Home Mail MemberMap Chat (0) Wallpapers
Go Back   ChiefsPlanet > The Lounge

Reply
 
Thread Tools Display Modes
Old 05-08-2013, 08:25 PM  
DA_T_84 DA_T_84 is offline
Tossed Salad & Scrambled Eggs
 
DA_T_84's Avatar
 
Join Date: Jan 2009
Location: ATX & OPKS
Casino cash: $9631
VARSITY
How Fast Can I Become Debt-Free?

The answer was 10 months.

Today I paid off the car; last month the credit card (it ballooned up to 2k after necessary flights and the holidays). I got a new job 6 weeks ago, as I mentioned in another thread, and it has been a Godsend.

Thanks for the thoughtful advice in this thread.

My next objective is to save my ass off. What are some good goals to shoot for? How many seperate piles should I be creating? (House, ring, future kids, retirement, etc..)

original post:
Spoiler!

Last edited by DA_T_84; 03-19-2014 at 06:51 PM..
Posts: 9,807
DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.
  Reply With Quote
Old 05-08-2013, 08:28 PM   #2
Bearcat Bearcat is online now
Is this real life?
 
Bearcat's Avatar
 

Join Date: Nov 2000
Location: Kansas City
Casino cash: $12304
mint.com
__________________
Posts: 27,874
Bearcat has enough rep power to blowy ou to bits.Bearcat has enough rep power to blowy ou to bits.Bearcat has enough rep power to blowy ou to bits.Bearcat has enough rep power to blowy ou to bits.Bearcat has enough rep power to blowy ou to bits.Bearcat has enough rep power to blowy ou to bits.Bearcat has enough rep power to blowy ou to bits.Bearcat has enough rep power to blowy ou to bits.Bearcat has enough rep power to blowy ou to bits.Bearcat has enough rep power to blowy ou to bits.Bearcat has enough rep power to blowy ou to bits.
  Reply With Quote
Old 05-08-2013, 08:28 PM   #3
KCUnited KCUnited is offline
ACAB
 
KCUnited's Avatar
 

Join Date: Nov 2007
Location: Harms Way
Casino cash: $12529
You have a $100 minimum on a balance of $500?
Posts: 13,437
KCUnited is obviously part of the inner Circle.KCUnited is obviously part of the inner Circle.KCUnited is obviously part of the inner Circle.KCUnited is obviously part of the inner Circle.KCUnited is obviously part of the inner Circle.KCUnited is obviously part of the inner Circle.KCUnited is obviously part of the inner Circle.KCUnited is obviously part of the inner Circle.KCUnited is obviously part of the inner Circle.KCUnited is obviously part of the inner Circle.KCUnited is obviously part of the inner Circle.
  Reply With Quote
Old 05-08-2013, 08:29 PM   #4
Hog Farmer Hog Farmer is offline
Good Donkey = Dead Donkey
 
Hog Farmer's Avatar
 

Join Date: Nov 2001
Casino cash: $11955
OK . Take out a 0%credit card. I know you surely get offers . And pay off everything. Just honor your CC commitment and don't be late.
Posts: 15,883
Hog Farmer has parlayed a career as a truck driver into debt free trailer and jon boat ownership.Hog Farmer has parlayed a career as a truck driver into debt free trailer and jon boat ownership.Hog Farmer has parlayed a career as a truck driver into debt free trailer and jon boat ownership.Hog Farmer has parlayed a career as a truck driver into debt free trailer and jon boat ownership.Hog Farmer has parlayed a career as a truck driver into debt free trailer and jon boat ownership.Hog Farmer has parlayed a career as a truck driver into debt free trailer and jon boat ownership.Hog Farmer has parlayed a career as a truck driver into debt free trailer and jon boat ownership.Hog Farmer has parlayed a career as a truck driver into debt free trailer and jon boat ownership.Hog Farmer has parlayed a career as a truck driver into debt free trailer and jon boat ownership.Hog Farmer has parlayed a career as a truck driver into debt free trailer and jon boat ownership.Hog Farmer has parlayed a career as a truck driver into debt free trailer and jon boat ownership.
  Reply With Quote
Old 05-08-2013, 08:30 PM   #5
DA_T_84 DA_T_84 is offline
Tossed Salad & Scrambled Eggs
 
