@kobe2012 wrote:
@sailor_mercury wrote:
@kobe2012 wrote:I will try... it's just my gf and I do fine dining at least 3-4 times a week... it would suck if I won't be able to take her out as often..
I totally understand. My BF and I have had to do the same thing for different reasons. We would eat out at high end resturaunts prob 4x or more a week, sometimes more. It wasn't unusual to have a $150-$300 dinner bill and I don't even drink!
I had to tell the BF we had to cut it out because I was on medication and needed to stick to a really strict diet. He was sad because it's something he really enjoyed and it's something we enjoyed together. But we've adjusted we go out maybe 2-3 times a month now and we both like it so much more! Now going out is special not routine. We can really appreciate the flavor and execution of our meals and not think..... MMMMMMMM last night's was better. We've become very creative in our cooking at home, we like going to the grocery store armed with a list and maybe throwing in something special. We even LOVE grilled cheese and tomato soup night (Monday's) and we love doing our own Taco Tuesday. It's great to learn to cook gourmet meals for each other and to even spend time in the kitchen preparing food together.
I'm sure she will understand and will even enjoy spending time in the kitchen with you.
I only wished I knew how to cooked! maybe it's the reason why we eat out a lot... I do love her cooking but our work schedule right now just won't do it... I will try your suggestion though and see if it works out.. I actually would love to just stay home and make food.. I guess I really need to google some recipes and try to cook!..
That's actually a really great suggestion. Also, the practice of cooking together could become a really awesome way to spend time together.
When I started working outside the house, I set aside one day (one of my days off) to do prep. That way, when I want to cook before going to work (I work 2-10), I don't have to spend a lot of time getting things together. I cut up veggies, etc and put them in food storage containers in the fridge and pull out each day 
Hope that helps
In the garden until debt is paid off and scores are up!
@kobe2012 wrote:
@Pupeitmeister wrote:
Let me make this a bit easier to put together.. :1. CHEVRON: 100/5000 25.99%2. WALMART: 3700/8000 23%
2. GAP: 2300/5000 23%
2. CSP: 4800/5000 23%
3. CAPONE: 2000/2500 21.99%
4. DISCOVER: 1600/1900 20.99%
5. CAPONE : 3200/4000 19.99%
6. MARRIOTT: 4500/5000 15.99%
7. AMEX: 150/1000 15.99%
8. SLATE: 2000/3000 0% interest til JUNE 2014, 23.99% after
9. BARCLAY: 3600/4000 0% interest til JULY 2014, 23.99% after
10. CITI: 1700/2000 0% til JULY 2014, 12.99% after
11. CU LOAN: 4600/5000 No Data, more than likely 16% ish ... this is not a revolving account.. pay as agreed on it, its good for your credit mix at this time.. along with your car loan.
my CU loan is only 9.9%.. sorry I missed that... it's a 60 month term loan. $100 a month
Pay off Amex and Chevron first. Amex doesn't seem to like balances, and it's a smaller one so it's good to get the ball rolling. Chevron is your highest interest. You're not going to be worried about credit score for a while, if I had to guess, so I'd say make sure that you don't go over limits, but pay highest interest to lowest. For the moment, it'd be
Walmart=Gap=CSP (I personally would put priority on Chase, but that's a matter or preference)
By the time you've paid those off, you'll probably be paying interest on your 0% until cards, so I'd say Barclay and Slate next.
Then Cap1, Discover, your other Cap1 and so on.
The more cards you pay off, the higher payment you'll be able to make on the card you're focussing your efforts upon. You can conquer this. I have faith in you!
for some odd reason, I wanna pay off all of my chase cards first, I guess I really wanna be in good standing with them more than any lender... but, I think the best plan for me is to pay off the lowest balances first and work my way up... OR start from the highest interest rate... I don't know I still have a lot of thinkin and calculating to do..
Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
@kobe2012 wrote:
@Pupeitmeister wrote:So it gave me the 20k character error..
Here is the deal..
Life is simple.. Credit is a bunch of math.. there is nothing complicated about it. Just plug in the numbers, and whittle away at the block.. sooner or later you will have a beautiful statuette to place on the mantle (metephorically speaking)
Best of luck Kobe..
If you need any additional advice on which way to go, pop into the payoff thread, or kick me a PM.. I will be happy to give you my opinion, as many have done for me.. Some of it is worth it, some is not.. Only you can decide which is best for you.
Pup.
Thanks... will join that payoff challenge soon once I get everything together... and yes credit is a bunch of math, AND a huge headache... sometimes I wished I should have never even tried to fix it... =/
NFCU nCashRewards VISA - $20,000 | NFCU nRewards $10,000
@sailor_mercury wrote:
@kobe2012 wrote:
@Pupeitmeister wrote:So it gave me the 20k character error..
Here is the deal..
Life is simple.. Credit is a bunch of math.. there is nothing complicated about it. Just plug in the numbers, and whittle away at the block.. sooner or later you will have a beautiful statuette to place on the mantle (metephorically speaking)
Best of luck Kobe..
If you need any additional advice on which way to go, pop into the payoff thread, or kick me a PM.. I will be happy to give you my opinion, as many have done for me.. Some of it is worth it, some is not.. Only you can decide which is best for you.
Pup.
Thanks... will join that payoff challenge soon once I get everything together... and yes credit is a bunch of math, AND a huge headache... sometimes I wished I should have never even tried to fix it... =/
lol... i used ot love math.... until it stopped loving me
@kobe2012 wrote:
@subwaysandwich wrote:
file for bankruptcy.gf would kill me!
NO you can do this seriously right now Im working for these banks(IM A SLAVE SUCKS) right now I did get my hours cut back and only getting about $700 monthly and with the help of my family we are going thru this successfully, SLOWLY but BK isnt even mentioned as a joke, because like you said we got ourselfs in this mess and WILL GET OUT OF IT.
Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
@BearsAndTurtlesRtheBest wrote:
@kobe2012 wrote:
@subwaysandwich wrote:
file for bankruptcy.gf would kill me!
NO you can do this seriously right now Im working for these banks(IM A SLAVE SUCKS) right now I did get my hours cut back and only getting about $700 monthly and with the help of my family we are going thru this successfully, SLOWLY but BK isnt even mentioned as a joke, because like you said we got ourselfs in this mess and WILL GET OUT OF IT.
Sorry to hear ... and yea, BK is not an option...