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Viewing profile - unplugged71

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unplugged71
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Joined: Tue Dec 18, 2012 6:00 am
Last visited: Tue Aug 27, 2013 10:13 am
Total posts: 21
[0.02% of all posts / 0.02 posts per day]
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Most active forum: Fiscal Fitness Journals
[ 9 Posts / 42.86% of user’s posts ]
Most active topic: Help reaching my goal
[ 8 Posts / 38.10% of user’s posts ]

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unplugged71 Posts

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 Forum: Personal Development   Topic: Waking Up Earlier - Strategies?

Posted: Tue Mar 05, 2013 10:01 am 

Replies: 41
Views: 23692


I just set my alarm to go off 15 minutes before my actual wake up time, and go off every 5 minutes until I need to wake up. I used to wake up at 5:45am for work. I start at 7am. I work 10 hours daily and found that going to the gym after work was 1, exhausting, and 2, very crowded. So now I wake up ...

 Forum: Personal Development   Topic: Downside to longer mortgage term if I pay off faster?

Posted: Tue Mar 05, 2013 8:57 am 

Replies: 8
Views: 4587


I would always take the next longest term from the one I could comfortably live off of. So lets say I can manage without much stress on a 15 year, I would take a 20 year. This way if shit hits the fan, I have a little more flexibility. I would simply add-on a lot to my payments the first few years t...

 Forum: Personal Development   Topic: Just an idea: an app about personal development

Posted: Tue Mar 05, 2013 8:36 am 

Replies: 5
Views: 3558


readyforzero.com has an iOS app

 Forum: Personal Development   Topic: Should I attempt to negotiate for a higher salary?

Posted: Tue Mar 05, 2013 8:35 am 

Replies: 12
Views: 4295


I'm in a similar situation. I haven't received an offer yet, but was told that one should be offered early next week. The cost of living where I am moving to is significantly less, however, I have a lot of expenses and debt that I'm bringing with me. Looking online, I estimate about 50-60k salary wo...

 Forum: Fiscal Fitness Journals   Topic: Help reaching my goal

 Post subject: Re: Help reaching my goal
Posted: Mon Jan 28, 2013 5:52 am 

Replies: 16
Views: 4096


Here's my current status as of today's review: Credit Cards: $15,940.00 (18% interest) Loan: $5,153.07 (13.89% interest) Auto Loan: $9,423 (3.9%, may be behind 1 payment) I know I didn't include my auto payment in previous posts, mostly because I don't really consider it a debt. Most cars have to be...

 Forum: Fiscal Fitness Journals   Topic: Help reaching my goal

 Post subject: Re: Help reaching my goal
Posted: Thu Jan 24, 2013 6:54 am 

Replies: 16
Views: 4096


So I'm down to 6 credit cards. I was able to pay 2 more off today. I'm left with a balance of 22,320 according to ReadyForZero. This amount also includes my HSBC loan (5k remaining) to factor in. My car note is now somewhere in the high 8's or low 9's. My credit score also went from 630 to 661 over ...

 Forum: Fiscal Fitness Journals   Topic: Help reaching my goal

 Post subject: Re: Help reaching my goal
Posted: Tue Jan 08, 2013 6:09 am 

Replies: 16
Views: 4096


please tell me you have some sort of emergency fund in place. If you completely drained your savings then you are leaving yourself wide open for adding more to your debt should something arise. I don't have a fund right now. I'm taking a chance until I can pay off more cards. Right now I'm paying $...

 Forum: Fiscal Fitness Journals   Topic: Help reaching my goal

 Post subject: Re: Help reaching my goal
Posted: Mon Jan 07, 2013 12:52 pm 

Replies: 16
Views: 4096


I have a friend in a similar situation as you ... so even more than usual I was mentally cheering you on as I was reading your posts. At first I balked at the liquidation of your 401k ... but with >20% interest rates on those credit cards, it might have actually been the best move. I definitely agr...

 Forum: Fiscal Fitness Journals   Topic: Help reaching my goal

 Post subject: Re: Help reaching my goal
Posted: Mon Jan 07, 2013 12:49 pm 

Replies: 16
Views: 4096


please tell me you have some sort of emergency fund in place. If you completely drained your savings then you are leaving yourself wide open for adding more to your debt should something arise. I don't have a fund right now. I'm taking a chance until I can pay off more cards. Right now I'm paying $...

 Forum: Fiscal Fitness Journals   Topic: Help reaching my goal

 Post subject: Re: Help reaching my goal
Posted: Fri Dec 28, 2012 11:55 am 

Replies: 16
Views: 4096


Sadly I did drain my savings account to pay off whatever debt I could with it. I need to start building it back up now but its tough when all you want to do is pay off your debt. Status as of 12/28: I was able to pay off 3,268.43 of my debt so far in the month of December. My Christmas bonus really ...

 Forum: Fiscal Fitness Journals   Topic: Help reaching my goal

 Post subject: Re: Help reaching my goal
Posted: Mon Dec 24, 2012 10:01 pm 

Replies: 16
Views: 4096


Welcome, unplugged! I definitely like to break things into smaller goals so I feel like I'm making more progress. If you have multiple credit cards, focusing on one at a time might make it seem less overwhelming. We have a chart on our fridge that we color in for whatever goal we're on. (When payin...

 Forum: Personal Finance   Topic: Tip that may help those getting out of debt

Posted: Tue Dec 18, 2012 9:39 am 

Replies: 1
Views: 1375


I started this a few months ago and it works pretty good. Get an Excel spread sheet. Create a list of all your accounts in one column, the interest rate in another column, the balance in a third column, minimum payment in a fourth column, and then calculate how much interest you'd pay if you just di...

 Forum: Tips, Tricks, Links, Pointers   Topic: Money Saving Tips

 Post subject: Re: Money Saving Tips
Posted: Tue Dec 18, 2012 8:30 am 

Replies: 34
Views: 42434


I was able to save a lot of money weekly just by getting food from the truck at work instead of buying from store. I spend $3 for breakfast (full plate of rice, and either a chicken burrito or some egg/bacon) and $4 for lunch (full plate of lomein, egg roll, and sweet and sour chicken). I was spendi...

 Forum: Tips, Tricks, Links, Pointers   Topic: Save money by remembering time does not equal money

Posted: Tue Dec 18, 2012 8:02 am 

Replies: 30
Views: 24062


When I used to have a job that I commuted to that had the option of toll vs no-toll, I took the no-toll route. Why? I saved $14.xx per day for an hour extra commute, but I spent it learning a language (Spanish). That extra language landed me a better paying job elsewhere. Some people like the time t...
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