Debt Dumpers - 2013 - Page 5 - The DIS Discussion Forums

4HppyCamprs · 01-13-2013, 09:50 AM

Quote:

Originally Posted by lllovell

Check in your area and see if there are any used appliance stores. When our dryer died last time, we bought one there for $100. That was 4 years ago and still going strong. Good luck.

When our dryer died (a free dryer that came with the house) we bought one off Craigslist for $100.00 and it has worked great for 2 years and it is still going strong

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lady9 · 01-13-2013, 03:55 PM

We're in to dump the debt! We paid off a small CC this month so that felt really good. We'd like to be debt free except the house by August 2014 when DS goes to college. It should be doable although we are saving for 2 new vehicles so that takes away from paying toward debt, the van has 138,000 miles on it, and the car just turned 200,000 (It is a 2006 my DH drives to work an hour each way.) We will drive both until they fall apart and hope it isn't at the same time! I appreciate having a place to go to for encouragement and to encourage others.

pianokey · 01-13-2013, 04:51 PM

I think this thread could be helpful for encouraging each other.

I do not think we will be completely out of debt this year, but there are some goals we are hoping to achieve.

1. Pay off Gutter Guard - 800.00 left, hopefully paid off by March 2013
2. Pay off credit card - 2500.00 left, hopefully paid off by May 2013
3. Pay off windows - 5000.00 left, hopefully by May 2014
4. Pay off student loans - 10,000.00 left, hopefully by December 2014
5. Pay off car - I believe the payments are until 2018 at this point, but if the above all gets paid off, this can also be paid off sooner
6. Pay off mortgage - Currently scheduled to paid in full 2026

Thanks for letting me write this out and good luck to everyone in this thread for paying their debts off!

ilovemk76 · 01-13-2013, 05:10 PM

Good luck everybody.

Think of how nice it will be to have money to pay for Christmas, a vacation, an appliance, car, furniture or another large ticket item.

Once you are debt free, you will not panic when you hear about a layoff. You will know that you can make it on your unemployment until you get another job.

disneycrazi · 01-14-2013, 07:13 AM

As I packed lunch for work today I thought of how much I would rather have Panera for lunch.....then thought if I take my lunch the debt goes THEN I can have any food I want at Disney and feel darn good about it.....hey for me its the little things! Good luck to everyone this week!

BernardandMissBianca · 01-14-2013, 07:55 AM

Quote:

Originally Posted by disneycrazi

As I packed lunch for work today I thought of how much I would rather have Panera for lunch.....then thought if I take my lunch the debt goes THEN I can have any food I want at Disney and feel darn good about it.....hey for me its the little things! Good luck to everyone this week!

That's a great way to look at it!!

I'm doing something similar, but ours it traveling to Europe. Really expensive with 6 people but if we hadn't been paying CC's off, we would have been there already. Maybe even more than once.

disneycrazi · 01-14-2013, 08:23 AM

Quote:

Originally Posted by BernardandMissBianca

That's a great way to look at it!!

I'm doing something similar, but ours it traveling to Europe. Really expensive with 6 people but if we hadn't been paying CC's off, we would have been there already. Maybe even more than once.

Europe! Congrats! and I totaly get the CC thing...they are mean little buggers, but you are gonna do it!!!!

aclov · 01-14-2013, 09:03 AM

We're saving for a summer trip to Hawaii and having something to look forward to definately makes it worth it! It's also a good excuse not to shop or going out to eat and when your invited by friends to do something that involves spending money.

CluelessDisFan · 01-14-2013, 09:24 AM

We are buying a house. And paying off a $11k of debt!

2manypets · 01-14-2013, 09:47 AM

Just my luck. I got a nice snowball payment to the CC and then my DH's horse got a deep cut on his leg and had to have the vet look at it, then my MiL (who had a stroke recently) needed a new shower door with grab bars on it. DH paid for it, of couse. DD bought her books for her college courses (we were expecting this though) AND our rental house sprung a leak in the roof. UGHH!!!!

My snowball melted and I'm back where I started. Even more in debt than before! I've got to keep repeating Dory "Keep on swimming...keep on swimming"

danielle79 · 01-14-2013, 04:39 PM

We all have to keep swimming and then one day we all will be ahead of the dreaded debt monster! I know we all can do this

I recently got a new job and I am trying to decide if I need another job so I can debt dump a little faster! I was running some numbers for my next Disney vacation, hopefully Feb 2014 and I really hope I get a discount, rack rates for the 5 of us for 8 nights are $4200 just tickets and hotel!

