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Ready to Change

Monday, March 29, 2010. Credit Card Debt Gone! And it "only" took 33 months to pay it off :(. $13,700 of debt divided by 33 months- that's an average of $415/month. I'm really glad to be done with this debt. I had no idea when I was charging on the credit cards that it would be this difficult to pay them off. Never again! It really hasn't sunk in yet that I finally paid this debt. I think I'll stare at the sidebar for a while! Links to this post. Wednesday, February 17, 2010. One Month Later . 2 Lose 15 ...

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Ready to Change | reallyreadyforchange.blogspot.com Reviews
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Monday, March 29, 2010. Credit Card Debt Gone! And it only took 33 months to pay it off :(. $13,700 of debt divided by 33 months- that's an average of $415/month. I'm really glad to be done with this debt. I had no idea when I was charging on the credit cards that it would be this difficult to pay them off. Never again! It really hasn't sunk in yet that I finally paid this debt. I think I'll stare at the sidebar for a while! Links to this post. Wednesday, February 17, 2010. One Month Later . 2 Lose 15 ...
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7 goals
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Ready to Change | reallyreadyforchange.blogspot.com Reviews

https://reallyreadyforchange.blogspot.com

Monday, March 29, 2010. Credit Card Debt Gone! And it "only" took 33 months to pay it off :(. $13,700 of debt divided by 33 months- that's an average of $415/month. I'm really glad to be done with this debt. I had no idea when I was charging on the credit cards that it would be this difficult to pay them off. Never again! It really hasn't sunk in yet that I finally paid this debt. I think I'll stare at the sidebar for a while! Links to this post. Wednesday, February 17, 2010. One Month Later . 2 Lose 15 ...

INTERNAL PAGES

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1

Ready to Change: Goals for 2010, Part 2

http://reallyreadyforchange.blogspot.com/2010/01/goals-for-2010-part-2.html

Sunday, January 3, 2010. Goals for 2010, Part 2. Yesterday's review of my 2009 goals was a little discouraging for me, but I'm looking ahead with optimism. I can learn from my past missteps and keep moving in the right direction, enjoying the journey along the way. This journey is my life, so I'd better be enjoying it! 2 I should plan to reward myself for met goals. 3 I should evaluate my progress more frequently. (Monthly mini-goals? 4 Blogging helps keep me accountable. January 4, 2010 at 7:19 AM.

2

Ready to Change: August 2009

http://reallyreadyforchange.blogspot.com/2009_08_01_archive.html

Monday, August 31, 2009. Results of the Spend Less Challenge. I closed out my "Spend-less" month on August 30, because I began on July 30. The results are mixed: I did spend less on house projects and gifts, but I went way over in the other categories. I budgeted $480 total for everything: food, gas, gifts, eating out, school expenses, and house projects. I spent $740- $260 over budget! I'm looking forward to the September Earn More Challenge! I think I'll learn a lot. Links to this post. Next week DS wi...

3

Ready to Change: March 2009

http://reallyreadyforchange.blogspot.com/2009_03_01_archive.html

Friday, March 27, 2009. I have been very lax in updating my goals since the computer problems in February. I guess I got off my schedule. Even though I haven't written about my goals, I have been making progress on the goals as a group, but I need to focus on the details. Here goes:. Track spending with YNAB. I'm still enjoying using YNAB. To track spending. I got a little off track when my computer was cleaned, but I was able to use my bank statements to reconstruct Jan. and Feb. Compost bin/garden....

4

Ready to Change: February 2010

http://reallyreadyforchange.blogspot.com/2010_02_01_archive.html

Wednesday, February 17, 2010. One Month Later . Because of computer problems, it's been almost a month since my last post. I've been able to read other blogs for 5-10 minutes at a time, but if I would try to comment or post, my computer would freeze. No fun. Quick update on my goals:. 1 Pay off credit card ($1125) by March 31. (I think this will be possible with income tax refund and $ from 2 nd. 2 Pay off car by Oct. 31. On track. 4 Get a part-time summer job. Got it! Links to this post. 4 Find a place ...

5

Ready to Change: June 2009

http://reallyreadyforchange.blogspot.com/2009_06_01_archive.html

Monday, June 29, 2009. 2600 left to pay on the credit card. My original goal was July 1, but that is not going to happen- too many Murphy visits- plumbing, car repairs. My revised goal is to finish by October 15. Links to this post. Friday, June 26, 2009. Capital One- Canceled, but not gone. I just called and cancelled my Cap 1 card because they were changing the terms of agreement. My new goal is to pay off the card by Oct. 15. This sure is taking longer than I thought! Links to this post. 2 Lose 15 pou...

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Just Write A Check...: Fall Updates

http://writeacheck.blogspot.com/2010/11/fall-updates.html

Just Write A Check. Paying back debts, one check at a time. Tuesday, November 9, 2010. I updated the progress bars on the right side again, it feels so good to see the credit cards decreasing so much! As soon as some of the pending payments clear, we'll be under $10k in outstanding balance on the credit cards! When all that hit, we still had to absorb payments of half that, which was tough but fortunately still possible for us. One of the cars is completely paid off, so we're down to a single car loan!

