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They like me!..They really really like me!!

Creditplz
Valued Contributor

Re: They like me!..They really really like me!!

Congrats! Who did they Pull?.
Message 11 of 16
nevertooldtolearn
Frequent Contributor

Re: They like me!..They really really like me!!

Thank You! For the CC they pulled EX and dealership pulled EQ

"Your past is the doorway to your future"

Dad's words of wisdom

Message 12 of 16
One7
Valued Contributor

Re: They like me!..They really really like me!!

Congratulations very nice

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Hyatt VS 25k | Ritz VI 5k | Frdm VS 6k | CSP VS 5k | Mariott VS 6k | Amzn VS 16k Citi ExecAA WEMC 18k | TYP VS 7k | Costco VS 9k | Hilton Reserve VS 6k | Best Buy Visa 5k BofA Travel VS 30k | Cash VS 41k | Merrill+ VS 46k Barclay Rwds WMC 6k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex Plat: NPSL | BCP 8k | SPG 3k WF Rwds VS 9k | Propel World Amex 25k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k | Saks WEMC 9k NASA 30k Discover It 7k | US Bank Cash+ VS 15k | Flex Perks VS 20k ||| Total Rwds VS 12k | SG Rwds 11k | Walmrt MC 8k | Lowes 17k | Bowflex 9k | J Deere 15k | TJ Max 4k | Care 15k | HDepot 20k | Amzn 5k | PPal Extras 8k | Chvron 10k | Macys 15k | JCrew 18k | Marvel 8k | Stash VS 8k | Cabelas 10k | Statefarm 12k | Nordstrom Visa 10k \\\\Gardening since January////
Message 13 of 16
Anusara
Senior Contributor

Re: They like me!..They really really like me!!

Congrats on your successes!!!
Gardening since 10/01/18 Gardenversary 10/01/20 Score: xx/xx/xx EQ xxx TU xxx EXP xxx
Current Score: 781
Goal Score: 800
Take the myFICO Fitness Challenge
Message 14 of 16
NewAddiction
Valued Member

Re: They like me!..They really really like me!!

Great Job !!    I have to admit that my heart sunk a little when you said you took money out of savings but I understand why you did it and hopefully now with lower credit card payments you can start rebuilding that account.   I have always just hated seeing people spend their savings ,...   these days it's so very hard to have that nest egg and protect it.    

 

Excited that your son was on board with you and kept to budget for mutal goals.   Great Teamwork !!

Message 15 of 16
nevertooldtolearn
Frequent Contributor

Re: They like me!..They really really like me!!

Thank You!!

 

It was a very difficult decision but after I sat down and ran the numbers it just made sense...I would have been paying a lot more in interest if I took 25 months to pay down.

 

I have now begun "operation pay-down" phase two:

 

Pay myself (savings) 500.00 per month

 

applied the "free" 2k  money this month (from no car payment or mortgage due) to highest balance CC (7.1k on 10k CL)

 

today (bill paying day) paid off 5 CCs using "snowball" method 1.8k

 

applied the extra $125 & $75 (monthly refi savings & car insurance savings) to same highest CC (will keep doing that until under 20% bal)

 

and I doubled every CC payment from just paying $10-30 over min

 

also if any of my creditors want to honor me with a CLI (no matter how small...) I will accept with gratitude..lol

 

I am hoping that by the end of July I can have every CC under 29% by paying down balances... but I'm not going to beat myself up if I don't Smiley Happy

 

that's as far as I got for now...I promised son that each payday (I have one) we could "splurge" and have dinner out (as long as we didn't go over $30 Smiley Happy )

 

 

 

 

 

"Your past is the doorway to your future"

Dad's words of wisdom

Message 16 of 16
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