Debt reduction.

[Scotsman]

In the last year I have gotten rid of ~$20,000 in debt I racked up when I was younger and stupid, followed by unemployment. By summer I should be completely free and clear.

Yay me.

Anyone else getting their heads above water?

Cheers,
Scotsman

 

[Frisky]

In the last year I have gotten rid of ~$20,000 in debt I racked up when I was younger and stupid, followed by unemployment. By summer I should be completely free and clear.

Yay me.

Anyone else getting their heads above water?

Cheers,
Scotsman

I'm face first right now.

I'll send you mine just so you don't feel lost with no bills

 

[nycgirl]

I did a few years ago. Its the best feeling in the world.

 

[alien amp pharm]

I told you raising your rate for a blowjob was a good idea.

 

[Frisky]

I told you raising your rate for a blowjob was a good idea.

Should have listened, beings it worked for you. How much are you charging now?

 

[Scotsman]

I'm face first right now.

I'll send you mine just so you don't feel lost with no bills

No thanks, I like feeling lost, but I'll be lost and putting lot's of money in the bank.

Thanks for the idea aap, I'll tell your girlfriend she can take a raise this quarter.

Oh wait that must have been you working for me, your girls would do better in a cotton factory.

Cheers,
Scotsman

 

[Scotsman]

Should have listened, beings it worked for you. How much are you charging now?

Obviously not enough since they sent someone to break his arm when he missed payments.

Cheers,
Scotsman

 

[SoreArms]

I'm just learning to avoid negative balances between paychecks. Debt reduction is next sometime after that.

 

[Scotsman]

I'm just learning to avoid negative balances between paychecks. Debt reduction is next sometime after that.

That's how I was a year ago. I just bit the bullet and quit doing a lot of stuff and focused on paying debts.

Cheers,
Scotsman

 

[Frisky]

Obviously not enough since they sent someone to break his arm when he missed payments.

Cheers,
Scotsman

 

[MattTheSkywalker]

congrats scotsbor.

this should be a goal for everyone.

 

[Smurfy]

yep.

 

[EnderJE]

I got my debt down to a reasonable amount (under $3k) this past year. It would of gone faster, but I didn't want to cut down on my retirement contributions or my accellerated (sp?) mortgage payments.

During this year, I plan to get back into the positive and build up my emergency fund to about $5k. Next year, I'd like find the best way to pay off my mortage in about 9 years.

 

[Scotsman]

I got my debt down to a reasonable amount (under $3k) this past year. It would of gone faster, but I didn't want to cut down on my retirement contributions or my accellerated (sp?) mortgage payments.

During this year, I plan to get back into the positive and build up my emergency fund to about $5k. Next year, I'd like find the best way to pay off my mortage in about 9 years.

Good work, mines down to about 3K as well, not counting vehicle payments of which I make 3x the monthly amount and should have it payed off by summer.

I also have 5-6K in the emergency fund right now.

Cheers,
Scotsman

 

[theoak01]

right now im working on survival until the career thing comes back,I thought I was done working shit jobs that id struggle to get by in,but apparently not,back to the pits with me

 

[EnderJE]

Good work, mines down to about 3K as well, not counting vehicle payments of which I make 3x the monthly amount and should have it payed off by summer.

I also have 5-6K in the emergency fund right now.

Cheers,
Scotsman

Nice going with the EFund. I've got significantly less then that. But, I do own my car outright. Now just for the house...

 

[Razorguns]

congrats.

now save up $10k in savings, and combined with zero debt -- you'll be nicely comfortable in life.

 

[Longhorn85]

Don't forget the life insurance!

 

[mountain muscle]

Slowly Brother, that is what off weeks are for...

 

[Longhorn85]

Slowly Brother, that is what off weeks are for...

I don't get it.

 

[mountain muscle]

I don't get it.

Slowly Brother i am getting them paid off, that is what off days (overtime) are for.

Damn we always have to spell it out for Texans lol.

 

[Longhorn85]