Garden Club - October 2014

[MsLadyRover]

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@tcbofade wrote:

So, ummm, is it January yet?

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What happens in January?

[Imperfectfuture]

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@MsLadyRover wrote:

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@tcbofade wrote:

So, ummm, is it January yet?

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What happens in January?

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Several of us (okay, just a few) will have clean reports across the board.  In my case, only TU will have a few old small medical collections, the rest will be clean.  Experian is already clean.  Waiting to pull the scores for tu and ex till next month.

[tcbofade]

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@MsLadyRover wrote:

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@tcbofade wrote:

So, ummm, is it January yet?

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What happens in January?

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Step One:  DW refi's existing mortgage to 80% LTV, pays off existing mortgage and $40k+ in CC debt.

Step Two: I take a Heloc against the remaining 20% and pay off another $40k+ in CC debt.

Step Three:  Credit card shredding party!

Step Four:  Tell one boss or the other, "Bye". 

[tcbofade]

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@Imperfectfuture wrote:

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@MsLadyRover wrote:

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@tcbofade wrote:

So, ummm, is it January yet?

---

What happens in January?

---

Several of us (okay, just a few) will have clean reports across the board.  In my case, only TU will have a few old small medical collections, the rest will be clean.  Experian is already clean.  Waiting to pull the scores for tu and ex till next month.

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Mine are already clean.  DW's are clean, too.  Just some high util on CC's holding down scores....

[MsLadyRover]

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@Imperfectfuture wrote:

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@MsLadyRover wrote:

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@tcbofade wrote:

So, ummm, is it January yet?

---

What happens in January?

---

Several of us (okay, just a few) will have clean reports across the board.  In my case, only TU will have a few old small medical collections, the rest will be clean.  Experian is already clean.  Waiting to pull the scores for tu and ex till next month.

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That's awesome!

[MsLadyRover]

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@tcbofade wrote:

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@MsLadyRover wrote:

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@tcbofade wrote:

So, ummm, is it January yet?

---

What happens in January?

---

Step One:  DW refi's existing mortgage to 80% LTV, pays off existing mortgage and $40k+ in CC debt.

Step Two: I take a Heloc against the remaining 20% and pay off another $40k+ in CC debt.

Step Three:  Credit card shredding party!

Step Four:  Tell one boss or the other, "Bye". 

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That's awesome too.

There will be some January celebrating going on!

[coldnmn]

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@tcbofade wrote:

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@MsLadyRover wrote:

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@tcbofade wrote:

So, ummm, is it January yet?

---

What happens in January?

---

Step One:  DW refi's existing mortgage to 80% LTV, pays off existing mortgage and $40k+ in CC debt.

Step Two: I take a Heloc against the remaining 20% and pay off another $40k+ in CC debt.

Step Three:  Credit card shredding party!

Step Four:  Tell one boss or the other, "Bye". 

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Step Five: more free time to pick on poor old cold!  Noooo!

[coldnmn]

Good night gang!

[tcbofade]

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@coldnmn wrote:

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@tcbofade wrote:

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@MsLadyRover wrote:

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@tcbofade wrote:

So, ummm, is it January yet?

---

What happens in January?

---

Step One:  DW refi's existing mortgage to 80% LTV, pays off existing mortgage and $40k+ in CC debt.

Step Two: I take a Heloc against the remaining 20% and pay off another $40k+ in CC debt.

Step Three:  Credit card shredding party!

Step Four:  Tell one boss or the other, "Bye". 

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Step Five: more free time to pick on poor old cold!  Noooo!

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You said it, I didn't. 

When are you coming by to mow my yard?

[MsLadyRover]

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@coldnmn wrote:

Good night gang!

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Night Night! Enjoy your evening.