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Re: What did you do to improve your finances today? Did some digging into student loan issues (*still* waiting on the DoE to finalize that $#&^$#& cancer form!) and discovered (why I didn't look into this before,…
- Black Orchid
- black_orchid
- 1 yr ago
- 6
- YNAB Wins
- Reported - view
Re: What did you do to improve your finances today? Sent an email to my apt complex manager explaining that their 7% renewal offer was unacceptable because inflation is only at 2% right now, no renovations have been done to the community,…
- Black Orchid
- black_orchid
- 1 yr ago
- 5
- YNAB Wins
- Reported - view
Re: What did you do to improve your finances today? I discovered the joys of Aquaphor Healing Ointment as a lip salve (all $4 a tube of it), which replaces my typical $26 a tube lip mask.
- Black Orchid
- black_orchid
- 1 yr ago
- 6
- YNAB Wins
- Reported - view
Re: Endless Student Loan Debt Unfortunately, federal student loans are generally not forgivable during bankruptcy. In order for them to be forgiven during bankruptcy, you need to prove in an adversarial proceeding that (1) you…
- Black Orchid
- black_orchid
- 1 yr ago
- Dealing with Debt
- Reported - view
Re: What did you do to improve your finances today? @bevocat ditto! I'm fairly certain my insurer rues the day I joined their plans. Taurean stubbornness is not something to mess with.
- Black Orchid
- black_orchid
- 1 yr ago
- 3
- YNAB Wins
- Reported - view
Re: What did you do to improve your finances today? I argued with my health insurer (again) until they finally agreed to (1) cover my therapist appointments (the 6 I've had since my plan started over) as in-network charges because they lied to both…
- Black Orchid
- black_orchid
- 1 yr ago
- 8
- YNAB Wins
- Reported - view
Re: The Official 2019 Debt Smackdown March check-in: Put $487.13 towards my consumer debt, and $164.73 towards my car loan. Things slowed down a bit because I had to purchase more items than expected for medical needs.…
- Black Orchid
- black_orchid
- 1 yr ago
- 10
- Join A Challenge
- Reported - view
Re: What did you do to improve your finances today? Set up a second interview for a new position with a possible title and salary increase.
- Black Orchid
- black_orchid
- 1 yr ago
- 7
- YNAB Wins
- Reported - view
Re: What did you do to improve your finances today? I had to purchase several clothing items to help with my post-mastectomy recovery, which totally blew through my health care budget. BUT I took the time to check into (1) my health care…
- Black Orchid
- black_orchid
- 1 yr ago
- 4
- YNAB Wins
- Reported - view
Re: What did you do to improve your finances today? @Black Orchid Thank FSM for my tenacity. Updated on my journal, so I thought I'd post it here, as well. I kept contacting my student loan servicer until I finally reached a specialist,…
- Black Orchid
- black_orchid
- 1 yr ago
- 4
- YNAB Wins
- Reported - view
Re: Categorizing Expenses? @Ben Khaki Storm Thanks, Ben. I might try doing that, though, again, I very much doubt I'll ever end up itemizing these. My health insurance plan is (thankfully) one of the best in this marketplace,…
- Black Orchid
- black_orchid
- 1 yr ago
- Tips & Tricks
- Reported - view
Re: What did you do to improve your finances today? Started an analysis of grocery delivery services. I LOVE my Fresh Direct service because of the ability to ensure fresh produce, but I want to see what the cost differential is between that and, say,…
- Black Orchid
- black_orchid
- 1 yr ago
- 5
- YNAB Wins
- Reported - view
Re: What did you do to improve your finances today? Finalized a new student loan repayment plan, taking my monthly payments from $921 to $376! *happy dance* Filled out loan forgiveness forms to take to my current employer to fill out to re-start the…
- Black Orchid
- black_orchid
- 1 yr ago
- 4
- YNAB Wins
- Reported - view
Re: What did you do to improve your finances today? @Ben Khaki Storm @adriana01 I'm actually being *vastly* underpaid for my current position (based on the market), and am being asked to do work at a much higher level.…
- Black Orchid
- black_orchid
- 1 yr ago
- 5
- YNAB Wins
- Reported - view
Re: What did you do to improve your finances today? Finally got around to digging out my old xHD so I could upload all my music to google play (all 10k songs or so...) - that's a $10/mo subscription I can cancel;…
- Black Orchid
- black_orchid
- 1 yr ago
- 3
- YNAB Wins
- Reported - view
Re: Debt calculator @Ben Khaki Storm I'm "fortunate" in that I don't have more than 10 lines of debt, so I haven't had to move beyond the free version, but I don't think I'd pay for it either.…
- Black Orchid
- black_orchid
- 1 yr ago
- 1
- Dealing with Debt
- Reported - view
Debt calculator
I'm not sure if this has been posted somewhere on this forum before, but I found this last year, and found it incredibly useful in mapping out a debt repayment plan.…
- Black Orchid
- black_orchid
- 1 yr ago
- 6 replies
- 238
- 3
- Dealing with Debt
Re: Categories Hacking @Ben Khaki Storm I like HelloFax, but I use the esign feature a lot (and I'm not sure that faxzero has that?). I also know that their per page fax cost is lower than faxzero if you're on the free…
- Black Orchid
- black_orchid
- 1 yr ago
- 1
- Tips & Tricks
- Reported - view
Re: Categories Hacking I just posted these in my journal, but I thought I'd share them here, as well. They have new "fun" category titles, as well as some emojis (because I'm being forced to rest after my recent surgery):
- Black Orchid
- black_orchid
- 1 yr ago
- Tips & Tricks
- Reported - view
Re: The Official 2019 Debt Smackdown February check-in: Put $1452.36 towards my cc debt, and 164.76 towards my car loan. Still working on getting my student loan new IBR plan straightened out,…
- Black Orchid
- black_orchid
- 1 yr ago
- 4
- Join A Challenge
- Reported - view
Re: What did you do to improve your finances today? Spent a couple hours on the phone with my health insurance company to get them to properly re-evaluate three medical claims, saving me $294 in out-of-pocket costs;…
- Black Orchid
- black_orchid
- 1 yr ago
- 8
- YNAB Wins
- Reported - view
Re: Categorizing Expenses? Thanks, @Heatskitchen and @nolesrule I don't itemize my taxes (at least not since the latest changes), but was leaning towards medical categorization, and wanted to hear others' thoughts.…
- Black Orchid
- black_orchid
- 1 yr ago
- Tips & Tricks
- Reported - view
Categorizing Expenses?
Hi all, I know categories are a personal thing, but I guess I'm wondering how y'all would categorize expenses that might normally be considered under one category (for instance,…
- Black Orchid
- black_orchid
- 1 yr ago
- 9 replies
- 271
- Tips & Tricks
Re: Laundry Detergent (or is it soap) I use Method products fairly exclusively, and their detergents are formulated for HE machines. From Target, I think the measure kind works out to less than $0.…
- Black Orchid
- black_orchid
- 1 yr ago
- Tips & Tricks
- Reported - view
Re: The Official 2019 Debt Smackdown I want to pay down $8345.66 in cc debt across 3 cards; hope to pay off by July. I'm claiming line 217.
- Black Orchid
- black_orchid
- 1 yr ago
- 9
- Join A Challenge
- Reported - view

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