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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 05-08-2013, 07:28 PM   #2
Bearcat Bearcat is offline
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Old 05-08-2013, 07:28 PM   #3
KCUnited KCUnited is offline
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You have a $100 minimum on a balance of $500?
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Old 05-08-2013, 07:29 PM   #4
Hog Farmer Hog Farmer is offline
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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.
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Hog Farmer 's phone was tapped by Scott Pioli.Hog Farmer 's phone was tapped by Scott Pioli.Hog Farmer 's phone was tapped by Scott Pioli.Hog Farmer 's phone was tapped by Scott Pioli.Hog Farmer 's phone was tapped by Scott Pioli.Hog Farmer 's phone was tapped by Scott Pioli.Hog Farmer 's phone was tapped by Scott Pioli.Hog Farmer 's phone was tapped by Scott Pioli.Hog Farmer 's phone was tapped by Scott Pioli.Hog Farmer 's phone was tapped by Scott Pioli.Hog Farmer 's phone was tapped by Scott Pioli.
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Old 05-08-2013, 07:30 PM   #5
DA_T_84 DA_T_84 is offline
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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.
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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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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.
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Old 05-08-2013, 07:31 PM   #6
DA_T_84 DA_T_84 is offline
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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.
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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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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.
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Old 05-08-2013, 07:31 PM   #7
Iowanian Iowanian is offline
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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.
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Old 05-08-2013, 07:33 PM   #8
Garcia Bronco Garcia Bronco is offline
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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 07:39 PM..
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Old 05-08-2013, 07:34 PM   #9
Donger Donger is online now
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Looks like about six months if you are aggressive.
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Old 05-08-2013, 07:37 PM   #10
Simply Red Simply Red is offline
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* The Chiefs have more player-committed murder-suicides than playoff victories in the past two decades.

* During last year's meltdown against the Colts in the post season, it looked like the injuries slider was turned up to 100% and they were carting bodies off the field like they were filming B-roll for "The Strain".

* Brodie Croyle (!) is the only quarterback drafted by the team to start a game for them since the mid-80's...and he barely beat out Damon Huard in the process. Croyle then promptly lost all six of his starts. He couldn't even beat out Tyler Thigpen once he returned from injury.
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Old 05-08-2013, 07:37 PM   #11
DA_T_84 DA_T_84 is offline
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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?
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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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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.
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Old 05-08-2013, 07:38 PM   #12
NewChief NewChief is offline
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Yeah. Should be easy with discipline. I'd love for my monthly expenses and payments to look like you're. Damn kids.
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Old 05-08-2013, 07:38 PM   #13
Bob Dole Bob Dole is offline
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Old 05-08-2013, 07:39 PM   #14
Bearcat Bearcat is offline
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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.
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Old 05-08-2013, 07:39 PM   #15
DA_T_84 DA_T_84 is offline
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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...
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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
Posts: 9,590
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.
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