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Great job, LS! Keep up the good work and do not deviate from the plan!
Awesome start! I am behind you 100%!
@LS2982 wrote:
April Update:
Beginning of Debt:
PSECU 6,200 / 12,000CL APR 9.9%
PSECU LOC 1,226 / 12,000CL APR 10%
Barclays 3,985 / 7,200CL APR 0% (15 months from 9/12)
Chase 600 / 2,300CL APR 0% (15 months from 7/12)
Best Buy 3,178 / 4,000CL APR 0% (deferred 18 mo since 12/12)
GE CareCredit 1,237 / 2,100CL APR 0% (deferred 12 months since 11/12)
Kay Jewelers 1,179 / 2,000CL APR 0% (deferred 12 months from 12/12)
GE Amazon $748 / 6,000CL APR 0% (deferred until 6/13)
April Status
PSECU 5,330 / 12,000CL APR 9.9%
PSECU LOC 1,430 / 12,000CL APR 10%
(I had PIF the original balance, I had my CU call me about my refi not being able to go through without getting rid of an old lien on my truck from a 2 yr ol loan I was still paying on with 24% APR (CRAZY) I dont know why i didnt do this before but I utilized my LOC to PIF that loan to finish my refi. 10% is better than 24%)
Barclays 3,249 / 7,200CL APR 0% (15 months from 9/12)
Chase 1,100 / 2,300CL APR 0% (15 months from 7/12)
(This is my everyday card i use until the 0% is over than it will be PIF)
Best Buy 2,770 / 4,000CL APR 0% (deferred 18 mo since 12/12)
GE CareCredit 1,037 / 2,100CL APR 0% (deferred 12 months since 11/12)
Kay Jewelers 1,063 / 2,000CL APR 0% (deferred 12 months from 12/12)
GE Amazon $648 / 6,000CL APR 0% (deferred until 6/13)
I feel like i'm making good progress, its not going to go away overnight. I have it planned by January ill have 85-90% of this gone. I really appreciate everyone taking to time to read because it gives me motivation to stay on it and it prides me to update this thread every month.
Thank you all!
Hats off your making great strides BRAVO
@webhopper wrote:
Dang you're doing great... keep at it!
Smart move on the LOC
Yea that loan company did me real dirty at the beginning of my rebuild. Very thankful I could axe them.
They need to hurry up and update my report on that loan!!
@LS2982 wrote:March Update
Starting Balances
PSECU 6,200 / 12,000CL APR 9.9%
PSECU LOC 1,226 / 12,000CL APR 10%
Barclays 3,985 / 7,200CL APR 0% (15 months from 9/12)
Chase 600 / 2,300CL APR 0% (15 months from 7/12)
Best Buy 3,178 / 4,000CL APR 0% (deferred 18 mo since 12/12)
GE CareCredit 1,237 / 2,100CL APR 0% (deferred 12 months since 11/12)
Kay Jewelers 1,179 / 2,000CL APR 0% (deferred 12 months from 12/12)
GE Amazon $748 / 6,000CL APR 0% (deferred until 6/13)
Current
PSECU 5,900 / 12,000CL APR 9.9%
PSECU LOC $0 / 12,000CL APR 10%
Barclays 3,493 / 7,200CL APR 0% (15 months from 9/12)
Chase 600 / 2,300CL APR 0% (15 months from 7/12)
Best Buy 2,978 / 4,000CL APR 0% (deferred 18 mo since 12/12)
GE CareCredit 1,237 / 2,100CL APR 0% (deferred 12 months since 11/12)
Kay Jewelers 1,179 / 2,000CL APR 0% (deferred 12 months from 12/12)
GE Amazon $748 / 6,000CL APR 0% (deferred until 6/13)
So I only have 1 interest accuing acount to tackle, the others are set on approximate monthly payments. After this month I have it figured I can throw $700-800 at the PSECU account which will take me to the end of the year but it will be PIF (Cant wait)!!!!!!
I'm excited to get these balances down and watch my credit and score age and grow!!!
Having that PSECU account off your back will be a good end of the year/holiday present to yourslef. Nice work! Keep it going.
@LS2982 wrote:
@LS2982 wrote:
April Update:
Beginning of Debt:
PSECU 6,200 / 12,000CL APR 9.9%
PSECU LOC 1,226 / 12,000CL APR 10%
Barclays 3,985 / 7,200CL APR 0% (15 months from 9/12)
Chase 600 / 2,300CL APR 0% (15 months from 7/12)
Best Buy 3,178 / 4,000CL APR 0% (deferred 18 mo since 12/12)
GE CareCredit 1,237 / 2,100CL APR 0% (deferred 12 months since 11/12)
Kay Jewelers 1,179 / 2,000CL APR 0% (deferred 12 months from 12/12)
GE Amazon $748 / 6,000CL APR 0% (deferred until 6/13)
April Status
PSECU 5,330 / 12,000CL APR 9.9%
PSECU LOC 1,430 / 12,000CL APR 10%
(I had PIF the original balance, I had my CU call me about my refi not being able to go through without getting rid of an old lien on my truck from a 2 yr ol loan I was still paying on with 24% APR (CRAZY) I dont know why i didnt do this before but I utilized my LOC to PIF that loan to finish my refi. 10% is better than 24%)
Barclays 3,249 / 7,200CL APR 0% (15 months from 9/12)
Chase 1,100 / 2,300CL APR 0% (15 months from 7/12)
(This is my everyday card i use until the 0% is over than it will be PIF)
Best Buy 2,770 / 4,000CL APR 0% (deferred 18 mo since 12/12)
GE CareCredit 1,037 / 2,100CL APR 0% (deferred 12 months since 11/12)
Kay Jewelers 1,063 / 2,000CL APR 0% (deferred 12 months from 12/12)
GE Amazon $648 / 6,000CL APR 0% (deferred until 6/13)
I feel like i'm making good progress, its not going to go away overnight. I have it planned by January ill have 85-90% of this gone. I really appreciate everyone taking to time to read because it gives me motivation to stay on it and it prides me to update this thread every month.
Thank you all!
Congrats ! Very proud of you.....keep up the greatness !
SisterGirl