HeyIt'sMe · 01-14-2013, 07:24 PM

2012 - Our goal was to pay off DH's computer, my car and a personal loan. We accomplished all three.

It felt really good!

2013 - Our goal is to pay off DH's car and the 70" TV we bought last year. Once those are paid off the only debt we'll have is our mortgage. I just hope our paid off cars will last us a while so we don't have to take on another car payment too soon!

Good luck to everyone working to dump their debt!!

*Flower* · 01-14-2013, 08:06 PM

We've been paying everything off that we could- our older vehicle is 11 years old and our newer one is 4 years old. The newer one just got paid off last month!!

All we have left now is the mortgage, and I'm hoping to have that paid off in May. I've been adding extra $$ to our monthly payment since we bought the house in 2000 (before the bubble grew and burst), and have turned our 30 year mortgage into a 13 year mortgage.
Of course we work in a volatile industry, so if the government has their way- we might be facing a layoff.
But we won't be out on the street....

danielle79 · 01-15-2013, 08:14 AM

Trying to keep us on track, I love it! I can't wait until I can start putting extra $ into our 30 year mortgage so we can have a 20 year or shorter mortgage! If we keep encouraging each other all year, I see a lot of debt dumping!!!!! It is already the 15th of this month, is everyone on track for January? I will let you know as the month progresses, I get paid kind of strangely so I will have a better idea in 2 weeks!

disfan07 · 01-15-2013, 06:18 PM

nevermind....

01-13-2013, 04:51 PM	#63
pianokey Earning My Ears Join Date: Jul 2011 Location: Greenville, SC Posts: 52	I think this thread could be helpful for encouraging each other. I do not think we will be completely out of debt this year, but there are some goals we are hoping to achieve. 1. Pay off Gutter Guard - 800.00 left, hopefully paid off by March 2013 2. Pay off credit card - 2500.00 left, hopefully paid off by May 2013 3. Pay off windows - 5000.00 left, hopefully by May 2014 4. Pay off student loans - 10,000.00 left, hopefully by December 2014 5. Pay off car - I believe the payments are until 2018 at this point, but if the above all gets paid off, this can also be paid off sooner 6. Pay off mortgage - Currently scheduled to paid in full 2026 Thanks for letting me write this out and good luck to everyone in this thread for paying their debts off! __________________ WDW - Honeymoon 09/10 - BCV WDW - 1st Anniversary 09/11 - BCV DCL - 2nd Anniversary 09/12 - Fantasy

01-14-2013, 07:13 AM	#65
disneycrazi watch your head and step as you disembark Join Date: Jan 2010 Location: Indy Posts: 246	As I packed lunch for work today I thought of how much I would rather have Panera for lunch.....then thought if I take my lunch the debt goes THEN I can have any food I want at Disney and feel darn good about it.....hey for me its the little things! Good luck to everyone this week! __________________ (2003 Day Trip) (2009 April All Star Movies) (2009 September Port Orleans Riverside) (2010 April Caribbean Beach) (2010 Sept Grand Gathering POFQ) (2011 Jan Contemporary) (2011 April All Star Music) (2011 July POP Century) (2012 January All Star Sports) (2012 Feb One More Disney Day Coronado Springs) (2012 Sept Animal Kingdom Jambo) (2013 March Old Key West) (2013 October Art Of Animation, Polynesian)

01-14-2013, 09:03 AM	#68
aclov DIS Veteran Join Date: Jan 2006 Location: Indiana Posts: 4,590	We're saving for a summer trip to Hawaii and having something to look forward to definately makes it worth it! It's also a good excuse not to shop or going out to eat and when your invited by friends to do something that involves spending money. __________________

01-14-2013, 09:24 AM	#69
CluelessDisFan Mouseketeer Join Date: May 2009 Location: Ohio Posts: 257	We are buying a house. And paying off a $11k of debt! __________________ Me & DH DS 8 DD 3 DD born 6/8/12 5/07 Off site 8/09 All-Star Sports Free Upgrade to Poly Resort! 9/11 POFQ 1/12 POFQ 4/13 POR 9/13 DLR off site

01-14-2013, 09:47 AM	#70
2manypets DIS Veteran Join Date: Jan 2005 Location: Tennessee Posts: 1,948	Just my luck. I got a nice snowball payment to the CC and then my DH's horse got a deep cut on his leg and had to have the vet look at it, then my MiL (who had a stroke recently) needed a new shower door with grab bars on it. DH paid for it, of couse. DD bought her books for her college courses (we were expecting this though) AND our rental house sprung a leak in the roof. UGHH!!!! My snowball melted and I'm back where I started. Even more in debt than before! I've got to keep repeating Dory "Keep on swimming...keep on swimming" __________________

