that you put on your CC. If they didn't, you need to submit those expense reports and get the money returned to you. Some people feel shy about expensin...

 Forum: Fiscal Fitness Journals   Topic: Too much month at the end of the money.

Posted: Sun Aug 24, 2008 1:33 pm 

Replies: 26
Views: 12437


A breakdown of bills is as follows: Mortgage: $1427 Comcast (cable & internet) $52 Directv $75 Power $280 Water $20 Car Insurance $125 Child Support $408 Bank Fee $9 Overdraft loan payment $16 Car 1 $277 Car 2 $241 Home Equity Loan $300 Pay Pal credit $36 USAA credit $126 Chase credit $225 Lane ...

 Forum: Fiscal Fitness Journals   Topic: Too much month at the end of the money.

Posted: Sun Aug 24, 2008 9:03 am 

Replies: 26
Views: 12437


Well, this weekend we sat down and got a good (in the analytical sense) look at our bad situation. We bring in $3810 a month, and have $4131 outgoing. That's just "bills." We haven't even considered living expenses such as fuel, food, etc. We know the only way to improve the situation is t...

 Forum: Personal Finance   Topic: Selling computer to apply toward debt

Posted: Fri Aug 22, 2008 1:37 pm 

Replies: 22
Views: 7234


I disagree, selling the computer knocks the 20k to 21.2k, selling more stuff keeps lowering the debt. The important thing is that you are learning to give up THINGS for a better cause. Remember, the latte factor goes both ways. Everything you do in the right direction plugs a hole. At some point yo...

 Forum: Personal Finance   Topic: Selling computer to apply toward debt

Posted: Fri Aug 22, 2008 10:05 am 

Replies: 22
Views: 7234


$800 doesn't do anyting to the underlying debt problem. By itself, getting rid of the computer won't solve anything. if you got rid of everything you could possible get rid of, that still won't get rid of your debt problem. before you start selling off stuff, you need to sit down and do a budget. O...

 Forum: Personal Finance   Topic: Selling computer to apply toward debt

Posted: Fri Aug 22, 2008 8:29 am 

Replies: 22
Views: 7234


I am wondering whether I should sell my laptop and use the proceeds to apply to debt. Just to give you an idea where we are: the wife and I have around $20,000 in credit card debt (and I won't even go into home equity loan or student loan here). I have a guaranteed offer for $800 on my computer. Her...
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