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Viewing profile - tdcgd0507

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tdcgd0507
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Joined: Mon Oct 29, 2012 3:11 pm
Last visited: Fri Nov 30, 2012 12:29 pm
Total posts: 49
[0.06% of all posts / 0.04 posts per day]
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Most active forum: Personal Finance
[ 49 Posts / 100.00% of user’s posts ]
Most active topic: Bankrupt or try to 'gut' it out?
[ 49 Posts / 100.00% of user’s posts ]

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tdcgd0507 Posts

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 Forum: Personal Finance   Topic: Bankrupt or try to 'gut' it out?

Posted: Wed Nov 14, 2012 7:56 pm 

Replies: 108
Views: 111414


You've decided that you can put $510 per month to debt. Another option is to do a debt snowball where you pay the minimum on all but one card, and put the rest of the $510 to the remaining one. That way you get rid of some balances sooner, rather than having them all done at the 6 year point. I did...

 Forum: Personal Finance   Topic: Bankrupt or try to 'gut' it out?

Posted: Wed Nov 14, 2012 6:25 pm 

Replies: 108
Views: 111414


This is a fantastic start. I hope you will continue to give us updates on your progress. Maybe you should start a journal in the the Fiscal Fitness Journal's board and update it at least monthly. I think you will find that a source of ongoing motivation! You will also find that when the inevitable ...

 Forum: Personal Finance   Topic: Bankrupt or try to 'gut' it out?

Posted: Tue Nov 13, 2012 5:14 am 

Replies: 108
Views: 111414


That sounds good, but let's see it here in writing. We'll let you know if it's feasible or not. By the way, you seem much calmer in this post. This is a good thing. Putting things in writing, helped to make me calmer. I don't know if you'll be able to make much sense out of it (nothing about the in...

 Forum: Personal Finance   Topic: Bankrupt or try to 'gut' it out?

Posted: Mon Nov 12, 2012 5:52 pm 

Replies: 108
Views: 111414


Do you have an update for us? Thanks for checking. We agreed on a six year plan to pay off all of our unsecured debt. I don't know if it will work or not (the variable of her being self-employed makes me nervous, it seems like most self-employed folks have 'feasts' then 'famines' seasons...) So, we...

 Forum: Personal Finance   Topic: Bankrupt or try to 'gut' it out?

Posted: Sat Nov 03, 2012 6:07 pm 

Replies: 108
Views: 111414


CatchingUp asked: For example, even if you didn't literally call her stupid, could any of your words or actions have conveyed that message? DDW - I have NEVER called her a name. . . . I readily admit my faults. She does not. DDW, you seriously need to re-read your own post from November 2 at 9:12 p...

 Forum: Personal Finance   Topic: Bankrupt or try to 'gut' it out?

Posted: Sat Nov 03, 2012 9:22 am 

Replies: 108
Views: 111414


As someone who has semi-recently been through bankruptcy, I would vote for 'gut it out' in your situation. ***OK. Thank you for the encouragement. Is going through a bankruptcy a total nightmare? Yes, bankruptcy can be a total nightmare. Although I am sure someone has had an 'easy' bankruptcy...we ...

 Forum: Personal Finance   Topic: Bankrupt or try to 'gut' it out?

Posted: Fri Nov 02, 2012 8:33 pm 

Replies: 108
Views: 111414


alohabear wrote:
Then I have no desire to continue with this thread. Good luck to both of you, 'cause you're gonna need it.


Yep. Agreed.

Best wishes to you.

 Forum: Personal Finance   Topic: Bankrupt or try to 'gut' it out?

Posted: Fri Nov 02, 2012 8:18 pm 

Replies: 108
Views: 111414


Seriously, why? Why do you post this stuff? What are you hoping to accomplish? For her to quit blaming me for 99% of our financial problems and for many other reasons that I am not going to mention. "What am I hoping to accomplish?" The impossible. For her to say (as many of you has menti...

 Forum: Personal Finance   Topic: Bankrupt or try to 'gut' it out?

Posted: Fri Nov 02, 2012 7:12 pm 

Replies: 108
Views: 111414


CatchingUp asked: For example, even if you didn't literally call her stupid, could any of your words or actions have conveyed that message? DDW - I have NEVER called her a name. I think she is over-sensitive for reasons that I will not go into on this forum because then she'll just hate on me even w...

 Forum: Personal Finance   Topic: Bankrupt or try to 'gut' it out?

Posted: Fri Nov 02, 2012 6:53 pm 

Replies: 108
Views: 111414


The windows are a credit payment for the windows that were replaced in our home. It's a set payment until paid off and no adjusting it our home is the lean on it. The windows are for about 5 more years. Fixed price. fixed interest rate. The rate of ZERO. But, we paid way too much for the windows to...

 Forum: Personal Finance   Topic: Bankrupt or try to 'gut' it out?

Posted: Fri Nov 02, 2012 4:22 pm 

Replies: 108
Views: 111414


I probably won't get on here much because I think this is WRONG but he thinks it's some magic pill getting strangers views on how to fix things.[/quote] DDW, the husband here. Wow. She is a busy lady. Maybe too busy? A person has to rest . . . Anyway . . . I know 'no magic pill' exists. However, I d...

 Forum: Personal Finance   Topic: Bankrupt or try to 'gut' it out?

Posted: Fri Nov 02, 2012 3:54 pm 

Replies: 108
Views: 111414


Does everyone agree that I need to quit pondering my 401 and my pension plan as it relates to my current debt/spending problem?

Thank you very much.

 Forum: Personal Finance   Topic: Bankrupt or try to 'gut' it out?

Posted: Fri Nov 02, 2012 3:44 pm 

Replies: 108
Views: 111414


[quote="babysteps"]As someone who has semi-recently been through bankruptcy, I would vote for 'gut it out' in your situation. ***OK. Thank you for the encouragement. Is going through a bankruptcy a total nightmare? Imo, if you are "just" spending 10% more each month than net inco...

 Forum: Personal Finance   Topic: Bankrupt or try to 'gut' it out?

Posted: Fri Nov 02, 2012 3:35 pm 

Replies: 108
Views: 111414


Hmm, on 2nd thought looking at numbers, probably not going to save a ton of money. Right now should be paying 537 for first mortage, and 225 for second mortgage (outside of taxes, etc), total of 762. If refinance for 20 years and 3.5 %, would then be paying 720, a $42 difference. but doesn't hurt to...
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