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Viewing profile - Rattus Norvegicus

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Rattus Norvegicus
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Joined: Sun Jan 04, 2009 1:48 am
Last visited: Mon Dec 06, 2010 2:30 pm
Total posts: 50
[0.06% of all posts / 0.02 posts per day]
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Most active forum: Fiscal Fitness Journals
[ 27 Posts / 54.00% of user’s posts ]
Most active topic: Took the scissors to the CC and the journey begins
[ 23 Posts / 46.00% of user’s posts ]

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Location: Norway
Occupation: Computer programmer
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My other car is a motorbike

Rattus Norvegicus Posts

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 Forum: Fiscal Fitness Journals   Topic: Took the scissors to the CC and the journey begins

Posted: Fri Feb 26, 2010 10:20 am 

Replies: 31
Views: 12392


It gives me great pleasure to finally regain control of these (nearly) $700 a month myself, and not having them go straight to a loan. Don't you still owe $34,000 in credit card and student loan debt? ;) This is a classic opportunity to "snowball" your former car payment into your credit ...

 Forum: Fiscal Fitness Journals   Topic: Took the scissors to the CC and the journey begins

Posted: Thu Feb 25, 2010 9:57 am 

Replies: 31
Views: 12392


Vehicle loan is gone. It gives me great pleasure to finally regain control of these (nearly) $700 a month myself, and not having them go straight to a loan. First month where I can expect to really win on it (by snowballing the amount) will be May. March has a very large bill, as does April. I have ...

 Forum: General Discussion   Topic: Fitness Boot Camp

 Post subject: Re: Fitness Boot Camp
Posted: Mon Feb 15, 2010 9:36 am 

Replies: 21
Views: 6923


Getting fiscally healthy is just like getting physically healthy. You need discipline and tenacity. Today is my first day of my Boot Camp class. Time is relative they say, 45 minutes can be heaven or hell depending on what your doing. Anyone trying to get fit? Or even maintaining their health. The ...

 Forum: Fiscal Fitness Journals   Topic: Took the scissors to the CC and the journey begins

 Post subject: Re:
Posted: Tue Jan 26, 2010 2:28 pm 

Replies: 31
Views: 12392


End of January 2009: My current accurate numbers are $8,229 - Car loan $13,406 - CC $28,732 - SL $50,368.14 - Total End of January 2010: Current accurate (debt) numbers are $671 - Car loan (one payment left) $9,000 - CC $25,857 - SL $35,528 - Total Nearly a $15,000 diff on the principal, as predicte...

 Forum: Personal Finance   Topic: Overwhelmed ~ Reduced Payoff Loan?

Posted: Thu Nov 12, 2009 10:10 am 

Replies: 7
Views: 1754


I can't really offer any information regarding your situation, I just wanted to chime in, tongue-in-cheek, and add: Isn't Socialism great? As a citizen in a "socialist" country (well, "social democracy", really), I can assure you that these things do not happen here. There have ...

 Forum: Personal Finance   Topic: discounts on sunglasses?

Posted: Mon Sep 14, 2009 11:28 am 

Replies: 8
Views: 2063


I have always found there to be a direct correlation to the price I pay for sunglasses and the amount of time it takes for me to break them. The cheaper they are, the longer they last. I always buy a cheap pair thinking I'll replace them with something better when they break in a month or so, and t...

 Forum: Personal Finance   Topic: discounts on sunglasses?

Posted: Sun Sep 13, 2009 12:46 am 

Replies: 8
Views: 2063


ah, shoot :cry: I did the same to my Ray-Bans last summer. I actually threw them out, but they offer repair service. Call the number at http://www.ray-ban.com/usa/customer-care/warranty and try to find out what a repair would set you back. Might cost as much as a brand new pair, though :wink: PS con...

 Forum: Success Stories   Topic: Credit Card Debt Paid Off Today

Posted: Thu Sep 10, 2009 10:04 pm 

Replies: 2
Views: 3091


No debt can stand a chance against Finnish SISU!
Excellent work, congrats :wink:

 Forum: Fiscal Fitness Journals   Topic: Took the scissors to the CC and the journey begins

Posted: Sat Aug 29, 2009 3:57 pm 

Replies: 31
Views: 12392


Thanks, you guys :wink:
Heck yeah it's easier!
I have taken the red pill of personal finance :P

 Forum: Fiscal Fitness Journals   Topic: Took the scissors to the CC and the journey begins

Posted: Sat Aug 29, 2009 1:42 am 

Replies: 31
Views: 12392


Looking back, I notice that last year I reduced my debt by $10.000 over the whole year. 2008 was an expensive year, I was in limbo and the mastercard was maxed out every month. I was hit with overdraft fees and gigantic interest charges. I was treading water. The progress in 2008 was mostly just the...

 Forum: Fiscal Fitness Journals   Topic: Took the scissors to the CC and the journey begins

Posted: Thu Aug 27, 2009 10:55 am 

Replies: 31
Views: 12392


Right, I'm back and I have reached a couple small milestones. Ups: So far this year I've brought down my total balance by $10.000! Add the accrued interest I've covered on top of that, and what I've physically paid is a lot more. This month my total debt dipped below 300k NOK. I've also gotten a rai...

 Forum: Personal Finance   Topic: When it's not okay to go cheap!

Posted: Mon Aug 24, 2009 11:15 am 

Replies: 35
Views: 6862


Wow, I never even thought about it, but I use a straight razor to shave. Guess I've been saving money for a while there. Initially there was a small investment (razor, strop, brush) in gear that you should not go cheap on. I use some fine razors from Dovo, and also good quality brushes (very importa...

 Forum: Personal Finance   Topic: How Low Does Your Checking Account Get?

Posted: Thu Jun 18, 2009 10:41 am 

Replies: 53
Views: 19018


I just try to keep it as high as possible, but at the moment I'm down to a whoopin' $10 :oops:
Thank goodness I get paid tomorrow :wink:

 Forum: Fiscal Fitness Journals   Topic: Battle for Freedom for Credit Cards

Posted: Sun Jun 14, 2009 11:02 am 

Replies: 129
Views: 46326


Yeah, GO SNOWBALLER!!!
This thread is one of my greatest sources of inspiration, I am very grateful that you share your thoughts (and balances, LOL) with us :wink:
You're doing so great!
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