jchrisobrien: (big trouble!)
[personal profile] jchrisobrien
Feeling generally poor the past few days.  A possible sickness is creeping up on me, and that cannot happen this weekend.
Mentally, things have been a little scary.  This can quickly be put right too, if I can find the time.

Now, for the good.  My credit card balance is officially at 0.00.  Stage 2 of the Finance Wars has been won.  The next campaign will be waged against the Federal; it will be a long fight but it's defeat is guaranteed, probably within the year. 

Does anyone really ever get out of debt?  I doubt it.  I'll take my A for effort, though.

Date: 2006-02-09 05:34 pm (UTC)
From: [identity profile] spitcurl.livejournal.com
Now, for the good. My credit card balance is officially at 0.00. Stage 2 of the Finance Wars has been won.

Woohoo!

Nah, I think you get out of some bad debt, and eventually rack up some better debt (lower interest rates, mortgages, etc.) Don't the crumbling but landed gentry say things like, "Its not how much you make, but how much you owe?" ;P

But hey! Victory!

Date: 2006-02-09 09:30 pm (UTC)
From: [identity profile] silas7.livejournal.com
Good debt is fine, when it involves houses!

Date: 2006-02-09 05:40 pm (UTC)
From: [identity profile] atalanta.livejournal.com
congratulations on the credit! that's a real accomplishment :)

Date: 2006-02-09 09:31 pm (UTC)
From: [identity profile] silas7.livejournal.com
Thanks! It was all pay, pay, pay... hey look, I'm done!

Now what should I buy? ;)

Date: 2006-02-09 05:41 pm (UTC)
From: [identity profile] hawkegirl.livejournal.com
Congrats on the credit bit...!

Date: 2006-02-09 09:31 pm (UTC)
From: [identity profile] silas7.livejournal.com
Many thanks! Now for that Federal debt...

Date: 2006-02-09 05:46 pm (UTC)
From: [identity profile] silentq.livejournal.com
Yay for zero credit card balances! :)
I'm living debt free, but I think that's due largely to not owning a car or a house. :)

Date: 2006-02-09 09:32 pm (UTC)
From: [identity profile] silas7.livejournal.com
the benefits of a Canadian education? ;)
My car is all paid off too. Such happiness!

Date: 2006-02-09 09:48 pm (UTC)
From: [identity profile] silentq.livejournal.com
A Canadian education that was funded by part time jobs, scholarships, grants and a few loans that were paid back a lot faster than they wanted me to. :)
I actually bought my old used car with money from my investments, and then took out a loan to refill the investments and so could claim the interest payments back against my taxes. My investment counselor rocked, but I have no idea if I could do that here. :)
So, yeah, for me it's all about managing the money I have. :) And not being issued a credit card until I was at my first real job after university for over a year probably helped a lot as well. :)

Date: 2006-02-09 06:13 pm (UTC)
From: [identity profile] couplingchaos.livejournal.com
Hooray for lowering debt!

*good mental and physical health wishes for you*

Date: 2006-02-09 09:32 pm (UTC)
From: [identity profile] silas7.livejournal.com
I'm working on the latter. Tonight the gym, and lots of water and rest.
Thanks a bunch!

Date: 2006-02-09 06:17 pm (UTC)
From: [identity profile] etrinao.livejournal.com
i don't think so.
as soon as i get my credit card balance down to zero, which i've done twice recently, something big happens that makes me have to run it up again. credit cards are a pain in the ass.

and theres student loans, and well, there' always osmething.

Date: 2006-02-09 09:33 pm (UTC)
From: [identity profile] silas7.livejournal.com
as long as I can keep them in control, I can be prepared for when the big bills hit.

*fingers crossed*

I am a teacher I would know.

Date: 2006-02-09 06:40 pm (UTC)
From: [identity profile] theamazingjb.livejournal.com

A+

I am don't just give that out to everyone.

Re: I am a teacher I would know.

Date: 2006-02-09 09:33 pm (UTC)
From: [identity profile] silas7.livejournal.com
Your apple is in the mail.

Date: 2006-02-09 09:24 pm (UTC)
From: [identity profile] talesinsdaughtr.livejournal.com
Well congrats for getting as far as you've gotten. It's pretty impressive :)

Date: 2006-02-09 09:34 pm (UTC)
From: [identity profile] silas7.livejournal.com
I feel like I've built up some good forward momentum!

Date: 2006-02-09 10:07 pm (UTC)
From: [identity profile] canongrrl.livejournal.com
awesomeness - and it can be hard to maintain - I've gone to constantly trying to put a little extra on the side for the emergencies.

I know a really good mutual fund if interested

Date: 2006-02-10 02:02 pm (UTC)
From: [identity profile] silas7.livejournal.com
It will always be a struggle, but if you can get on top of things, it's all good.

Heh. I said on top.

I have a 401k from my old job, my current job doesn't do it. I wonder if I could roll that into a mutual fund? We should talk.

Date: 2006-02-11 08:36 am (UTC)
From: [identity profile] canongrrl.livejournal.com
you would want to roll that into an ira of some kind, its pretty painless, I rolled one into an etrade retirement fund. Then you should look at roth iras :)

Date: 2006-02-10 09:13 am (UTC)
From: [identity profile] pharoahashseti.livejournal.com
People get out of debt all the time... its' called being dead.

Congrats on stickin it to teh man, even though it's in a smallish sorta way. You gotta start somewhere...

Dead?

Date: 2006-02-10 02:03 pm (UTC)
From: [identity profile] silas7.livejournal.com
I'd rather enjoy the fruits of my labor!
Small steps, but at least I'm going forward. Thanks!
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