The thing that worked for us best was the many accts we have..a savings acct, a bill
acct for monthly bills, a clothing acct, a bday/holiday acct, a house remodel acct
(which we don't need anymore), a daycare acct and a misc household acct (hot tub
chemicals, oil chgs in cars, new vaccuum, etc). We have our checks direct deposit to
the bank and the bank divvy's it up between accts according to what we request. The
main acct is our groceries and living expenses. I find you spend less if you have to
transfer $ around.
This student loan was from my undergraduate degree but we paid what they told us to.
Now we've been lump summing whenever we can and it's gone! Woohoo! Kim M
----- Original Message -----
From: Lisa O'Fallon
To: wm
Sent: Thursday, August 26, 2004 9:09 AM
Subject: [wm] Re: Ack!!!!!
Oh man - I would love to pay off my student loans. I have 4 years left. I love
getting those "consolidation" notices. How I can lower my payment by half! Of course
- then I'll be paying for 15 more years instead of just 4! lol I need to get Michael
to stop BUYING vehicles so I can work at getting things paid off! :) My problem is
one hell of a budget - but no sticking power. I'm working on it though...
Lisa
Kim McClafferty <[EMAIL PROTECTED]> wrote:
Well, we got lucky with our first house..bought it for a song and remodelled cheap
which gave us some nice equity..that and dh is very skilled in building! lol The plan
we have now is tough but I finally paid off my student loan...several yrs early! That
happened this week...now to tackle the vehicles..lol. Kim M
----- Original Message -----
From: Lisa O'Fallon
To: wm
Sent: Wednesday, August 25, 2004 4:23 PM
Subject: [wm] Re: Ack!!!!!
Sounds exciting either way! lol I would LOVE to be looking at an end to debt.
With Michael in school it's next to impossible. Do you know how hard it is to budget
when he gets more then 2/3 of his salary in one lump sum...at the end of August? Ugh
- we're sooo incredibly tight right now. I just keep hoping for that check sometime
this week so we can eat! lol
Lisa
Kim McClafferty <[EMAIL PROTECTED]> wrote:
Saw the land..and the realtor lady sent someone else because of something that
came up for her. It was her daughter..also in the biz...but she was very friendly and
didn't seem like quite the ditz. Only bad thing is she couldn't really answer some of
our questions so she wrote them down. Now some of them I don't think her mom will be
able to answer either without some research but at least by the kinds of questions we
asked, she'll realize we're serious.
Long story short...damn..I really like it. It's so quiet...where the house
would go would actually give us a lot of privacy. There is a small seasonal creek the
flows in the bottom part of the land. The land itself is fairly square too...I had
thought it kind of rectangular. The "barn" is a pole-built steel building. Inside is
going to be a bitch to clean cuz they actively use it as a barn...maybe they'll clean
it? lol I don't want to say I'm in love with it cuz I'm afraid it won't happen. We
figured a way to take a loan out for the land AND pay off one vehicle right away. Jas
is going to run numbers in different scenarios. If we do buy the land and end up
paying close to the asking price, we'd have to put off building for another
year..that's 3 yrs away. Might be a good thing considering our plans for another bb.
We plan to try next year in August hopefully for a late spring time 2006 bb. So if we
build in 2 yrs..I'd be dealing with a bb while he's trying to build. !
If we wait for a year, the bb would be 1, Konor 5 and Kaidy 7....seems a bit better??
Probably would be.
I don't know why I worry....nothing can happen until we get the land and if we
don't get the land, the 2 yr to complete debt free is still on-going. I'll keep you
updated on the SAGA! hehe The gal should probably call us tonight with some answers to
our questions and depending on those answers, we'll officially probably make an offer.
Wish us luck! Kim M
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