DA_T_84's Avatar
 

Join Date: Jan 2009
Location: ATX & OPKS
Casino cash: $9631
VARSITY
Quote:
Originally Posted by Bearcat View Post
mint.com
I do have that, but the delay on those reports makes them irrelevant. I get updates with 2-week old info, and its never completely accurate.

I want to plan going forward as opposed to combing through incorrect, delayed reports.
__________________
From: *****, Scott
Sent: Tuesday, August 31st, 2010 8:50 AM
To: Hamilton, Brandon
Subject: RE: AC in Weight Room

Brandon - gum wrapper and ball of hair on player staircase for two days now...

scott
Posts: 9,807
DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.
  Reply With Quote
Old 05-08-2013, 08:31 PM   #6
DA_T_84 DA_T_84 is offline
Tossed Salad & Scrambled Eggs
 
DA_T_84's Avatar
 

Join Date: Jan 2009
Location: ATX & OPKS
Casino cash: $9631
VARSITY
Quote:
Originally Posted by KCUnited View Post
You have a $100 minimum on a balance of $500?
Well, thats my minimum, that I set. I'm sure its something stupid like 30 bucks, but it's my highest interest debt source.
__________________
From: *****, Scott
Sent: Tuesday, August 31st, 2010 8:50 AM
To: Hamilton, Brandon
Subject: RE: AC in Weight Room

Brandon - gum wrapper and ball of hair on player staircase for two days now...

scott
Posts: 9,807
DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.
  Reply With Quote
Old 05-08-2013, 08:31 PM   #7
Iowanian Iowanian is offline
Besides, big day tomorrow
 
Iowanian's Avatar
 

Join Date: Aug 2000
Location: Utopia
Casino cash: $15157
Debt snowball.

Pay off the smallest debt. Put that payment onto the 2nd lowest debt....
Find ways to save money, find ways to make extra cash.
Use that extra income for debt reduction and then eventually savings.
__________________
Quote:
Originally Posted by KC native View Post
I said I'm an expert dickrider.
Posts: 51,030
Iowanian is obviously part of the inner Circle.Iowanian is obviously part of the inner Circle.Iowanian is obviously part of the inner Circle.Iowanian is obviously part of the inner Circle.Iowanian is obviously part of the inner Circle.Iowanian is obviously part of the inner Circle.Iowanian is obviously part of the inner Circle.Iowanian is obviously part of the inner Circle.Iowanian is obviously part of the inner Circle.Iowanian is obviously part of the inner Circle.Iowanian is obviously part of the inner Circle.
  Reply With Quote
Old 05-08-2013, 08:33 PM   #8
Garcia Bronco Garcia Bronco is offline
No Keys, No Problem
 

Join Date: Sep 2000
Location: Denver
Casino cash: $8746
I recommend several things and none are easy.

One, cut up the credit card
Two, eat at home and make your lunch
Three, see if you can delay (defer) any student loan debt until the credit card debt is gone.
Four, get a second job..something that is night work but has little time commitment
Five, do things on the cheap. Got a date? Take her to the park and do a light outdoor activity.

Attack your highest interest debt after you rid yourself on the small debt.

