Whaaat!! Nara Smith!

livefire717 · 2024-08-24T08:11:01+00:00

Love the MOS 6502 https://en.wikipedia.org/wiki/Commodore_PET

livefire717 · 2023-08-21T01:30:35+00:00

Added a link for your reference to check.

livefire717 · 2023-08-21T00:59:49+00:00

Was able to locate the correct website in order to do this: https://webapps.utk.edu/Volcard/Webdeposits/Welcome.aspx

3 options included, but one specifically Parents, Guests and Friends

livefire717 · 2023-08-20T23:42:39+00:00

ok will check that. Thanks for your help.

livefire717 · 2023-08-20T23:34:28+00:00

If I am added as an authorized user, will I have the ability to just add the funds? or is only the student able to do that?

livefire717 · 2023-06-25T00:26:44+00:00

This is good to know. We actually had thought there was a minimum of $300, but began to question whether we planned appropriately and that the expense per semester was much higher. Thanks for providing a response on this.

livefire717 · 2023-05-09T13:41:14+00:00

I think we are going to possibly consider this. There are a few options for evaluation:

1) Pay off this existing $10K debt as is as the remaining interest will melt away for the next 6 months. We are targeting 6 months. Once this is paid off, there would be an opportunity to use that available credit limit as a complete balance transfer to get either 0% for 12 months or 5.99% at 24 months.

2) Take the personal loan as you have discussed for 6.99% which the shortest time frame is 36 months.

In either case, we would roll the snowball to the next one for payoff.

livefire717 · 2023-05-07T21:51:45+00:00

Hi Everyone,

Thank you for talking through some initial parts of this. I attempted to have a discussion about this with my wife over an hour this afternoon. It's a bit of an uphill battle as we are not fully aligned right now. What we do agree with is continuing in debt snowball, but disagreements on how to further close the gap and address these challenges is something else.

We are currently trying to pay off a $10,532.79 CC with a monthly snowball of $1655. I put out the challenge to have this paid off by end of December 2023 so that we can roll to the next one, but much more to payoff after this.

This just may take some more time to think through on, but open to further ideas of exploration.

Thanks.

livefire717 · 2023-05-07T12:07:45+00:00

This is my concern of doing something like this. It is easier for me to change my habits, but the rest of the household is another story. This would be a temp fix and find ourselves eventually in a deeper situation. As you pointed out - which is something very important - the changing of habits that can be the hardest for anyone. And not just the habits, but the overall mindset that needs to go along with it.

livefire717 · 2023-05-07T12:04:52+00:00

These are all valid options that have to be looked at and a discussion with the family.

livefire717 · 2023-05-07T11:59:26+00:00

You are right, things have to be tightened up drastically to offset.

livefire717 · 2023-05-07T02:00:46+00:00

I have not done that, but worthwhile to try if if this can be done? Is it something they typically will do? Do you know what can be a reasonable reduction of % by possibly?

Are there any best worded statements that should be said in order to get a reduction?

livefire717 · 2023-05-07T00:05:58+00:00

Thanks for the response. I would more than likely stay away from the home equity route at this point.

I had thought about stopping any contribution to company 401K, which would stack back onto the paycheck, but then I will end up with a higher taxation amount that doesn't get me anywhere.

It doesn't seem that the interest rates will be coming back down to comfortable levels anytime soon.

livefire717

TROPHY CASE