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Viewing profile - Adam

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Adam
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Joined: Tue Feb 10, 2009 10:17 am
Last visited: Thu Jun 23, 2011 10:39 am
Total posts: 123
[0.14% of all posts / 0.05 posts per day]
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Most active forum: Fiscal Fitness Journals
[ 60 Posts / 48.78% of user’s posts ]
Most active topic: $98,971.34 in the hole.
[ 59 Posts / 47.97% of user’s posts ]

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Location: SC
Occupation: Computer Scientist
Interests: Cars
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Adam Posts

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 Forum: Fiscal Fitness Journals   Topic: $98,971.34 in the hole.

 Post subject: Re: $98,971.34 in the hole.
Posted: Wed Jun 08, 2011 5:53 am 

Replies: 103
Views: 39474


Car is paid off. I traded my car down and am getting a $12k check for the equity to pay off the consolidation. We financed an 05 Sequoia separately at 4.29% rather than roll the equity into the trade because the consolidation is at 11.75%. Its going to feel good to get rid of that. That being said.....

 Forum: Fiscal Fitness Journals   Topic: $98,971.34 in the hole.

 Post subject: Re: $98,971.34 in the hole.
Posted: Thu Sep 30, 2010 11:49 am 

Replies: 103
Views: 39474


We are no longer upside down on the vehicles. If need be we could sell both and wipe out the car, truck, and consolidation loans. I've got somewhere around $60k in retirement, but I'm not counting that because I can't/won't touch it. My house is underwater about 20k, but her house is probably about ...

 Forum: Fiscal Fitness Journals   Topic: $98,971.34 in the hole.

 Post subject: Re: $100,535 in the hole.
Posted: Tue Sep 28, 2010 7:18 am 

Replies: 103
Views: 39474


BOA: $5,561.94 Consolidation: $15,357.78 My Student Loan: $12,695.15 Her Student Loan: $40,866.96* Truck: $9,726.86* Car: $9,163.66 * Boat: $7,123.41 ------------------------------------- $100,495.76 * = Awaiting update on balance. Car/Truck/Boat balances updated. Still waiting on her student loan ...

 Forum: Fiscal Fitness Journals   Topic: $98,971.34 in the hole.

 Post subject: Re: $100,535 in the hole.
Posted: Fri Sep 24, 2010 11:04 am 

Replies: 103
Views: 39474


As much as I dislike posting to you for writing on deaf ears, I can't resist. "I just didn't want to start off our marriage with "OK, now we're on lockdown and you can't spend any money." " I think you should start off the marriage with 'OK, now I'M on lockdown and I can't spend...

 Forum: Fiscal Fitness Journals   Topic: $98,971.34 in the hole.

 Post subject: Re: $100,535 in the hole.
Posted: Thu Sep 23, 2010 5:44 am 

Replies: 103
Views: 39474


A little bit, yeah.

I just didn't want to start off our marriage with "OK, now we're on lockdown and you can't spend any money." We talked it over last night and after the holidays we're going to be banking her paycheck (for debt repayment), and living off my paycheck alone.

 Forum: Fiscal Fitness Journals   Topic: $98,971.34 in the hole.

 Post subject: Re: $100,535 in the hole.
Posted: Wed Sep 22, 2010 9:13 am 

Replies: 103
Views: 39474


Congrats on the new marriage! Now that it's official, you might as well include her numbers. How about an update of all assets and liabilities to see where you stand? I'm sure you've already heard this before, but they say the two happiest days in a boat-owner's life are the day he buys his boat, a...

 Forum: Fiscal Fitness Journals   Topic: $98,971.34 in the hole.

 Post subject: Re: $100,535 in the hole.
Posted: Wed Sep 22, 2010 8:50 am 

Replies: 103
Views: 39474


Well its been a while. I got married. I added her debt and a boat. So now I'm sitting at just about $100,000 (90% of what she added is student loans). I also managed to add another mortgage since she had her own house, but I'm still not going to count those just yet. So now, with a new household inc...

 Forum: Fiscal Fitness Journals   Topic: $98,971.34 in the hole.

 Post subject: Re: Two steps back :(
Posted: Wed May 05, 2010 12:45 pm 

Replies: 103
Views: 39474


BOA CC = $5,985.42 Zales = $1,984.91 Consolidation = $17,837.04 Truck = $10,487.86 Student Loan = $13,234.84 ---------------------------------- $49,530.07 Total debt paid: $3,522.31 BOA CC = $5,913.32 Zales = $1,906.67 Consolidation = $16,639.04 Truck = $10,322.79 Student Loan = $13,136.49 --------...

 Forum: Fiscal Fitness Journals   Topic: $98,971.34 in the hole.

 Post subject: Re: $49,530.07 in the hole.
Posted: Mon Mar 29, 2010 8:32 am 

Replies: 103
Views: 39474


Well its been one year, so its time for some introspection. BOA CC = $5,985.42 Zales = $1,984.91 Consolidation = $17,837.04 Truck = $10,487.86 Student Loan = $13,234.84 ---------------------------------- $49,530.07 Total debt paid: $3,522.31 *sigh* Not exactly where I was hoping to be at this point,...

 Forum: Tips, Tricks, Links, Pointers   Topic: Tips for selling my house

Posted: Fri Mar 05, 2010 11:03 am 

Replies: 17
Views: 9814


I talked to the realtor I used to buy the house 3 years ago and she thinks it would be a stretch to even get $170k. The commissions would typically be what, $10k? So effectively I get $160k for a $178k mortgage. Assuming I don't pay any other closing costs.

That blows.

 Forum: Personal Finance   Topic: ING Rate Reductions / Future

Posted: Fri Mar 05, 2010 10:58 am 

Replies: 20
Views: 2840


I guess I hadn't been paying attention, but now that you mention it, its time for a change... I have $1000 in an EF and $200 in a car toy/repair fund right now. I'm canceling the $150/paycheck allotment and switching it back to my credit union's savings account. I'll leave the $15/paycheck for the c...

 Forum: Personal Finance   Topic: Ring insurance

 Post subject: Re: Ring insurance
Posted: Wed Mar 03, 2010 11:29 am 

Replies: 44
Views: 5136


I'm an auto enthusiast, I buy cars that most people would consider excessive. Do I really need a 6.0 V8 with 395hp and 400 ft lbs of torque in a daily driver? No, of course not. Did I get it anyways because I wanted to? Yes. Its something I appreciate, like the ring. What's the use of money if we ca...

 Forum: Personal Finance   Topic: Ring insurance

 Post subject: Re: Ring insurance
Posted: Mon Mar 01, 2010 12:11 pm 

Replies: 44
Views: 5136


There are other sites that are all about being frugal and there buying anything in excess is looked down upon. In excess is, by definition, too much. It should be looked down upon. Regardless, I do not think $10,000 rings are what I would call a "balance" between frugality and doing whate...

 Forum: Personal Finance   Topic: Ring insurance

 Post subject: Re: Ring insurance
Posted: Wed Feb 24, 2010 9:04 am 

Replies: 44
Views: 5136


I spent as much as I did on the rings because I wanted to. Plain and simple. I already paid off the original $7,000 for the engagement ring, and I could pay the $2000 for the wedding bands right now if I felt like it, but at 0% why bother? In other words, I can afford it too. This slowed down my pla...
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