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Good Info I've Collected
- Debt Calculators and Debt Reduction Resources
- Financial Calculators
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- Increasing Your Income
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- Living Frugal
- Random Money Saving Tip
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Here’s our June Monthly Minimum Debt Payments:
Mortgage: $337 (going to $323 starting July 1)
Auto Loan: $258 (will be paid off in September - only 3 more payments!)
School Loans: $208
Credit Cards: $710
Total Payments: $1,513
Debt to Income Ratio: 45%
Monthly payments are going down and our ratio is going down - I can’t ask for more 
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Credit Card Debt
- Starting = $37,614
- Paid Off = $28,882
- Current = $8,732
- $25 ING Savings Bonus
Savings Account
- Current = $4,000
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Posted: June 15th, 2006 at 3:03 am
You’re making some great progress! I bet you can’t wait to pay off the car! It’s great having a car free and clear. Which debt are you going to apply that car payment to after September?
Posted: June 15th, 2006 at 9:21 pm
I have done some major shuffling of debt lately with balance transfers and also with my Prosper loan funds due to arrive shortly. The Prosper loan will actually be my highest interest rate and normally would be the first debt to tackle. But I am actually going to go after one of the credit cards first. I’ll try to lay out my game plan shortly in a post.
The best part about my car is that once it is paid off it is still worth around $5,000! Pure asset
Posted: July 18th, 2006 at 1:12 am
[...] I took the opportunity to ask her about the income at Prosper since one of the things I was battling with was the fact that I listed household income. I was concerned that lenders that already bid on my loan may be upset once they found out what I calculate my total household debt to income ratio to be. This month it’s 45% but Prosper doesn’t include mortgage debt so that reduces our ratio to 34%. Even though I give out a lot of information about myself on my blog, I don’t want to feel like I tricked people into bidding on my loan by doing something wrong (hense the reason why I thought of relisting). [...]