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Re: The Official 2019 Debt Smackdown @PeculiarBella Congratulations on getting started. Advice: Save a small emergency fund to help avoid needing to use credit cards in the future. Focus on one debt at a time while making only minimum…
- MartyH
- MartyH
- 2 yrs ago
- 6
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Re: The Official 2019 Debt Smackdown @ecr250 Not having a car payment is an awesome feeling! This time next month you will really be able to relate.
- MartyH
- MartyH
- 2 yrs ago
- 1
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Re: The Official 2019 Debt Smackdown @MXMOM zero percent for my balance transfer last year and for purchases until Jan 2020. So a lot of expenses are going on that now so I can be sure I can avoid interest on the card that I normally…
- MartyH
- MartyH
- 2 yrs ago
- 3
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Re: 2019: The Official Savings Challenge First check-in since April. Savings went south since then even not including "planned" spending like vacation. We had a pet emergency that cost a few thousand and we ended up putting down a dog…
- MartyH
- MartyH
- 2 yrs ago
- 1
- Join A Challenge
- Reported - view
Re: The Official 2019 Debt Smackdown First check-in since April. Savings went south since then even not including "planned" spending like vacation. We had a pet emergency that cost a few thousand and we ended up putting down a dog…
- MartyH
- MartyH
- 2 yrs ago
- 4
- Join A Challenge
- Reported - view
Re: The Official 2019 Debt Smackdown @Violet Drill Still in the right direction and you corrected something for next year. My internet provider includes security for all my devices, so I don't have to worry about that.…
- MartyH
- MartyH
- 2 yrs ago
- 4
- Join A Challenge
- Reported - view
Re: 2019: The Official Savings Challenge April check-in. Slight reversal in savings this month. That is a result initial payments to clear the drain line for a sewer overflow (cleaned up now), $2k in budgeted car maintenance,…
- MartyH
- MartyH
- 2 yrs ago
- 4
- Join A Challenge
- Reported - view
Re: The Official 2019 Debt Smackdown April check-in. I went backwards about $2575 officially if I include my paid in full credit card which I don't normally count and isn't reflected below.…
- MartyH
- MartyH
- 2 yrs ago
- 5
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Re: The Official 2019 Debt Smackdown @farfromtheusual I've always been able to find a balance transfer with no interest and no transfer fee. So always look for one of those first when considering a new card.
- MartyH
- MartyH
- 2 yrs ago
- 3
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Re: 2019: The Official Savings Challenge March checkin. Saved $3685.57 in March. April is starting out with over $2000 in car repairs. Much of it was saved for, but not all. So April will be lean.
- MartyH
- MartyH
- 2 yrs ago
- 5
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- Reported - view
Re: The Official 2019 Debt Smackdown March checkin. Paid $2380 toward debt in March. April is starting out with over $2000 in car repairs. Much of it was saved for, but not all. So April will be lean.
- MartyH
- MartyH
- 2 yrs ago
- 4
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Re: The Official 2019 Debt Smackdown @Ruff16965 (05bd62cee897) That could open another can of worms. If you "reside" in OK but are just staying in CA to care for someone, you may still be a "resident" of OK.…
- MartyH
- MartyH
- 2 yrs ago
- 3
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Re: 2019: The Official Savings Challenge @bevocat Insouciance. Awsome word. I had to look it up. 😉
- MartyH
- MartyH
- 2 yrs ago
- 2
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Re: 2019: The Official Savings Challenge @xgirlmama Realizing those expenses are coming up and saving for them is great. I would create a separate Camp/Volleyball category and fund it. It will help keep you from thinking of everything as…
- MartyH
- MartyH
- 2 yrs ago
- 2
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Re: The Official 2019 Debt Smackdown @Skeettafic Getting the car paid off will be a huge boost. You will own it! Then when you get the title in the mail with no lien on it, you'll feel that boost again.…
- MartyH
- MartyH
- 2 yrs ago
- 2
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Re: The Official 2019 Debt Smackdown @Ruff16965 (05bd62cee897) If you are looking for Congress to help with your own specific problem, call your own Congressman. See what they need in writing to help you out.…
- MartyH
- MartyH
- 2 yrs ago
- 1
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Re: 2019: The Official Savings Challenge Feb checkin. Been saving more than paying debt because I owe almost as much in taxes this year as last year's refund. I've learned my lesson about running the W-4 calculator each year.…
- MartyH
- MartyH
- 2 yrs ago
- 1
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Re: The Official 2019 Debt Smackdown Feb checkin. Been saving more than paying debt because I owe almost as much in taxes this year as last year's refund. I've learned my lesson about running the W-4 calculator each year.…
- MartyH
- MartyH
- 2 yrs ago
- 3
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Re: The Official 2019 Debt Smackdown @Ruff16965 (05bd62cee897) the effort and diligence was my real point. Dealing with government is never simple or quick.
- MartyH
- MartyH
- 2 yrs ago
- 2
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Re: The Official 2019 Debt Smackdown @Ruff16965 (05bd62cee897) What you did was probably really, REALLY, hard. Getting and organizing old documentation suitable for a large financial benefit from the government isn't easy when is more…
- MartyH
- MartyH
- 2 yrs ago
- 5
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- Reported - view
Re: The Official 2019 Debt Smackdown @RecklessOptimism when you have received all the hospital bills and the insurance has paid their part, negotiate for a lower lump sum payment. It's not worth paying credit card interest to do it,…
- MartyH
- MartyH
- 2 yrs ago
- 2
- Join A Challenge
- Reported - view
Re: 2019: The Official Savings Challenge Jan update. Just starting to work on my 2018 taxes, so I'll see soon enough what I'll have to pull from savings to pay for any shortfall. I've already adjusted my W4,…
- MartyH
- MartyH
- 2 yrs ago
- 4
- Join A Challenge
- Reported - view
Re: The Official 2019 Debt Smackdown Jan update. Just starting to work on my 2018 taxes, so I'll see soon enough what I'll have to pull from these savings to pay for any shortfall. I've already adjusted my W4,…
- MartyH
- MartyH
- 2 yrs ago
- 5
- Join A Challenge
- Reported - view
Re: 2019: The Official Savings Challenge @Spring Green Rain I like the way you explain it. For the purpose of this challenge, it makes a lot of sense. It also explains why it feels like I'm doing better that it appears just looking at the…
- MartyH
- MartyH
- 3 yrs ago
- 4
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Re: 2019: The Official Savings Challenge Do you include savings toward routine True Expenses, or just discretionary or long-term categories like Emergency Funds, Investments, Vacations and other out-year expenses? What about longer term,…
- MartyH
- MartyH
- 3 yrs ago
- 3
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