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Road to Financial Independence 500K

 
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Midna View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Midna Quote  Post ReplyReply Direct Link To This Post Posted: May 14 2013 at 1:54pm
Go Natalie! She went through hard times, but she really turned it around for herself! Go girl!!
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talia View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote talia Quote  Post ReplyReply Direct Link To This Post Posted: May 14 2013 at 7:29pm
Originally posted by Midna Midna wrote:

Go Natalie! She went through hard times, but she really turned it around for herself! Go girl!!
 

I agree.....my original post said kind of depressing but true testament to what one can do if you persevere....and of course bhm ain't letting me edit my dang nam it post.
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talia View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote talia Quote  Post ReplyReply Direct Link To This Post Posted: May 17 2013 at 8:29pm
Bumpity bump!  How is everyone progressing on their goals.  I'm still hanging in there.  

The SO tells me he's getting tired of salads....I'm okay with them.  So now I've got to find something else to cook....lucky for me school will be over in 3 weeks....lawd I can't wait.  It has been a hard year.
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reashairjourney View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote reashairjourney Quote  Post ReplyReply Direct Link To This Post Posted: May 17 2013 at 9:35pm
I need some advice! I have bad credit and im only 20. Most of them are from medical bills. I know i can't pay them any time soon.   1 is a $1000+ student loan that i haven't paid for like 2 years. A 300+ for a clothing store. They sent me a letter staying i can pay half. I read that you should never settle but then i also heard if your credit is really bad it doesn't matter if you settle. I just want to be able to buy a house and car one day and not have to worry about my credit.
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reashairjourney View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote reashairjourney Quote  Post ReplyReply Direct Link To This Post Posted: May 17 2013 at 9:46pm
Is there a legit website i can check my credit?
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zolloh View Drop Down
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Post Options Post Options   Thanks (1) Thanks(1)   Quote zolloh Quote  Post ReplyReply Direct Link To This Post Posted: May 17 2013 at 10:16pm
Originally posted by reashairjourney reashairjourney wrote:

Is there a legit website i can check my credit?

You are entitled to one credit report every year from the 3 major agencies. The reports are free but you will pay for the score. You can get all 3 at once. I space mine every 4 months so I always have a current report.

https://www.annualcreditreport.com/cra/index.jsp



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zolloh View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote zolloh Quote  Post ReplyReply Direct Link To This Post Posted: May 17 2013 at 10:30pm
Originally posted by reashairjourney reashairjourney wrote:

I need some advice! I have bad credit and im only 20. Most of them are from medical bills. I know i can't pay them any time soon.   1 is a $1000+ student loan that i haven't paid for like 2 years. A 300+ for a clothing store. They sent me a letter staying i can pay half. I read that you should never settle but then i also heard if your credit is really bad it doesn't matter if you settle. I just want to be able to buy a house and car one day and not have to worry about my credit.
The answer to this question is not straight forward. It depends on how many items of debt you have, the amount owed on each, the date of your last delinquency, whether you currently have the ability and discipline to pay off some/any/none of the items and what your short term goals are (e.g.how soon do you plan to buy car etc).
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CamiK View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote CamiK Quote  Post ReplyReply Direct Link To This Post Posted: May 17 2013 at 10:41pm
This credit report isnt actually giving me a number...it just says everything is ok...is that fine??
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smaison View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote smaison Quote  Post ReplyReply Direct Link To This Post Posted: May 17 2013 at 11:48pm
So I've accepted a job back home instead of moving out of state and I'm moving back with mommy. Most people cringe when they have to move back home but this is not about finances for me; I can afford to live on my own which I've been doing for 3 years now but since I'm gonna be in the same city as my family, why not? Why pay rent when I could be saving up to purchase a home. I have no car payment and the only debt I have (a student loan) will be paid off in a couple months. I'm going to thoroughly enjoy saving and investing even more than I do now.
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talia View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote talia Quote  Post ReplyReply Direct Link To This Post Posted: May 18 2013 at 5:20pm
Originally posted by smaison smaison wrote:

So I've accepted a job back home instead of moving out of state and I'm moving back with mommy. Most people cringe when they have to move back home but this is not about finances for me; I can afford to live on my own which I've been doing for 3 years now but since I'm gonna be in the same city as my family, why not? Why pay rent when I could be saving up to purchase a home. I have no car payment and the only debt I have (a student loan) will be paid off in a couple months. I'm going to thoroughly enjoy saving and investing even more than I do now.

Smart girl!!!!  Congratulations on the job!!!  You chica are going to be enjoying watching your money grow....good for you!!!  ClapClapClapClapClapClapClapClapClapClap


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