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  1. March 19th, 2011 #1
    kingcleophus
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    I'm Randy (or kingcleophus)

    ..........
    Last edited by kingcleophus; December 8th, 2011 at 04:03 AM.
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  2. March 23rd, 2011 #2
    Debtonate
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    Thanks Randy and great going! Every account paid off is like a load off the chest.
    Bhawna is a Debt Expert and is inspired by so many determined to becoming debt-free.
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  3. April 14th, 2011 #3
    mwflutterby
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    amen to that!

    I'm still settling in to debt goal, working the plan, seeing it working. After the 19th of this month I'll either be incredibly better off or still dedicated to slogging my way through. Getting a little nervous...we've applied for refinancing on the house that will save us $440.00 mo if it passes appraisal. (was 340.00 but they want to absorb one cc that will save me another 100.00). I so want this! Prayers appreciated!
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  4. April 14th, 2011 #4
    ThriftyMan
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    Quote Originally Posted by mwflutterby View Post
    I'm still settling in to debt goal, working the plan, seeing it working. After the 19th of this month I'll either be incredibly better off or still dedicated to slogging my way through. Getting a little nervous...we've applied for refinancing on the house that will save us $440.00 mo if it passes appraisal. (was 340.00 but they want to absorb one cc that will save me another 100.00). I so want this! Prayers appreciated!
    mwflutterby--good luck on your mortgage refi. We're all really pulling fo ryou. Pls LMK if we can help...we talked about a recommendation. Pls LMK if it would be useful. I'm happy to do.

    Good luck! Let us know how it goes!
    Scott started SavvyMoney because he passionately believes that life is better without debt. Since everyone should have a superhero name, Scott decided that ThriftyMan pretty well described his mission to save the world. Scott used to market credit cards, but now dedicates himself to people out of debt.
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  5. April 14th, 2011 #5
    darren.hanson
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    Good luck! Just think how much faster you'll be able to pay off your other debts with an extra $440!

    Keep us posted on what happens.
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  6. April 22nd, 2011 #6
    mwflutterby
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    update

    Just a quick hi and keep those prayers coming Postponed the appraisal for one week... a definite go for the 27th of April... results by the 29th! Thanks for the support!
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  7. April 28th, 2011 #7
    mwflutterby
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    one mission accomplished

    hey, cheerleaders! had the appraisal yesterday...will know the results on Monday. one doesn't know what a load of stress we're carrying until some of it is lifted! just getting through the appraisal (and all the work of preparation) is big! can't imagine how i'll sleep if the refi goes as well! stay tuned...more on Monday! THANKS FOR ALL YOUR SUPPORT!
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  8. April 28th, 2011 #8
    ThriftyMan
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    mary

    Good luck!! I'm really excited for you. Lowering that payment will free up a lot of cash to help you out. Let us know on Monday how it goes.
    Scott started SavvyMoney because he passionately believes that life is better without debt. Since everyone should have a superhero name, Scott decided that ThriftyMan pretty well described his mission to save the world. Scott used to market credit cards, but now dedicates himself to people out of debt.
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  9. April 28th, 2011 #9
    darren.hanson
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    Good luck! We're here rooting for you!
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  10. May 3rd, 2011 #10
    mwflutterby
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    timing is everything...

    Hey Scott n Darren,
    Thanks so much for your good wishes! Unfortunately...blah blah blah...yep, it's not going to work. One more #500.00 lesson on the shelf. On the bright side, I now understand enough about loan to value/debt to income/bringing money to the table at closing that I can be realistic about the rejection. One lesson I haven't learned, obviously, is to listen to my head. I applied for the refi when I received an invitation letter from the company who "couldn't do it" in January. I made myself believe that the addition we completed would be enough to make the difference but it wasn't. Our next project focuses on the kitchen and bath which will make an appreciable difference. However, the REAL difference lies in PAYING IT DOWN = this lesson I do have intact and tucked away. Though bruised, I am not defeated. The sun will rise tomorrow and Roy and I will enjoy another day of life with all the abundance around us. Thank you, Jesus, for your provision and strength. We will get there...right after we pay the piper.
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