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Thread: My sig explained (finally..and it's a fricken' novel)

  1. #321
    FLAC edrex's Avatar
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    I'm pretty sure it ended up being that we got back everything that was taken out of our paychecks. We both have kids so we get credits for that, and the EIC. Works out nicely at tax time.
    Spent so far: $1,755
    Check Out My Work Log for Specs/Pics
    CarPC Progress[!!!!!!!!!!!!!!].....Installation[---------+].....Pastrami Progress[!!!!!!!!!!!!!!]
    Don't mess with Texas.
    It's not nice to pick on retards!

  2. #322
    Low Bitrate DavidIQ's Avatar
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    Ah...that explains it... the deductions for the kids. Should have claimed our dog!
    -David IQ

  3. #323
    Raw Wave wizardPC's Avatar
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    Just a little update:

    Hey Guys,

    I finally got a new job, and I start in 2 weeks. Once my first full paycheck I'll be right back on this, and that number in my sig will go down about 5 grand since I dont have to move this time

    Now, funny story about this new job. If you have been keeping up with this thread for the last 2 years, you know that the first job I had out of college paid me $24,000/year, and I have a Masters. That totally sucks, btw. This company that I start work with in 2 weeks had contacted me after I graduated, and we were in the process of getting an interview set up when I got offered the other job (the really low paying one).

    Now, this is important and everyone should pay attention:
    I was so afraid of the amount of debt that I had that I felt like I had to take the first job that was offered to me. I never interviewed with the other company because I couldn't take the chance of NOT getting that job when I already had guaranteed income.

    Well now I am going to be working for that company at the same rate they would have started me off at 2.5 years ago.

    $65,000

    So to recap:
    I made dumb decisions, which caused me to make even dumber decisions, which caused me to "lose" about $80,000 in income over the last 3 years, all because I was worried that my credit score would suffer if I missed a payment.

    Kinda puts this thing in a new perspective, don't it?
    Debt as of 1/1/05: $34,354.48
    Debt as of July 4, 2007: $0.00 explanation
    I'M DEBT FREE!!
    I'm now a reasonably successful gunblogger.

  4. #324
    Variable Bitrate Moneyfink's Avatar
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    awesome.....
    I think about your story on a regular basis....
    If you even need advise on how to invest your SURPLUS, i'd be honored to help
    congrats

    It made me sad to think that we hadn't heard from you in a while (on this topic)... I thought maybe you got sucked up into debt again
    My OLD carputer page
    My NEW carPC



    Via Epia M10000, 512 PC2100, Opus 150, 8" lilly touch, 320 GB 7200 WD Caviar

  5. #325
    FLAC edrex's Avatar
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    Good job Wizard!!
    Congrats on the new job, and congrats on being out of debt in about 2 months.
    Spent so far: $1,755
    Check Out My Work Log for Specs/Pics
    CarPC Progress[!!!!!!!!!!!!!!].....Installation[---------+].....Pastrami Progress[!!!!!!!!!!!!!!]
    Don't mess with Texas.
    It's not nice to pick on retards!

  6. #326
    It ain't easy being a green moderator meddler's Avatar
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    There has been a lot of people follow this thread for a long time now. For everyone that has followed this thread, I think we need to have a global wizzardPC is out of debt party!
    Never let the truth get in the way of a good story

  7. #327
    Maximum Bitrate Sidewalksalvage's Avatar
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    Now that sounds like a plan. just as long as we dont spend so much that we go into debt ourselves...
    Brown 2010

  8. #328
    It ain't easy being a green moderator meddler's Avatar
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    It would definately have to be a tightly controlled finanicial affair.
    Never let the truth get in the way of a good story

  9. #329
    Newbie namyzarc's Avatar
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    Hey everybody. I think this is my first post! I stubled on this thread today and read a great deal of it because it hit close to home as it reminded me of my own situation up until recently. I had 2 mortgages (my home & a rental home that barely made enough in rent money to cover the mortgage) and 20,000+ in credit card debt a few years ago which amounted to roughly $260,000 in debt. To top it off, during the peak of my debt, I had JUST purchased my then new RSX AND I got laid off from work (I'm a programmer). Fast forward a few years & things got worse before they got better:
    a) I had a death in the family that was hard on me.
    b) The tenents broke their lease early leaving me with more mortgage payments
    c) Tenants called out the city which cited me on all kinds of (minor but expensive) code violations
    d) Rental proiperty got broken into & vandalized ($4500 worth of damage!!)
    e) I went through a breakup with my whore of a g/f.
    BUT, I did find a new job and with the right decisions, LOTS of patience, & lots of hard work, I ended up paying off lots of debt, did my own repairs on the rental, then I sold it & used the profit to pay off the rest of my debt. Today I live in a modest home, but I am completely debt free. No credit cards, no car payments, no mortgage. Nothing. Someone on this thread mentioned using other peoples money to pay your debt, and I will agree, although I had LOTS of setbacks that nearly drove me crazy with that rental as I described above.
    So congrats on doing the right thing with your lives Wizard and Edrex and whoever else i missed. You guys will NOT regret it!

  10. #330
    Raw Wave wizardPC's Avatar
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    Quote Originally Posted by wizardPC View Post
    My situation has kinda been in flux for the last couple months. I may not be in the same job this time next month, and it's been like that since Octoberish. So I've been piling up cash, but now I'm comfortable making payments again.

    Debt as of 1/12/2007: $7,858.90
    Okay, here we go again:

    Debt as of 4/18/2007: $3,923.37

    w00t! Two, two and a half months left maybe!
    Debt as of 1/1/05: $34,354.48
    Debt as of July 4, 2007: $0.00 explanation
    I'M DEBT FREE!!
    I'm now a reasonably successful gunblogger.

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