New budget period started today. Added the funds to my sinking fund ($117.70 first time ever), I couldn't help but wonder if I should add this amount to CC3. I did pay an extra $114, knocking CC3 down to $586; however, I want this thing gone!
If I add the sinking funds to the CC debt instead of saving, I could have this credit card π³ paid off by mid-February. My 2018 goal is to pay off a CC each quarter, so I know that this will be gone soon. However, the drawback of using the sinking fund is that, I wouldn't be socking away the car insurance, and will continue to pay monthly, that I hate. In addition, I wouldn't be putting away for car maintenance, dues, and Christmas/birthdays. What would you do? Put the money towards debt, and then catch the sinking fund up? Or keep adding to the sinking fund, while paying extra to the debt?
New Budget Period - Can You All Provide Me Some Advice?
December 28th, 2017 at 01:06 pm
December 28th, 2017 at 01:14 pm 1514466886
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December 28th, 2017 at 02:53 pm 1514472808
Thus, put all resources towards unsecured CC debt that costs you more than any other unsecured (car insurance) and/or lower interest rated debt(s).
December 28th, 2017 at 02:54 pm 1514472846
How is the house sale coming? Are there rentals that are part of the estate? If so, what is the plan for those?
December 28th, 2017 at 03:19 pm 1514474370
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December 28th, 2017 at 08:18 pm 1514492310
I've taken a few items out of the closest and posted on OfferUp, hopefully, I can sell some things
December 28th, 2017 at 10:41 pm 1514500903
I think it is time you explained the sorority thing, too. You keep saying it is a long story. Whatever the story is, it is not something you can afford to pay for right now. And I would simply tell them that. Good people value honesty. What can a sorority do for you that can't be accomplished by hard work and networking anyway? Have they ever done anything for you? Or is it all one sided with you paying dues and them doing nothing? My opinion is that sororities are a big source of keeping up with the Joneses.
December 29th, 2017 at 01:06 am 1514509610
So I always wanted to be a part of a certain sorority. I finally got the invite and was initiated . Long story short my mentor and friend made the recommendation and I was in. I actually borrowed the money ($2k) from my mother to join. π€¦πΎββοΈπ Big mistake.
The first year my dues were paid with the $2k+, the second year, pre-Dave I foot the bill. This year, the plan is to make this my last year active. I just feel so bad because this woman put her reputation on the line to get me in, she treats me like a daughter, so I feel obligated to do a few years.
It's really not too bad if it's plan, it's something else when it's not. One thing I realized is that I think, well know, I didn't join the right sorority. So next year, I plan on not going active.
Yes I've thought about taking the extra money out of the EF to get the CC down. But I think I'll use the the buffer in the checking.
Family vacation. Well I posted in another post that I'll sock this money away, but I doubt highly I'll be going and using the money for debt. I don't know it's a comfort/what if thing.
December 29th, 2017 at 01:43 pm 1514555038
December 29th, 2017 at 03:05 pm 1514559927
For example, during conversation, whenever eyes shift up and down, it's a progressive sign of thought, contemplation and focus. On the contrary, whenever eyes shift from left to right, it's a progressive sign of deception. Now, of course, this is by no means 100% accurate 100% of the time, rather, it is a baseline to dig deeper.
I think, if I am reading this correctly, you focus a great deal on what others think of you, your actions and your loyalty. Often times, these characteristics define who we are, which is again is usually healthy. However, when we make decisions so as to not hurt someone outside of physical harm or safety but detrimental to ourselves, it is a form of unhealthy self manipulation. SO subjects you to self manipulation through his sob stories and inability to get out of his own way, thus, dragging you around and around like a toy. In the same manner, maintaining an expense that brings no value to your life outside of a status claim at this current state only to "not hurt another's feelings" is equally debilitating.
A while ago I suggested cutting ties with negative, unhealthy "things". This might be a great time to consider this persons "feelings" versus your long term financial stability. Just a thought......
December 29th, 2017 at 03:58 pm 1514563088
December 29th, 2017 at 08:31 pm 1514579503