tag:blogger.com,1999:blog-8465887551310827456.post5625795065544540687..comments2023-09-02T07:09:34.264-04:00Comments on Digging Out From Our Mess: The Financial Overview - part 2Mystihttp://www.blogger.com/profile/17496508600320205581noreply@blogger.comBlogger23125tag:blogger.com,1999:blog-8465887551310827456.post-3678915849930083012014-02-02T21:06:54.226-05:002014-02-02T21:06:54.226-05:00Mysti,
You have a lot on your plate. Having debt ...Mysti,<br />You have a lot on your plate. Having debt must make it even more stressful. I'm praying that your family will find relief soon (perhaps a good tax refund?) hang in there, there is a light at the end of the tunnel, and it sounds like you have a good view of what you have to do. I'll be cheering you on!!Sharonhttps://www.blogger.com/profile/13940623529019637336noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-15188178807566235912014-01-31T06:18:32.305-05:002014-01-31T06:18:32.305-05:00I am still trying to figure out what I want to do....I am still trying to figure out what I want to do. I am leaning toward event planning. But dream job.....I have absolutely no idea. <br /><br />I am not going to seek out another admin job. If I happen upon something that pays considerably more, then I will consider it. But I am not even looking in that area. Maybe it is because I have done this for 20 years, mostly for upper management, and all I have dealt with are egotistical a$$es. I am done with that.Mystihttps://www.blogger.com/profile/17496508600320205581noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-45083957833192743712014-01-30T23:01:51.387-05:002014-01-30T23:01:51.387-05:00I am curious as to what your primary goal is with ...I am curious as to what your primary goal is with regard to jobs. Do you want to work at something you enjoy no matter how little it might pay or are you interested in making a better wage? I have been in admin of one sort or another for 30+ years. My current incarnation is as the an office and CFO of a small consulting firm. Through the years, though, I have felt my job was to support and make my boss look good, and as long as he was paying me fairly for my time on the clock, I was okay with letting him take credit. If you are a pursue your passion and your dream jobs are difficult to find and pay very little at first, I hope you go forth and can be happy. I think what HS was getting at is that if you need to make a certain wage and do not want to go back to teaching, maybe applying for an admin type job that PAYS well is an avenue of consideration. Anonymoushttps://www.blogger.com/profile/14931393205543523483noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-53708312405917617432014-01-30T20:40:02.435-05:002014-01-30T20:40:02.435-05:00I don't know. But my car loan has a much lower...I don't know. But my car loan has a much lower interest rate so I wouldn't want to lose thatMystihttps://www.blogger.com/profile/17496508600320205581noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-31676659557119780212014-01-30T19:50:13.565-05:002014-01-30T19:50:13.565-05:00Question about the cu loans. Will they combine th...Question about the cu loans. Will they combine them? They did with mine last year and I wound up rolling the cc, roof and a personal loan into one loan. The interest was much cheaper and then I only had to worry about that payment. Not sure how that would work with the car loan though...guess I am not much help on the suggestion sideAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-19823450423948971222014-01-30T18:16:40.915-05:002014-01-30T18:16:40.915-05:00Girl - you've got this. Have faith, keep stro...Girl - you've got this. Have faith, keep strong, and time to do some booty kicking!Rhitter94https://www.blogger.com/profile/14730386238190105989noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-85583223191866019202014-01-30T15:09:02.197-05:002014-01-30T15:09:02.197-05:00Mysti, your life is like mine. 4 steps forward 2 ...Mysti, your life is like mine. 4 steps forward 2 back. All I can say is we have to keep plugging along. I hate just plugging along, I want to be rich, I want to go to New York, I want a new kitchen, I want new furniture, I want, I want, I want...........Out My windowhttps://www.blogger.com/profile/13456481267171643227noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-43087944714006361402014-01-30T14:55:51.689-05:002014-01-30T14:55:51.689-05:00Yep, the pipes are on an "inside" wall. ...Yep, the pipes are on an "inside" wall. The flooring is going to be vinyl "planks" that adhere to each other, and not the floor. We have it in our upstairs bathroom, and it has held up great (even with overflow toliets and showers!). <br /><br />SOMEDAY....we want to redo the floor in the kitchen (sheet vinyl that is 20+ years old) and whatever we pick will get carried into the bathroom. But that project isn't even on our radar....that is the "dream" project for the day we can redo the kitchen. If I had to guess...that is 10 years away!! So we don't even think about it. LOLMystihttps://www.blogger.com/profile/17496508600320205581noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-64049848592999880772014-01-30T14:35:58.933-05:002014-01-30T14:35:58.933-05:00Glad to here the walls where the pipes are aren...Glad to here the walls where the pipes are aren't affected by your bathroom heating issue. I'd suggest vinyl sheeting instead of vinyl tiles to replace the flooring that is broken. It would probably be the most durable for a lower price point than ceramic tile, which would make the cold floor issue worse. Sheeting floor might avoid the buckled issue in the future too.