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Old 05-08-2013, 07:25 PM  
DA_T_84 DA_T_84 is offline
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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:
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Last edited by DA_T_84; 03-19-2014 at 05:51 PM..
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Old 05-09-2013, 11:58 AM   #76
DA_T_84 DA_T_84 is offline
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just kidding.....
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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...

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Old 05-09-2013, 11:58 AM   #77
Dayze Dayze is online now
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Quote:
Originally Posted by Katie View Post
Looking for a good job to do from home...there are a million out there but how do you find the ones that are legit?
i bet you can find a job working from home
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Old 05-09-2013, 12:07 PM   #78
Buehler445 Buehler445 is online now
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Quote:
Originally Posted by Dante84 View Post
I am in the final stages of going to work for a temp agency that focuses on servicing home builders. It will be a weekend gig, and it will allow me to rub elbows with different HB's in the area and at the same time make 10 bucks an hour.

That extra income should help in the short term, though I am not looking forward to 7-day work weeks
That was going to be my suggestion. There are 2 sides of the equation. Revenue and Expense. Expense is pretty goddamn important. But revenue shouldn't be avoided.

Grab some extra cash. Don't **** it off, or think you can spend more money because you have extra income. That will be a huge help. Huge.

The other thing to consider is that if you grab a second revenue source, that keeps you busy. If you have idle time, that's when you spend the most money. If you're working all the time, you can't **** off your money doing stupid shit.
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Old 05-09-2013, 12:22 PM   #79
Fat Elvis Fat Elvis is offline
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Quote:
Originally Posted by Buehler445 View Post
That was going to be my suggestion. There are 2 sides of the equation. Revenue and Expense. Expense is pretty goddamn important. But revenue shouldn't be avoided.

Grab some extra cash. Don't **** it off, or think you can spend more money because you have extra income. That will be a huge help. Huge.

The other thing to consider is that if you grab a second revenue source, that keeps you busy. If you have idle time, that's when you spend the most money. If you're working all the time, you can't **** off your money doing stupid shit.
Yep. $250/week for groceries and entertainment when you are wanting to get out of debt given your current net revenue means you have too much time on your hands.

That extra revenue will also cut down on your discretionary expenses because you won't have the time to spend it. It will allow you to a) pay down your debt faster, b) create some savings, and c) let you really examine what expenses are actually important to you; quality expenses are more important than quantity expenses.
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Old 05-09-2013, 12:33 PM   #80
Oxford Oxford is offline
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Quote:
Originally Posted by Dante84 View Post
I like that idea, but do you suggest smallest first, or highest interest first?
Interest that you pay is opportunity lost (opportunity to save, opportunity to pay another loan). Therefore I would attack the loan that you pay the most interest on (not the rate). The trap is spending... keep spending and you'll never make any headway. Just make sure you allow yourself to spend some of the money you save (that way its not as much of a chore).

Credit cards are great, if you pay the balance every month. Another is track every nickel you spend to see where the money goes. You may find a way to save some money by adjusting your habits. There is a hole in everyones spending bucket.
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Old 05-09-2013, 01:30 PM   #81
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Quote:
Originally Posted by Dante84 View Post
Pics or GTFO
I don't mean THAT kind of job, silly.
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Old 05-09-2013, 04:01 PM   #82
Hog Farmer Hog Farmer is offline
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Quote:
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I don't mean THAT kind of job, silly.
Well, if that's you in your AVY I suggest you consider. You could be wealthy.
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Old 05-09-2013, 04:02 PM   #83
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Old 05-09-2013, 04:06 PM   #84
Hog Farmer Hog Farmer is offline
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Quote:
Originally Posted by KCFaninSEA View Post
I was given some great advice many years ago. It fits with long term financial planning not necessarily getting out of debt but I thought I would share. When I was about 20 I was asked who the most important person or company was that I owed money to. I didn't own a home at the time but had a car payment so I said the car loan was my most important debt. He looked me in the eye and said, wrong!!!! The most important person you owe money to is yourself. After I thought about it, he was right. I set up an automatic deduction from my paychech every week to go into a savings account I don't touch. It has taken some willpower to leave it alone but after some time I just don't even think about it very often. It has been over 25 years now and it will be a nice chunk of change when I start drawing my pension.
Savings accounts are paying 0.5% or less . Inflation is 5% +.
You Lose.

And you misspelled paycheck !
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Old 05-09-2013, 04:18 PM   #85
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If you were a girl I'd say this: Get pregnant, wait til you're showing blatantly, post pregnant pics of yourself on as many websites, social or otherwise, as possible. Put desperate, but cute statements under them like "6 months and broke, what's an expectant mother to do?" watch the money roll in from friends and family, combine it with the state funding you get, then combine that with your child support from baby's Daddy. You'll be out of debt in minimum time and won't even have to lift a finger; just spread your legs.

You're a guy though so all that's irrelevant and you're just ****ed.
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Old 05-09-2013, 06:14 PM   #86
SLAG SLAG is offline
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I second the Dave Ramsey Plan.

A lot of it has been said in this thread - but If you stick to His plan - it really works.

You could be debt free in the next few months!

Good Luck
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Old 05-09-2013, 06:48 PM   #87
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Quote:
Originally Posted by Katie View Post
Looking for a good job to do from home...there are a million out there but how do you find the ones that are legit?
Almost none of them are legit, unless you are doing Ebay or something like that.

How are you one of the original members of this board and only have 400 posts?
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Old 05-09-2013, 06:50 PM   #88
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Just started a Roth Ira with Vanguard. I put in 150 month, just started in January. I have contributed 1600 so far, but I have earned almost 90 that the fund has generated, Which completely shits over anything a savings account will do. You should only put in 3 months pay or not much more than 10000 dollars into savings. It is meant to be liquid assets to be used in a pinch with little to no penalty, not something you rely on for retirement.
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Old 03-19-2014, 05:52 PM   #89
DA_T_84 DA_T_84 is offline
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Updated!
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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
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Old 03-19-2014, 05:54 PM   #90
Easy 6 Easy 6 is offline
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