Last edited by Garcia Bronco; 05-08-2013 at 08:39 PM..
Posts: 22,473
Garcia Bronco Forgot to Remove His Claytex and Got Toxic Shock Syndrome.Garcia Bronco Forgot to Remove His Claytex and Got Toxic Shock Syndrome.Garcia Bronco Forgot to Remove His Claytex and Got Toxic Shock Syndrome.Garcia Bronco Forgot to Remove His Claytex and Got Toxic Shock Syndrome.Garcia Bronco Forgot to Remove His Claytex and Got Toxic Shock Syndrome.Garcia Bronco Forgot to Remove His Claytex and Got Toxic Shock Syndrome.Garcia Bronco Forgot to Remove His Claytex and Got Toxic Shock Syndrome.Garcia Bronco Forgot to Remove His Claytex and Got Toxic Shock Syndrome.Garcia Bronco Forgot to Remove His Claytex and Got Toxic Shock Syndrome.Garcia Bronco Forgot to Remove His Claytex and Got Toxic Shock Syndrome.Garcia Bronco Forgot to Remove His Claytex and Got Toxic Shock Syndrome.
  Reply With Quote
Old 05-08-2013, 08:34 PM   #9
Donger Donger is offline
"Think BOOM!"
 
Donger's Avatar
 

Join Date: Nov 2003
Location: 33.675 N 106.475 W
Casino cash: $96
VARSITY
Looks like about six months if you are aggressive.
__________________
I think the young people enjoy it when I "get down," verbally, don't you?
Posts: 78,135
Donger is obviously part of the inner Circle.Donger is obviously part of the inner Circle.Donger is obviously part of the inner Circle.Donger is obviously part of the inner Circle.Donger is obviously part of the inner Circle.Donger is obviously part of the inner Circle.Donger is obviously part of the inner Circle.Donger is obviously part of the inner Circle.Donger is obviously part of the inner Circle.Donger is obviously part of the inner Circle.Donger is obviously part of the inner Circle.
  Reply With Quote
Old 05-08-2013, 08:37 PM   #10
Simply Red Simply Red is offline
You seem nice.
 
Simply Red's Avatar
 

Join Date: Sep 2005
Location: Out of the office
Casino cash: $26964
VARSITY
__________________
Adopt a Chuefs:

Jeff Linkenbach
Sean Smith
Frank Zombo
X Factor 'Ty' Superfan
Posts: 43,666
Simply Red is obviously part of the inner Circle.Simply Red is obviously part of the inner Circle.Simply Red is obviously part of the inner Circle.Simply Red is obviously part of the inner Circle.Simply Red is obviously part of the inner Circle.Simply Red is obviously part of the inner Circle.Simply Red is obviously part of the inner Circle.Simply Red is obviously part of the inner Circle.Simply Red is obviously part of the inner Circle.Simply Red is obviously part of the inner Circle.Simply Red is obviously part of the inner Circle.
  Reply With Quote
Old 05-08-2013, 08:37 PM   #11
DA_T_84 DA_T_84 is offline
Tossed Salad & Scrambled Eggs
 
DA_T_84's Avatar
 

Join Date: Jan 2009
Location: ATX & OPKS
Casino cash: $9631
VARSITY
Quote:
Originally Posted by Iowanian View Post
Debt snowball.

Pay off the smallest debt. Put that payment onto the 2nd lowest debt....
Find ways to save money, find ways to make extra cash.
Use that extra income for debt reduction and then eventually savings.
I like that idea, but do you suggest smallest first, or highest interest first?
__________________
From: *****, Scott
Sent: Tuesday, August 31st, 2010 8:50 AM
To: Hamilton, Brandon
Subject: RE: AC in Weight Room

Brandon - gum wrapper and ball of hair on player staircase for two days now...

scott
Posts: 9,807
DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.
  Reply With Quote
Old 05-08-2013, 08:38 PM   #12
NewChief NewChief is online now
Greenbacker and Loving Liberal
 
NewChief's Avatar
 

Join Date: Aug 2001
Location: Fayetteville, AR
Casino cash: $9429
Yeah. Should be easy with discipline. I'd love for my monthly expenses and payments to look like you're. Damn kids.
__________________
In this world of sin and sorrow there is always something to be thankful for; as for me, I rejoice that I am not a Republican.
- H. L. Mencken
Posts: 19,416
NewChief has enough rep power to blowy ou to bits.NewChief has enough rep power to blowy ou to bits.NewChief has enough rep power to blowy ou to bits.NewChief has enough rep power to blowy ou to bits.NewChief has enough rep power to blowy ou to bits.NewChief has enough rep power to blowy ou to bits.NewChief has enough rep power to blowy ou to bits.NewChief has enough rep power to blowy ou to bits.NewChief has enough rep power to blowy ou to bits.NewChief has enough rep power to blowy ou to bits.NewChief has enough rep power to blowy ou to bits.
  Reply With Quote
Old 05-08-2013, 08:38 PM   #13
Bob Dole Bob Dole is offline
King Shit of **** Mountain
 

