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Dump Your Debt: Don't Borrow & Pay it Down! | Forum profile
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Forum profile page for Dump Your Debt: Don't Borrow & Pay it Down! on http://www.clarkhoward.com.
This report page is the aggregated overview from a single forum: Dump Your Debt: Don't Borrow & Pay it Down!, located on the Message Board at http://www.clarkhoward.com.
This forum profile page summarizes the general forum statistics such as: Users Activity, Forum Activity, and Top Authors, which are reported in either a table or graph below for a given reporting time period.
Additional forum profile information for "Dump Your Debt: Don't Borrow & Pay it Down!" on the Message Board at http://www.clarkhoward.com is also shown in the following ways:
1) Latest Active Threads
2) Hot Threads for Last Week
Warning: These statistics are generated using 'best efforts' and can experience delays and reporting errors at times. Please note that such statistics do not constitute a forum's popularity and/or exact posting volumes at any given reporting period.
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Posting activity on Dump Your Debt: Don't Borrow & Pay it Down!:
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3 Months
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Threads:
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39
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162
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464
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Post:
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Dump Your Debt: Don't Borrow & Pay it Down! Posting activity graph:
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Top authors during last week:
user's latest post:
Accrued Interest on Sears...
Published (2009-11-09 08:14:00)
You made a deal and now you are trying to change it so I doubt you will get very far. If they go for it, they are saying to everyone, oh, give us your story and we will forfeit one-half the interest. [Sometimes I sits and thinks...sometimes I just sits...]
user's latest post:
Accrued Interest on Sears...
Published (2009-11-09 12:35:00)
Yes, I know that. I would have found or at least suggested ways to transfer that debt to something else before the clock ran out, thereby eliminating the accrued interest and starting from there. Thought I was just blowing smoke, didn't ya. "Don't believe everything you think." Fuzz
user's latest post:
Finance Charges & APR's...
Published (2009-11-08 17:55:00)
" ...while saving to pay off the balances at one time ..." I'm not sure what you mean by this. Are you actually saving up so you can pay one of the credit cards off in one swoop? It makes no sense to save up, while paying interest on the balance. Squeeze your budget tighter and throw every extra penny on the highest rate card, while making the minimum payment the other. Forget about that stupid half payment every 2 week stuff....
user's latest post:
Trying to do the right...
Published (2009-11-06 16:17:00)
People who have finances placed in a high priority don't buy something if they're in debt. That includes pizzas, TVs, homes and even tuition. These people also wouldn't consider voluntarily reducing their income, even for something as worthy as education. And this is coming from someone who's family has always placed a very, very high priority on education. After a year of sacrifice and hard work I might be convinced...
user's latest post:
BEST CREDIT CARD INTEREST RATES...
Published (2009-11-08 15:26:00)
I understand your money issues and as much as I hate to agree with veggie, he has a point. Try your best to pay it off and then don't ever carry a balance again. Only buy what you can afford. And it today's market, you are not going to find a lower interest card easily at all. One place people on this board like is PenFed.
user's latest post:
Debt Collector Question - Forums...
Published (2009-11-04 11:13:00)
Furthermore, I believe there is in effect a "treaty" between the Bar association and the-- whatever the name is--association of collectors, whereby a collector, once he knows a debtor is represented, may not contact him directly.
user's latest post:
debt free? - Forums powered by...
Published (2009-11-07 22:28:00)
You share far more working knowledge---I like to share the grass roots side. A society that puts equality...ahead of freedom will end up with neither equality nor freedom. Milton Friedman
user's latest post:
Finance Charges & APR's...
Published (2009-11-08 14:36:00)
Why not just not pay it off and stop playing with snakes? It is a small amount. Interest rate do not matter when paid off within a few months. ------------ John Galt sank his ship and went down with his entire crew.
user's latest post:
Finance Charges & APR's...
Published (2009-11-08 19:22:00)
In reply to: ...And while I'm paying more than minimum for the higher APR while saving to pay off the balances at one time... I too wonder what you mean about saving to pay off the balances. If you have sufficient cash on hand for small emergencies, plus money designated for paying off your credit cards, you'll come out best by paying the money on the credit cards as soon as you can. Interest accrues on the unpaid balance, and...
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Latest active threads on Dump Your Debt: Don't Borrow & Pay it Down!::
Started 2 days, 6 hours ago (2009-11-09 08:03:00)
by chaznsc
Why are you entitled to a credit of the interest? It seems you had 12 months, and a deal is a deal, right?
Started 1 month ago (2009-10-10 11:35:00)
by thebunny
Nanacy Pelosi will tax your new found money. It's not fair that you are responsible while so many blow their money. VAT VAT VAT!!! By the way--congrats! A society that puts equality...ahead of freedom will end up with neither equality nor freedom. Milton Friedman
Started 3 days ago (2009-11-08 13:27:00)
by 1character
We don't advise that every 14 day payment, the pennies you would save are not worth it, pay as much as you possibly can when the bill is due. Get these things paid off and do your best not to run balances you can't pay at the end of the month. Banks are trying to minimize all the money they are losing on folks bailing to BK and other means, it is not personal. ...
