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kokopop
 Post subject: Debt Free!!!
PostPosted: Mon Mar 02, 2009 7:29 pm 
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Location: Dumont, NJ
:D

Paid off the last $4K of the school loan tonight!! Only thing left to pay is the mortgage. Only 24 more years on that!

Time to start saving for a X to put in the driveway!!!

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XterraPA
 Post subject:
PostPosted: Mon Mar 02, 2009 7:36 pm 
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Location: Philadelphia, PA
Great news Keith! Congrats!

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Bass4Runner
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PostPosted: Mon Mar 02, 2009 8:07 pm 
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Location: Middletown R.I.
Congrats :thumbup:

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O1SalsaX
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PostPosted: Mon Mar 02, 2009 8:14 pm 
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Location: York, PA (Formerly Long Island, NY)
Congrats!!
That's a huge accomplishment especially with the current economy

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mainechick
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PostPosted: Mon Mar 02, 2009 9:10 pm 
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Location: Lake Luzerne, NY
Congrats!!

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RIXterra
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PostPosted: Mon Mar 02, 2009 10:21 pm 
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Location: Bristol,RI
Congrats man..

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Inurteeth2
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PostPosted: Tue Mar 03, 2009 9:12 am 
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Nice Man... i just got my School Bill in.... $29,563... :mad:

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MtDewMike
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PostPosted: Tue Mar 03, 2009 6:25 pm 
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That's definitely a huge weight off your shoulders, Keith. Good for you.

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kokopop
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PostPosted: Tue Mar 03, 2009 7:55 pm 
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Location: Dumont, NJ
We stopped using the Credit Cards about a year ago and did a budget. Wow what a difference. Christmas came and we had plenty saved for gifts. Reduced my stress dramatically.

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DaveP
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PostPosted: Fri Mar 06, 2009 2:50 pm 
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Congrats Keith!!!

Be seeing you behind the Wheel of an X in no time

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dmpmfd
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PostPosted: Fri Mar 06, 2009 7:54 pm 
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kokopop wrote:
... did a budget. Wow what a difference. Christmas came and we had plenty saved for gifts.

One thing to think of is to open a savings account with the minimum balance to not incur a service charge. Set up a payroll direct deposit for a set amount ($40 or better) and in a year you'll have about $1000 if on a bi-weekly payroll (26 pays). This is the best option when saving for XMAS that I have found, too bad the major banks don't have XMAS clubs anymore. :roll: JPMC laughed when we told them we still had them in our retail banking sector. :lol:

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kokopop
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PostPosted: Fri Mar 06, 2009 8:01 pm 
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dmpmfd wrote:
kokopop wrote:
... did a budget. Wow what a difference. Christmas came and we had plenty saved for gifts.

One thing to think of is to open a savings account with the minimum balance to not incur a service charge. Set up a payroll direct deposit for a set amount ($40 or better) and in a year you'll have about $1000 if on a bi-weekly payroll (26 pays). This is the best option when saving for XMAS that I have found, too bad the major banks don't have XMAS clubs anymore. :roll: JPMC laughed when we told them we still had them in our retail banking sector. :lol:


I am even more anal then that. call it the engineer in my. I have a nice emergency fund, plus I have a savings account with my Vacation fund, Gift Fund, Insurance fund, etc... All semi-annual occurencess. I have a nice tracking system I put together in Excel.

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