<br />Not many non-porous choices out there.slugmamahttps://www.blogger.com/profile/12728856166374248591noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-28288301764963670642014-01-30T13:14:09.010-05:002014-01-30T13:14:09.010-05:00This bathroom was a butler's pantry way back w...This bathroom was a butler's pantry way back when, and was converted to a powder room at some point. The floor is over the bilco door to the basement, so it gets very cold. With the door open to the bathroom (unless in use!), the heat from the house (since it is off the kitchen), keeps the pipes from freezing. But the floor is COLD.<br /><br />Our son.....TMI....has some "gastric" issues and has overflowed the toliet several times. The water seeped between the tiles, and over time the adhesive came loose, so the tiles shifted, and once they got cold, and you stepped on them....<br /><br />The bathroom is so small that the heat really isn't a huge issue. We aren't using the same type of floor this time. But you are right...sometimes there is an underlying problem that needs to be corrected.Mystihttps://www.blogger.com/profile/17496508600320205581noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-25928572472315947582014-01-30T13:00:16.482-05:002014-01-30T13:00:16.482-05:00You have no heat in your bathroom? That seems odd...You have no heat in your bathroom? That seems odd and sort of a recipe for potential disaster w/all the water pipes in there. Maybe you might want to think about having an electric baseboard heat put in that room. In the longer run it might help with your tile floor issue too, since replacing the floor but not correcting the heat issue will just lead to having to replace the floor again down the road, if you are still in this house when that time comes. Just a thought....not like you NEED another expense, but even so....slugmamahttps://www.blogger.com/profile/12728856166374248591noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-21670354756684000222014-01-30T11:58:24.666-05:002014-01-30T11:58:24.666-05:00That's a fair statement. We tend to have some...That's a fair statement. We tend to have some good progress, and then something happens to derail it. I have been told by my therapist that our family does have a higher than average number of things happen!<br /><br />Our cars are probably at the top of the list of things that derail the plan!!!Mystihttps://www.blogger.com/profile/17496508600320205581noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-16929777914813040842014-01-30T11:52:28.416-05:002014-01-30T11:52:28.416-05:00Hi Mysti. Just a general comment. It always seems ...Hi Mysti. Just a general comment. It always seems like ya'll are always just treading water. But that's why I come back. I want to know how the story unfolds. best of luck.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-2005359164398067562014-01-30T11:37:08.989-05:002014-01-30T11:37:08.989-05:00The longer you stay...the harder it is to get out....The longer you stay...the harder it is to get out. I am already feeling it. I posted my resume on some of the larger sites, and have been contacted to be a glorified copy girl as a temp, to work for Aflac as an admin, and something else. Not interested.Mystihttps://www.blogger.com/profile/17496508600320205581noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-87619871354221606462014-01-30T11:35:20.161-05:002014-01-30T11:35:20.161-05:00Always good to see different calculators....thanks...Always good to see different calculators....thanks!Mystihttps://www.blogger.com/profile/17496508600320205581noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-19206654195271078302014-01-30T11:02:45.664-05:002014-01-30T11:02:45.664-05:00It's good to look at numbers... whether they&#...It's good to look at numbers... whether they're good or bad. I think setting the plan and looking forward definitely makes a difference vs just paying without a "deadline". I've heard you talk about the calculator you mentioned. May I recommend another one? It's by Vertex: http://www.vertex42.com/Calculators/debt-reduction-calculator.html <br /><br />This was the original calculator I used, and though I don't use it full time anymore because I ended creating my own based on this original format, it's great for lining things up and strictly doing snowballing and comparing orders (avalanche, smallest to biggest, your own order of paying debt, etc). Worth a look, and of course, it's FREE! Taniahttps://www.blogger.com/profile/11075300256482920618noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-25030611574761730632014-01-30T10:39:21.487-05:002014-01-30T10:39:21.487-05:00I know!! I meant just try to increase