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Viewing profile - harbajahn

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harbajahn
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Joined: Mon Jul 16, 2012 11:49 pm
Last visited: Wed Sep 26, 2012 10:43 pm
Total posts: 20
[0.02% of all posts / 0.01 posts per day]
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Most active forum: Fiscal Fitness Journals
[ 20 Posts / 100.00% of user’s posts ]
Most active topic: Get out of debt slowly...
[ 16 Posts / 80.00% of user’s posts ]

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 Forum: Fiscal Fitness Journals   Topic: Get out of debt slowly...

Posted: Sun Sep 09, 2012 8:54 pm 

Replies: 28
Views: 7539


I've hit a speed bump. I was preparing for a tough September, my licence is due for renewal, the car registration is due and I have one more medical bill to pay. I thought I was prepared, it was going to be tight but we wouldn't take a hit. Then Friday arrives and in our letter box we find the water...

 Forum: Fiscal Fitness Journals   Topic: The year of increasing the emergency fund

Posted: Tue Sep 04, 2012 4:23 pm 

Replies: 471
Views: 97913


Filling out medical forms for my children starting school, noticing for things like serious illness, hospitalizations, medical or psychological disorders, checking no for those items, makes me realize how lucky we all are. I just need to remember this more. Indeed, we lose sight of the big picture ...

 Forum: Fiscal Fitness Journals   Topic: Get out of debt slowly...

Posted: Sun Sep 02, 2012 7:55 pm 

Replies: 28
Views: 7539


I don't think the credit card companies are providing that info out of the kindness of their hearts. I believe it's law that they provide that. But it's good that they provide that info. It is law but the law is new in Australia and this is the first time I've received a statment with this on it, I...

 Forum: Fiscal Fitness Journals   Topic: Get out of debt slowly...

Posted: Thu Aug 30, 2012 10:56 pm 

Replies: 28
Views: 7539


When I got last month's Credit Card statment (for the card with the most $$ on it) there was a new section on it that showed how long it would take to pay the remainder off if I continued to pay the minimum amount (something like 35 years!!) and how much interest I would pay. It also showed how I co...

 Forum: Fiscal Fitness Journals   Topic: Get out of debt slowly...

Posted: Mon Aug 27, 2012 11:26 pm 

Replies: 28
Views: 7539


While not much progress can be seen, I'm really happy with where we are at. I feel I have a more in depth view of our finances and feel more in control than ever before. I know where all our money is going. We have some major events that will hit the budget hard over the next year, the first being m...

 Forum: Fiscal Fitness Journals   Topic: Get out of debt slowly...

Posted: Wed Aug 15, 2012 9:41 pm 

Replies: 28
Views: 7539


If you are in any doubt about what your credit report looks like, make sure you get a copy before you apply for anything (if you're not sure how to request a free copy, PM me or go to moneysmart.gov.au for details). What timing! Just yesterday I sent off for my credit report! The primary difficulty...

 Forum: Fiscal Fitness Journals   Topic: Get out of debt slowly...

 Post subject: Update
Posted: Wed Aug 08, 2012 11:48 pm 

Replies: 28
Views: 7539


DEBTS Private Health Repayment Paid Neurosurgeon Bill (back surgery) $1,107.95 Fines Payment Unit $294.75 Credit Card 1 $3,499.15 - up not down :( Credit Card 2 $2,722.85 - down a tiny bit Credit Card 3 $5,436.26 Car Loan $13,886.26 Scooter $600.00 Family Loan $1,250.00 - not paying this ATM SAVING...

 Forum: Fiscal Fitness Journals   Topic: Get out of debt slowly...

Posted: Wed Aug 08, 2012 10:48 pm 

Replies: 28
Views: 7539


It pains me to admit this but much of my tax return was frittered away. Not on silly things but little things that we'd been putting off. My daughter needed some new sneakers for school $60. We had two medical gap payments that added up to $165. I did however, put $150 towards our emergency fund. I'...

 Forum: Fiscal Fitness Journals   Topic: Get out of debt slowly...

Posted: Wed Jul 25, 2012 11:55 pm 

Replies: 28
Views: 7539


Good news, rang my private health provider to make arrangements to pay the outstanding amount and they gave me a month free which took our debt from just under $350 to $156!! Very happy and paid on the spot. That's one little debt down, woot!!

 Forum: Fiscal Fitness Journals   Topic: Sam's 2014 Savings Goals

Posted: Wed Jul 25, 2012 12:16 am 

Replies: 75
Views: 49295


Sam, all I can say is "wow!", you are slamming those goals. Great work.

Karen

 Forum: Fiscal Fitness Journals   Topic: Get out of debt slowly...

Posted: Wed Jul 25, 2012 12:11 am 

Replies: 28
Views: 7539


Good news, I got my tax return, so I'm calculating which debts will be smacked in the face with a payment. I have to pay the outstanding amount to our Health Provider to get us up to date, so that's $350 from the total. I have to allocate some funds to new tyres for the car. The total for that most ...

 Forum: Fiscal Fitness Journals   Topic: Get out of debt slowly...

Posted: Thu Jul 19, 2012 8:57 pm 

Replies: 28
Views: 7539


Geoff, thanks, I was thinking of finding some way to show the comparison! Cheers.

 Forum: Fiscal Fitness Journals   Topic: Get out of debt slowly...

Posted: Wed Jul 18, 2012 3:38 pm 

Replies: 28
Views: 7539


Kombat, your points are all valid and I appreciate them. Is inflation out of control or something? That's a ridiculously high interest rate for a secured loan. Especially considering you listed off several unsecured loans that are at 0% interest! You even have at least one credit card with a lower i...

 Forum: Fiscal Fitness Journals   Topic: Demolish that debt

 Post subject: Re: Demolish that debt
Posted: Tue Jul 17, 2012 11:06 pm 

Replies: 72
Views: 32516


Geoff, great story. It's nice to follow another Aussie working on smashing their debt!!
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