@Pupeitmeister wrote:
Thanks for the links guys.
Kobe this is fixable. Nothing but a lesson relearned. Come check out the payoff thread, post your interest rates with your cards so we can figure out a plan of attack.
If you can commit to more than 1k, then let us know that too
One rule of thumb i have. Keep 1000 bucks cash available for oh crap fund. You dont want to put a new set of brakes on a card you are trying to pay off
This is what I was thinking.. I wanna be able to have little money saved "just in case"..
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: 646To top it off, my credit score took a big hit!... I think it's around 640 now on all three...
@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!..
Don't be afraid to start simple. Like I said, grilled cheese and canned soup 
Try it with sourdough and add tomatoes to the sandwich before you grill it. You can also do a great salad with it. 80% of cooking is prep and chopping. Back in college I started with items called 20 min meals but gave myself 45 mins to do them. Once you get some basic kitchen skills try different flavors. If something calls for some diced garlic try shallots (an onion garlic hybrid) or if something calls for onions try a leek for fresher flavor.
You don't have to go crazy with expensive tools, pans or kitchen gadets. Save your money for quality produce and meats at the grocery store (and to pay down your debt). As you get into it ask the people at the meat counter and in the produce department what they would suggest and if they have any recommendations on cooking something. I got the best creamy horseraddish sauce from a guy in produce. I've also gotten great cooking tips from the people at the meat counter. If you find a few herbs that are your favorites you can easily grow them, even in just a small pot on your kitchen counter (if you don't have outdoor space). Basil will take over your counter so feel free to share it with all your friends, family and neighbors. Learning to cook is a process. Relax, give yourself time and you will enjoy it
NFCU nCashRewards VISA - $20,000 | NFCU nRewards $10,000
@sailor_mercury wrote:
@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!..
Don't be afraid to start simple. Like I said, grilled cheese and canned soup
You don't have to go crazy with expensive tools, pans or kitchen gadets. Save your money for quality produce and meats at the grocery store (and to pay down your debt). As you get into it ask the people at the meat counter and in the produce department what they would suggest and if they have any recommendations on cooking something. I got the best creamy horseraddish sauce from a guy in produce. I've also gotten great cooking tips from the people at the meat counter. If you find a few herbs that are your favorites you can easily grow them, even in just a small pot on your kitchen counter (if you don't have outdoor space). Basil will take over your counter so feel free to share it with all your friends, family and neighbors. Learning to cook is a process. Relax, give yourself time and you will enjoy it
Thanks for the tips! sounds so complicated lol... maybe grilled cheese is gonna be my best friend for a while
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.
OFFICIAL GARDEN START DATE: 10-05-2014... TARGET GARDEN END DATE: 06-01-2016 Lets Git 'r' dun
@kobe2012 wrote:
Thanks for the tips! sounds so complicated lol... maybe grilled cheese is gonna be my best friend for a while
It really doesn't have to be complicated... But there deff are complicated dishes out there. There are some good cooking and beginner aps out there if you have an iPhone or iPad. The Payoff Challenge thread is a great place to be and if you want any cooking advice feel free to PM me.
I used to really hate to cook but learned because I wanted to make things my way, change the flavors up. Most days I'm cooking for 3. If it's a family meal I could be cooking for 20-40+.
@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
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.
@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... =/
@kobe2012 wrote:To top it off, my credit score took a big hit!... I think it's around 640 now on all three...
Hey brother- I've been there...pulling yourself out of debt is TOUGH. I feel your pain. The main thing right now is to stop digging and figure a plan of action. It sounds like you're ready to make the necessary changes, and that 90% of the battle.
The main thing as everyone said is to change your spending habits/lifestyle. Believe me I know it's hard...I used to go out 4-5 times/week to eat and on the weekends was downtown to meet girls and have fun. The music for me stopped when I woke up one day and had several cards cancelled. I found myself $25K in debt and received a notice that my house was in pre-foreclosure. I had debt collectors hounding me; my job stability was tenuous at best. But I was slowly able to pull out of the abyss with a little bit of discipline and a lot of patience. I know you can do the same.
Don't worry about your credit score right now. Just concentrate on getting yourself out of debt. Your score will fix itself once you get some of these debts paid down.
Remember, "good credit" is only one piece of your overall financial health. You have to develop a lifestyle that is commiserate with your earnings and DTI...that is the only way this will work long term.
Good luck and keep posting to let us know your plan and progress.