the income f...I know!! I meant just try to increase the income for now... HS @ Our Debt Bloghttps://www.blogger.com/profile/15832696189497002591noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-61712991981996127642014-01-30T09:53:07.898-05:002014-01-30T09:53:07.898-05:00See...and here in lies part of my problem. I have...See...and here in lies part of my problem. I have done Admin for 20 years...and I am DAMN good at it. But I don't want to do this....I have spent 20 years making other people look good...having them take my ideas as their own....and being looked down upon as a "lesser" employee. No thanks. I would like a job that is MINE, not just there to help everyone else.Mystihttps://www.blogger.com/profile/17496508600320205581noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-73742484668968301882014-01-30T09:51:06.724-05:002014-01-30T09:51:06.724-05:00It is a Toyota Camry....not a high end car. Blue ...It is a Toyota Camry....not a high end car. Blue Book value for the car was over $5,000. We looked at several cars in this price range....and they were junk. I did NOT want a car this old, but in trying to keep the payment as low as possible, we couldn't go over $6,000, and there weren't many choices.<br /><br />Feeding tube: He got it when he was 5 months old, and he is now going on 12. I wouldn't say he will have it forever, but it isn't going away anytime soon. He does eat orally, but we still have to supplement him. He isn't gaining weight, so we are now going from 1000 calories by tube to 1500 calories by tube, plus what he orally eats. As I have said....this bill is just part of our life...it will never go away as long as he has a tube.<br /><br />I graduated with my BS in 1996, and my Master's in 2002. My parents did not help me for my undergrad, and they got me horrible student loan rates (10%!!!!, and I couldn't consolidate those per the terms of the loan). And yes, I have done the math on the interest. :( But for now, this is how it is. I wish I knew more about this years ago when I first graduated. I have already paid 20k+ for my undergrad degree. This loan is just graduate school.Mystihttps://www.blogger.com/profile/17496508600320205581noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-4580024198094379372014-01-30T09:31:18.095-05:002014-01-30T09:31:18.095-05:00Like I said, apply for anything, my MIL is a Admin...Like I said, apply for anything, my MIL is a Administrative Assistant with a big corporation and she makes 85,000... bonuses and insurance included.<br /><br />HSHS @ Our Debt Bloghttps://www.blogger.com/profile/15832696189497002591noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-76868108934717271562014-01-30T09:24:10.081-05:002014-01-30T09:24:10.081-05:00I was wondering how a 2001 car could still be wort...I was wondering how a 2001 car could still be worth $6000 in 2013. Was it a high end vehicle? Hopefully you don't start having major repairs before it is paid off. <br /><br />Will your son be on a feeding tube forever? Does he swallow food at all? I think it is horrible that you have to pay a dime for this. It should be 100% covered.<br /><br />Lastly, did you graduate in 1997?? Have you done the math to see how much interest you have paid since then? Glad I went to college and had like $3000 to pay back(in 1995). Guess it is good that they give people 20+ years to pay it off but still....the interest yikes!!Theresahttps://www.blogger.com/profile/00948148571415167380noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-82198043899016203212014-01-30T08:43:03.099-05:002014-01-30T08:43:03.099-05:00Yeah, it is done...until it comes back. I will ha...Yeah, it is done...until it comes back. I will have a dental visit in the near future;G-man will in May, and then again in Sept/Oct (he goes every 4 months). FSA will probably be gone by then, so then we have a bill again. We save separately for medical for the stuff after FSA runs out, but depending on how the year goes will depend if we can pay the bill in full....so it may still have a balance.<br /><br />As for my education....I totally agree that I can make more money with a Master's. It is just figuring out how to do that, since I will not be going back to the classroom. In CT, options are limited....there isn't anything here!!!<br />Mystihttps://www.blogger.com/profile/17496508600320205581noreply@blogger.comtag:blogger.com,1999:blog-8465887551310827456.post-53464349739143729282014-01-30T08:19:58.672-05:002014-01-30T08:19:58.672-05:00I think pay off the medical with that extra cash a...I think pay off the medical with that extra cash and be done w. that! 1 less payment per month.<br /><br />I love that you have a graduate degree, my parents keep pushing for me to get one but I'm like mom I don't want the debt!! She think I could make 150k with one but I just don't see it happening in my field. <br /><br />You need to put your education to good use I think you can make way more money!! Keep looking for a job, apply for something at the top fortune 500 companies!!! Yup, send in 500 applications.<br /><br />HSHS @ Our Debt Bloghttps://www.blogger.com/profile/15832696189497002591noreply@blogger.com