Join Date: Aug 2000
Location: Texarkana, Texas
Casino cash: $20442
Austin?

4 words: Bull McCabe's for Smithwick's

(Ok...that did not help at all.)
Posts: 33,731
Bob Dole is too fat/Omaha.Bob Dole is too fat/Omaha.Bob Dole is too fat/Omaha.Bob Dole is too fat/Omaha.Bob Dole is too fat/Omaha.Bob Dole is too fat/Omaha.Bob Dole is too fat/Omaha.Bob Dole is too fat/Omaha.Bob Dole is too fat/Omaha.Bob Dole is too fat/Omaha.Bob Dole is too fat/Omaha.
  Reply With Quote
Old 05-08-2013, 08:39 PM   #14
Bearcat Bearcat is online now
Is this real life?
 
Bearcat's Avatar
 

Join Date: Nov 2000
Location: Kansas City
Casino cash: $12304
Quote:
Originally Posted by Dante84 View Post
I do have that, but the delay on those reports makes them irrelevant. I get updates with 2-week old info, and its never completely accurate.

I want to plan going forward as opposed to combing through incorrect, delayed reports.
Why is it 2 weeks old? Your accounts should update every time you log in, so I guess unless you're mailing checks or something, it should be up to date... and you can set budgets and goals, too, so it's not just a tool to view the past.

I'd hit the highest interest debt first, then like Iowanian said, use that payment amount to help pay off other debt. The biggest thing I do when I want to save some cash is stop eating out... when I first signed up for mint, I didn't even realize how much I was spending.... didn't have cable at the time, but more than made up for it with trips to BWW.
__________________
Posts: 27,874
Bearcat has enough rep power to blowy ou to bits.Bearcat has enough rep power to blowy ou to bits.Bearcat has enough rep power to blowy ou to bits.Bearcat has enough rep power to blowy ou to bits.Bearcat has enough rep power to blowy ou to bits.Bearcat has enough rep power to blowy ou to bits.Bearcat has enough rep power to blowy ou to bits.Bearcat has enough rep power to blowy ou to bits.Bearcat has enough rep power to blowy ou to bits.Bearcat has enough rep power to blowy ou to bits.Bearcat has enough rep power to blowy ou to bits.
  Reply With Quote
Old 05-08-2013, 08:39 PM   #15
DA_T_84 DA_T_84 is offline
Tossed Salad & Scrambled Eggs
 
DA_T_84's Avatar
 

Join Date: Jan 2009
Location: ATX & OPKS
Casino cash: $9631
VARSITY
Quote:
Originally Posted by Hog Farmer View Post
OK . Take out a 0%credit card. I know you surely get offers . And pay off everything. Just honor your CC commitment and don't be late.
I considered that, however, isn't there an extra charge for paying off a loan or credit debt with a credit card? If so, I don't want to incur more fees...
__________________
From: *****, Scott
Sent: Tuesday, August 31st, 2010 8:50 AM
To: Hamilton, Brandon
Subject: RE: AC in Weight Room

Brandon - gum wrapper and ball of hair on player staircase for two days now...

scott
Posts: 9,807
DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.DA_T_84 's phone was tapped by Scott Pioli.
  Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On

Forum Jump




All times are GMT -6. The time now is 10:01 PM.


This is a test for a client's site.
A new website that shows member-created construction site listings that need fill or have excess fill. Dirt Monkey @ https://DirtMonkey.net
Powered by vBulletin® Version 3.8.0
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.