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Just Write A Check...: March 2011

http://writeacheck.blogspot.com/2011_03_01_archive.html

Just Write A Check. Paying back debts, one check at a time. Friday, March 11, 2011. Compared to the "average" person who can afford their mortgage payments but simply don't want to pay any more, and decide to give back the house to the bank, this particular situation seems far worse to me. They got a huge financial gain out of it, by getting their other loans paid off completely! I'd be happy renting a house for a few years, if it meant being free of all the house debt and never-ending maintenance and re...

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Just Write A Check...: January 2011

http://writeacheck.blogspot.com/2011_01_01_archive.html

Just Write A Check. Paying back debts, one check at a time. Sunday, January 30, 2011. Our other car's payments are $350/month, with almost a year and a half left. I hate that we're taking out that much more debt, especially when the existing car was only just paid off and still runs fine. but the reality is that we're wasting at least that much in eating out and other non-frugal spending each month too. Just Write A Check. Subscribe to: Posts (Atom). Overall Debt, as of Mar 10, 2011. Just Write A Check.

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Just Write A Check...: Bleeding Money

http://writeacheck.blogspot.com/2011/01/bleeding-money.html

Just Write A Check. Paying back debts, one check at a time. Sunday, January 30, 2011. Our other car's payments are $350/month, with almost a year and a half left. I hate that we're taking out that much more debt, especially when the existing car was only just paid off and still runs fine. but the reality is that we're wasting at least that much in eating out and other non-frugal spending each month too. Just Write A Check. High risk merchant accounts. January 30, 2011 at 10:22 PM. March 8, 2011 at 8:59 PM.

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Just Write A Check...: August 2010

http://writeacheck.blogspot.com/2010_08_01_archive.html

Just Write A Check. Paying back debts, one check at a time. Sunday, August 22, 2010. In the upcoming months, I'll likely be asked to start taking furlough days. In my case, the furlough days will be unpaid days, sort of like a temporary layoff, but will probably be structured as a day off every so many work days. I don't yet know the details, but it'll most likely represent at least a 20% pay cut. And realistically, it'll be closer to 30%, because I'll lose overtime pay as well. Just Write A Check. Just ...

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Just Write A Check...: No Progress

http://writeacheck.blogspot.com/2011/03/no-progress.html

Just Write A Check. Paying back debts, one check at a time. Wednesday, March 9, 2011. In the past month, we haven't really made any more financial progress. We had a few extra bills this past month, including our annual homeowners association dues. The combination of vacation and the extra bills meant that we only paid the minimums on the remaining credit card debt. Just Write A Check. Subscribe to: Post Comments (Atom). Overall Debt, as of Mar 10, 2011. Current Balance: $57,354 $140,932 $0.

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Just Write A Check...: March 2010

http://writeacheck.blogspot.com/2010_03_01_archive.html

Just Write A Check. Paying back debts, one check at a time. Friday, March 5, 2010. Earlier today I had a discussion with a friend who is planning to move later this spring. Her and her husband are going to try to negotiate a lower monthly rent amount, and are going to offer to prepay a significant amount (6-12 months) if the landlord or management company will agree to reduce the payment by about $100/mo (roughly 15%). The building has plumbing or mechanical problems (a pipe freezes then bursts, or the b...

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Just Write A Check...: April 2011

http://writeacheck.blogspot.com/2011_04_01_archive.html

Just Write A Check. Paying back debts, one check at a time. Thursday, April 14, 2011. A few years ago, I was in favor of most of the low-income tax breaks and programs. I volunteered with programs that served low-income families, and saw how much those programs helped. At tax time, they are getting tax credit refunds of $5-10k! Meanwhile, we're having to pay in way more than that, and that's after working hard all year. Just Write A Check. Labels: quit my job. Wednesday, April 13, 2011. We have been able...

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Just Write A Check...: Maintaining momentum

http://writeacheck.blogspot.com/2011/04/maintaining-momentum.html

Just Write A Check. Paying back debts, one check at a time. Wednesday, April 13, 2011. Hubby and I are having a difficult time maintaining momentum with the debt repayment. While we haven't added to credit card balance, it's been going down very slowly. It seems like we'll charge $250 (for things like gas or books) and then we'll pay off $500. At our current rate, that last $5,000 is going to be around for a long time! In reality, we're hoping that it'll be gone by the end of the year. Just Write A Check.

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Just Write A Check...: December 2010

http://writeacheck.blogspot.com/2010_12_01_archive.html

Just Write A Check. Paying back debts, one check at a time. Tuesday, December 21, 2010. Starting in February, Hubby and I are going to switch to a new budget. So far we've just been splitting our "extra" money, using about half to pay down credit cards and the other half to stash in emergency savings. Here are our anticipated categories and savings amounts, per month:. Car insurance - $210. House (maintenance/repairs) - $300. Mortgage (principal reduction) - $800. Just Write A Check. Just Write A Check.

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Ready to Change

Monday, March 29, 2010. Credit Card Debt Gone! And it "only" took 33 months to pay it off :(. $13,700 of debt divided by 33 months- that's an average of $415/month. I'm really glad to be done with this debt. I had no idea when I was charging on the credit cards that it would be this difficult to pay them off. Never again! It really hasn't sunk in yet that I finally paid this debt. I think I'll stare at the sidebar for a while! Links to this post. Wednesday, February 17, 2010. One Month Later . 2 Lose 15 ...

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