Comments on: Final Thoughts on Our 2007 Goals

By: Steve Sanders

Steve Sanders — Thu, 17 Jan 2008 00:29:39 +0000

For help with credit card debt, try a company called Credit Card Zappers.

They actually took off my interest charges for 3 months in a row, and an overlimit fee.

By: EasyChange

EasyChange — Sat, 12 Jan 2008 03:36:50 +0000

You have a lot to be proud of Tricia. The key thing is to just keep going. Every day is a new day and a new opportunity.

By: Money Blue Book

Money Blue Book — Wed, 09 Jan 2008 20:22:16 +0000

Looks like you are doing great with that credit card debt. Keep working hard at it – you can do it!
-Raymond

By: thisisbeth

thisisbeth — Wed, 09 Jan 2008 14:46:43 +0000

Wow–you did a great job with your goals! Congrats!

By: Matt

Matt — Wed, 09 Jan 2008 14:30:17 +0000

Sounds like you had a pretty good year. Our goals change as the reality of our life change.

By: Fiscal Musings

Fiscal Musings — Wed, 09 Jan 2008 03:49:30 +0000

It’s good to at least see someone with goals and who’s working towards them. Nice progress as well.

By: Ryan S.

Ryan S. — Tue, 08 Jan 2008 20:23:52 +0000

That’s a great amount of progress toward your goals, Tricia! I hope you’re proud and reward yourself (without spending much
-
Ryan
http://uncommon-cents.net/

By: arduous

arduous — Tue, 08 Jan 2008 17:54:42 +0000

Congrats Tricia. This is really great news.

By: Sherri

Sherri — Tue, 08 Jan 2008 17:33:44 +0000

You mentioned it in a comment but to add to your 2007 accomplishments, you got your credit card debt at 0% so that it made great sense to build that emergency savings account. Part of your 2007 goal was geared towards chasing after the finance charges, so I think you deserve a congrats for avoiding them all together!

By: Jim ~ mydebtblog.com

Jim ~ mydebtblog.com — Tue, 08 Jan 2008 16:29:54 +0000

I would like to have focus on meeting financial goals and sticking to it. December was rough and credit card debt went up and savings went away. Damage is done though and all I can do is move forward. I need to find some ways to get 0% on my credit cards to help me pay them off faster without wasting money on interest.

You did mention retirement savings though which I currently do even though I’m in debt. I think it’s too risky to stop contributing to retirement since the earlier you start, time is on your side. The long term goal I have is to be out of debt by 30 so I can boost my retirement savings and do a Roth IRA.

By: danielle

danielle — Tue, 08 Jan 2008 13:35:29 +0000

You’ve come a long way. I keep taking two steps foreward and two steps back with 1500 measly dollars. Keep up the good work.

By: Tricia

Tricia — Tue, 08 Jan 2008 12:43:30 +0000

Neilo – good point

The Chef – Right now, my credit card debt is at 0% so I am not paying interest on it. When that expires later this year, then I will have to take a close look at our situation (and resulting interest rate). We have a lot of unknowns at the moment (might be moving soon, etc.) so I’d like to keep the large savings for now.

By: The Chef

The Chef — Tue, 08 Jan 2008 12:13:26 +0000

Congrats! to you for acheiving the goal, but i would still insist to shed off some of the fat from your savings to pay off for your debt… you have over exceeded your goal for savings ($242). why unncessary pay the interest on the debt.

By: neilo

neilo — Tue, 08 Jan 2008 03:10:17 +0000

If you shoot for the stars but only reach the moon – you still reached the moon!!!