Started 2 days, 23 hours ago (2009-11-08 14:34:00)
by Kalebasveggie
Best is to get really intense and paid it of 6 months. The interest rate does not matter that much if you pay it off that fast. ------------ John Galt sank his ship and went down with his entire crew.
Started 1 week, 1 day ago (2009-11-02 21:51:00)
by scrappydoo
Why don't you think it is important? Why would you want to pay all that interest? It's throwing money down the drain. In other words, that $10 steak you charged at Outback ends up being $100 over time with all of the interest charges. And when you are debt free you are in control of your finances. You pay yourself when you put it in savings and investments ...
Started 1 month ago (2009-10-09 04:21:00)
by fuzzbutt
http://www.az.maranausd.org/index.aspx?NID=5390 "Don't believe everything you think." Fuzz
Started 4 days, 23 hours ago (2009-11-06 15:15:00)
by gr7070
> > > I have run a typical ramp-up amortization schedule...and we could pay off most of it in 3-years. But, the amount of money it eats up out of our monthly income is fairly large.
Started 6 days, 16 hours ago (2009-11-04 21:58:00)
by scrappydoo
STOP STARTING NEW THREADS!!! It is very confusing. You need to reply to your other threads and not start new ones.
Started 5 days, 3 hours ago (2009-11-06 10:43:00)
by gr7070
I wouldn't worry about the CCs for now. Just worry about getting a job, paying the mortgage, utilities and food. Once you get a job you can decide what to do about the CCs. Take care of your family first. Keep a copy of today's CC statement for each. This way you'll know how much you owe them now. Keep all future statements so you'll know how much more you ...
Started 5 days, 19 hours ago (2009-11-05 19:17:00)
by Kalebasveggie
There are legitimate businesses, but are a rip off. They destroy your credit. In general: you pay them for 6 months or so and no else get paid. Your creditors start thinking that they might not get paid (loosening them up !) and they start negotiating for you. Of course the creditors know them. In the mean time, you have late payments on your record, increased ...
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Hot threads for last week on Dump Your Debt: Don't Borrow & Pay it Down!::
Started 1 week, 1 day ago (2009-11-02 21:51:00)
by scrappydoo
Why don't you think it is important? Why would you want to pay all that interest? It's throwing money down the drain. In other words, that $10 steak you charged at Outback ends up being $100 over time with all of the interest charges. And when you are debt free you are in control of your finances. You pay yourself when you put it in savings and investments ...
Started 6 days, 16 hours ago (2009-11-04 21:58:00)
by scrappydoo
STOP STARTING NEW THREADS!!! It is very confusing. You need to reply to your other threads and not start new ones.
Started 1 week ago (2009-11-03 14:31:00)
by 1character
Have your brother contact them and tell them he filed for BK and then that will be that, they will stop calling both of you. [Sometimes I sits and thinks...sometimes I just sits...]
Started 4 days, 23 hours ago (2009-11-06 15:15:00)
by gr7070
> > > I have run a typical ramp-up amortization schedule...and we could pay off most of it in 3-years. But, the amount of money it eats up out of our monthly income is fairly large.
Started 1 week ago (2009-11-03 20:55:00)
by scrappydoo
What does the paperwork say from the first collection company that you paid the $2500 to?
Started 1 week, 1 day ago (2009-11-03 05:30:00)
by 1character
and no matter how much we preach against these places, people believe the hype, want to believe it and go for it and then when the company takes their money, destroys their credit, they come here all upset. I have to admit, the ads run constantly here, and they are engaging, they make it sound wonderful to someone who is drowning in debt, so they end up going for...
Started 3 days ago (2009-11-08 13:27:00)
by 1character
We don't advise that every 14 day payment, the pennies you would save are not worth it, pay as much as you possibly can when the bill is due. Get these things paid off and do your best not to run balances you can't pay at the end of the month. Banks are trying to minimize all the money they are losing on folks bailing to BK and other means, it is not personal. ...
Started 1 week, 2 days ago (2009-11-01 17:22:00)
by carriemuller
I am assuming you are current with your loans and credit cards and want to add more money to them to become debt free as soon as possible. If that is the case, then paying as much as you can on the highest interest rate debt each month(student loan or cc) until you retire that debt is the way to go.
Started 2 days, 6 hours ago (2009-11-09 08:03:00)
by chaznsc
Why are you entitled to a credit of the interest? It seems you had 12 months, and a deal is a deal, right?
Started 1 month ago (2009-10-09 04:21:00)
by fuzzbutt
http://www.az.maranausd.org/index.aspx?NID=5390 "Don't believe everything you think." Fuzz
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