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01-13-2013, 03:55 PM	#62
lady9 Mouseketeer Join Date: May 2006 Posts: 389	We're in to dump the debt! We paid off a small CC this month so that felt really good. We'd like to be debt free except the house by August 2014 when DS goes to college. It should be doable although we are saving for 2 new vehicles so that takes away from paying toward debt, the van has 138,000 miles on it, and the car just turned 200,000 (It is a 2006 my DH drives to work an hour each way.) We will drive both until they fall apart and hope it isn't at the same time! I appreciate having a place to go to for encouragement and to encourage others.

01-13-2013, 05:10 PM	#64
ilovemk76 DIS Veteran Join Date: Oct 2010 Posts: 2,635	Good luck everybody. Think of how nice it will be to have money to pay for Christmas, a vacation, an appliance, car, furniture or another large ticket item. Once you are debt free, you will not panic when you hear about a layoff. You will know that you can make it on your unemployment until you get another job.

01-14-2013, 04:39 PM	#71
danielle79 Dreaming of the Castle! Join Date: Jul 2010 Location: Eden, NY Posts: 227	We all have to keep swimming and then one day we all will be ahead of the dreaded debt monster! I know we all can do this I recently got a new job and I am trying to decide if I need another job so I can debt dump a little faster! I was running some numbers for my next Disney vacation, hopefully Feb 2014 and I really hope I get a discount, rack rates for the 5 of us for 8 nights are $4200 just tickets and hotel! __________________ ME DH DD15 DD9 DD7

01-14-2013, 07:24 PM	#72
HeyIt'sMe For Tag Fairy's Use only That weed whacker just intimidates me somethin' fierce! Join Date: Oct 2006 Location: Indiana Posts: 2,457	2012 - Our goal was to pay off DH's computer, my car and a personal loan. We accomplished all three. It felt really good! 2013 - Our goal is to pay off DH's car and the 70" TV we bought last year. Once those are paid off the only debt we'll have is our mortgage. I just hope our paid off cars will last us a while so we don't have to take on another car payment too soon! Good luck to everyone working to dump their debt!! __________________ Me DH DD (15) Nov '75~Contemporary / Jun '85~Offsite Oct '91~Polynesian / Oct '93 ~Polynesian / Sep '00~Polynesian / Oct '01~Polynesian / Sep '02~Polynesian Oct '03~Polynesian / Oct '04~Polynesian / Oct '06~Polynesian / Oct '08~Polynesian / Oct '10~Polynesian Oct '11~Polynesian / October '12~Polynesian

01-14-2013, 08:06 PM	#73
Flower Needs to Win the Lottery!! Join Date: Jan 2000 Location: Charleston, SC Posts: 3,765	We've been paying everything off that we could- our older vehicle is 11 years old and our newer one is 4 years old. The newer one just got paid off last month!! All we have left now is the mortgage, and I'm hoping to have that paid off in May. I've been adding extra $$ to our monthly payment since we bought the house in 2000 (before the bubble grew and burst), and have turned our 30 year mortgage into a 13 year mortgage. Of course we work in a volatile industry, so if the government has their way- we might be facing a layoff. But we won't be out on the street.... __________________

01-15-2013, 08:14 AM	#74
danielle79 Dreaming of the Castle! Join Date: Jul 2010 Location: Eden, NY Posts: 227	Trying to keep us on track, I love it! I can't wait until I can start putting extra $ into our 30 year mortgage so we can have a 20 year or shorter mortgage! If we keep encouraging each other all year, I see a lot of debt dumping!!!!! It is already the 15th of this month, is everyone on track for January? I will let you know as the month progresses, I get paid kind of strangely so I will have a better idea in 2 weeks! __________________ ME DH DD15 DD9 DD7

01-15-2013, 06:18 PM	#75
disfan07 DIS Veteran Join Date: Mar 2006 Posts: 3,137	nevermind.... __________________ All Star Sports (2007, 2008); All Star Music (2001); Caribbean Beach (1992, 1994, 1996, 1997, 1999); Coronado Springs (2004); Port Orleans French Quarter (2007); Port Orleans Riverside (2013); Wilderness Lodge (2006); Old Key West; and Beach Club Villas; Pop Century (2010, 2012) Last edited by disfan07; 01-15-2013 at 07:56 PM.

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