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Posts tagged with: reduce debt

Excuse me, can I pay this bill?


I enjoy paying bills. I know. Sick. But, I like reducing debt so much that I feel good watching numbers go down. It’s a great feeling.

Anyway, I’m old school. I write checks to pay bills.

Yes, I know you can pay bills online.

I’m a nerd who likes writing checks.

I wrote a check to our utility company for about $60 and it hasn’t been cashed yet. No biggie right? Except, I wrote the check just over SIX months ago. I called about three months ago to make sure the payment was applied to my balance and it was… but the check remains un-cashed.

The friendly customer service person said my account was in good standing but when I asked her when the check would be cashed, she said to keep waiting.

So here we are, inching toward month SEVEN, and I’m confused as to what to do. Do I call the utility company and offer another check? Or do I lean back, kick my feet up, and figure it’s their loss?

What would you do?

*On a side note, this isn’t the first time this has happened to me. I paid another bill and more than a year went by. They never cashed the check and would not accept another payment because their system would not handle ‘double’ payments.

Mortgage Ratios…


I was listening to Dave Ramsey last night while taking Hutch for a run and was flabbergasted as a man told Dave he couldn’t survive on what he was making. The man was pulling in just over $6,000 net each month and was carrying a $2,400 mortgage.

Dave said it was a tight budget but he should be able to survive on it.

‘Are you absolutely kidding me?!?!?’ I shouted as I ran.

I can’t imagine these kinds of outbursts make me popular with the neighbors – nor does it give them any sort of confidence in my sanity… but what else is new?

Without giving away too much about our income or mortgage amount, I’ll just put it this way, my husband and I make less than $6,000 net a month and our payment on the first mortgage alone is more than $2,400 a month. Not only do we survive on this, we reduce debt – and we’ve been doing it for two years.

Forgive me for being callus, but if you can’t survive on $3,600 a month after paying a mortgage, there’s a bigger problem than the mortgage.

BUT, I’m trying to change my paradigm and reduce the judgmental side of my personality. Do you need more than $3,600 to survive after your mortgage is paid? If so, why? (Not counting any medical problems or child care. The guy didn’t have medical problems and didn’t pay for child care)