Yeah!!! Problem now is I’m in panic mode. I know it doesn’t make any sense because we are doing so much better money wise. When I get that last paycheck of the month there will be some left over after funding the BEF. Should I use that to start paying September’s bills that have already come in or should I use it toward our debt snowball? I’m leaning toward paying next month’s bills but know Dave would probably say that I’ve already budgeted those for September so I should pay it toward the snowball. Did anyone else go through this? Hope someone can give me some advice that will stop this panic. Thanks.
do debt validation letters to some small debts that were on my credit report (I believe all were small medical debts that weren’t a priority when DH wasn’t working) I want them off my credit report and to pay them if I owe them. Unfortunately, I don’t know what each of them are since they are with debt collectors – so I sent debt validation letters to all of them. I’ve received no response from two of them and one letter was returned as not a valid address.
Just wanted to touch base on what you all think would be the next step if they’re not responding? All three are still reporting them as delinquent (as recently as April) on my credit report. If I owe them, I want to pay them, and have the money set aside for them (they are the first in my debt snowball – and I feel really yucky about them until they are wiped out! Plus that money sitting there not going towards wiping them out is killing me!)
Do I dispute them all on the credit reports just to get them to respond? I feel weird doing that because I don’t know that I technically dispute them — but they’re obviously in touch with the credit bureaus so I’m wondering if that’s the only way to get a response?
Since your children are saving from the other part of their pay for their own futures, I would treat the percentage they pay you as regular income and do with whatever you’re doing with the rest of your income. Since you’re in emergency mode, pile it up for an emergency. When your husband finds work, you can take any surplus and make a big snowball payment.
but we had a few small bills that had large monthly payments and low balances we paid off so we would not have to deal with those companies as things got tighter later on. Our theory was it would be that many fewer angry creditor phone calls. But like I said they were large minimums due and low balances.
It was mess and is about 80% ready for work. I had stacks of paperwork to file. Got a lot of that done + take out cash advance online. I still need to get my work table clear.
I have spent this evening working my website. I got a few more products added and worked on my “about us” page. Website building is new to me so this is a challenge. My plan is spend time every day till it’s up to speed then just work as needed to update. The shopping cart is ready but I have a few kinks to work out on some things. It will come together with time.
If not, I’d keep that money for monthly bills. You’re in emergency mode right now. I wouldn’t worry about debt repayment as much as worrying about keeping money to cover the day to day stuff as well as the unexpected problems that crop up, especially in a home with children. Save it if there’s a surplus and when your husband is employed again, then worry about your debt repayment. btw, you have nice children.
My older 2 kids (16 and 17) are hoping to get jobs for the summer. They have volunteered to contribute 25% of their income to the household with the rest going to save for college tuition, missions, etc.
Regardless of the source, in general should I slot that money to pay monthly bills, or use it towards debt snowball? Right now, we are good, but by the end of summer, those little bits may add up to paying September’s month’s bills (about $1k a month.)
I’m just not sure which is the best course?
We’re fine, it was a LOOOONG night, I lost count how many times the local weather “saw rotation”, then the flash flood warnings rang our phones all night. I weather watched until nearly 2 am, before feeling secure enough to go to bed. We were back up and gone before 9 for our one day “staycation”. I’ll be writing a blog post on it, we had to change plans at the last minute due to the tornadoes and flooding. We just now got back home. Tom who is celebrating they are saying we aren’t suppose to have any more storms until mid week, because she needs some sleep in ok.
Can you even go to a homeless shelter and own a car? Honestly his father, her father and I are looking for them to help themselves. Come up with a plan on their own and make an attempt at successfully executing their plan. If they came to us and actually had a plan of going to a homeless shelter, or actually applying for section 8, or WIC etc, it would mean the survival part of their brain actually worked. Right now they are still too prideful, spoiled, privileged…
The monster we created unintentionally.
Many teams are very protective of their trademarks. Ds’s friend did a t-shirt that said “I carried the watermelon” and it was put on the website she used for sale. It is apparently from some movie and she was told to remove the item for sale or be sued for big bucks. She removed the t-shirt for sale. It’s strange how the copyrights go. I use cricuit cartridges for some of my cards and scrapbook pages. I can use those cartridges royalty free up to a certain number. HOWEVER, I can NOT use Disney and some other trademarked items for my sales. I can for personal use, but not to sell. Go figure.