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Viewing profile - billa9b0ng

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billa9b0ng
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Joined: Fri Feb 10, 2012 12:15 pm
Last visited: Wed Jan 06, 2016 1:21 pm
Total posts: 43
[0.05% of all posts / 0.03 posts per day]
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Most active forum: Fiscal Fitness Journals
[ 37 Posts / 86.05% of user’s posts ]
Most active topic: Mr & Mrs billa9b0ng's Journey
[ 30 Posts / 69.77% of user’s posts ]

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billa9b0ng Posts

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 Forum: Fiscal Fitness Journals   Topic: Mr & Mrs billa9b0ng's Journey

Posted: Fri Jan 24, 2014 1:26 pm 

Replies: 54
Views: 14533


I'm glad no one responded to my question about withholding because we owe again this year :( Needless to say after owing a bunch the last two years I have adjusted my withholding down to zero allowances. I scheduled my final student loan payment for today. I'm sure the air is going to taste differen...

 Forum: Fiscal Fitness Journals   Topic: Mr & Mrs billa9b0ng's Journey

Posted: Wed Jan 08, 2014 7:56 am 

Replies: 54
Views: 14533


I need some input as we are expecting our first child this year. We subscribe to the theory that we would like to get the smallest return possible on our tax returns (the whole tax free loan to the govt thing.) Currently my wife has 2 allowances on her W4. Should she adjust her w4 to 3 now since our...

 Forum: Fiscal Fitness Journals   Topic: Mr & Mrs billa9b0ng's Journey

Posted: Tue Jan 07, 2014 10:08 am 

Replies: 54
Views: 14533


In December I earned $150 and I received another $150 as a Christmas gift from the same source. I applied this $300 to my remaining loan.

9. Bill’s Loan 6: $1,613.40 @ 0.36%

Total: $1,613.40 :)

 Forum: Fiscal Fitness Journals   Topic: DC85's march to zero balances

Posted: Mon Jan 06, 2014 6:33 pm 

Replies: 2
Views: 1040


Good luck Dave. Make sure you update your thread frequently, it is a great tool to help you reflect on your journey.

If you have $1500 leftover each month you should be able to crush your debt with no problem.

 Forum: Fiscal Fitness Journals   Topic: Mr & Mrs billa9b0ng's Journey

Posted: Tue Dec 31, 2013 11:10 am 

Replies: 54
Views: 14533


The bank was open and the payment is scheduled. My wife graduated from college in Spring 2009 and all loans are paid off to begin 2014!

 Forum: Fiscal Fitness Journals   Topic: Bear's 2016 goals

 Post subject: Re: Bear's 2013 goals
Posted: Tue Dec 31, 2013 11:06 am 

Replies: 136
Views: 47396


Great progress. Stinkin technicalities! 2014 is going to be a good year!

 Forum: Fiscal Fitness Journals   Topic: Mr & Mrs billa9b0ng's Journey

Posted: Tue Dec 31, 2013 6:57 am 

Replies: 54
Views: 14533


8. Sarah’s Loan 5: 611.69 @ 2.79% 9. Bill’s Loan 6: 1,912.82 @ 0.36% Total: $2,524.51 Loan 8 may get paid off today if my bank is open, we got some cash for Christmas and some other miscellaneous income. Some random thoughts to help ring in the new year. According to Mint: We have earned $11,245 in ...

 Forum: Fiscal Fitness Journals   Topic: Mr & Mrs billa9b0ng's Journey

Posted: Thu Dec 19, 2013 11:36 am 

Replies: 54
Views: 14533


As it turned out I had $435 extra income which has now been applied to current loan. 8. Sarah’s Loan 5: 1,611.45 @ 2.79% 9. Bill’s Loan 6: 1,912.82 @ 0.36% Total: $3,524.27 It cracks me up when we get a bill from Chase (loan 8) that says our next payment due is in 2019...I pity the fool that falls f...

 Forum: Fiscal Fitness Journals   Topic: Mr & Mrs billa9b0ng's Journey

Posted: Wed Dec 18, 2013 10:33 am 

Replies: 54
Views: 14533


This past Friday we let the cat out of the bag to our parents, Mr & Mrs billa9b0ng are going to be having a baby! We told them we were getting together to celebrate paying off our loans but obviously we haven't reached that point yet. The costs of a child are already getting to me to the tune of...

 Forum: Fiscal Fitness Journals   Topic: ArtGal's student loan payoff journey

Posted: Wed Dec 11, 2013 7:20 pm 

Replies: 122
Views: 16069


Don't feel guilty about budgeting for and taking vacations. You are well in control of your situation and the fact that you budget for it says it all. Maybe kids won't come along immediately and we'll have time for several more solo trips - but it's also possible that they'll come along as soon as w...

 Forum: Fiscal Fitness Journals   Topic: Mr & Mrs billa9b0ng's Journey

Posted: Thu Dec 05, 2013 7:22 pm 

Replies: 54
Views: 14533


8. Sarah’s Loan 5: 2,572.99 @ 2.79%
9. Bill’s Loan 6: 1,947.67 @ 0.36%

Total: 4,520.66

I haven't had more in cash than I had in student loan since 2004 :)

 Forum: Fiscal Fitness Journals   Topic: Mr & Mrs billa9b0ng's Journey

Posted: Tue Dec 03, 2013 7:37 pm 

Replies: 54
Views: 14533


8. Sarah’s Loan 5: 3093.25 @ 2.79% 9. Bill’s Loan 6: 1,947.67 @ 0.36% 10. Sarah’s Loan 6: 0 @ 2.36% Total student loan debt: $5,040.92 I accumulated over $500 from the month of October for some work I had done and after that gets applied to loan #8 tomorrow we will be sitting at about $4,515! I hope...

 Forum: Personal Finance   Topic: Can I rely on Social Security being there by retirement?

Posted: Fri Nov 22, 2013 1:32 pm 

Replies: 11
Views: 2124


I would rather be pleasantly surprised by whatever I get than disappointed because I have to work later than I want to. But if you work until you've saved enough to generate the $5,000/month you've calculated you'll need to retire, then discover that Social Security will pay you $1,500/month, then ...

 Forum: Personal Finance   Topic: Can I rely on Social Security being there by retirement?

Posted: Wed Nov 20, 2013 7:49 pm 

Replies: 11
Views: 2124


My opinion is that it will be there when it comes time to retire but I don't include it in my calculations. I would rather be pleasantly surprised by whatever I get than disappointed because I have to work later than I want to.
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