Search results

  1. MamaBelleRN

    Debt Dumpers 2024

    It’s been a minute since I’ve checked in and thought it was time for an update! We’ve had some highs and lows lately. HIGH: We knew January was going to be our month of getting out of the paycheck to paycheck cycle, but we wouldn’t be able to start paying down debt until my paycheck on 2/16. We...
  2. MamaBelleRN

    Debt Dumpers 2024

    Haha! My kids are equal opportunity bone breakers. We’ve had 6 breaks in 1:2:2:1:0 breakdown (pun intended 🤣) among my five kids. So far, the only escapee is the youngest. They seem to break when not at home! All happened at friends’ houses except for one. It makes it tempting to wrap them in...
  3. MamaBelleRN

    Debt Dumpers 2024

    Yes, she goes to a small private HS and their guidance counselors take a very active role in helping them apply. They suggest ‘casting the net wide’ as many families have been surprised with where they receive the best offers. I’m really hoping our kids have a similar experience with no loans...
  4. MamaBelleRN

    Debt Dumpers 2024

    Yes!! We hope to chase allll the scholarships. We want to be sure we’re fair with college expenses. Opening 529s is on the distant radar, but we’ll have to decide how much we can comfortably offer to each kiddo. We are in very different financial position than we were a few years ago and can do...
  5. MamaBelleRN

    Debt Dumpers 2024

    So glad to hear things are now on the right track. I give you HUGE props for tackling this debt journey while balancing your DW’s concerns about maintaining funds. Sounds like you’re doing a great job. Definitely keep tackling that debt and your snowball will grow! ❄️ ::yes:: I’m 100% with you...
  6. MamaBelleRN

    Debt Dumpers 2024

    Sunday night and ready for a quick weekly recap :coffee: First, we had an amazing time at Disney on Ice! ❄️ After that intense stretch of 12 shifts in a row (ending on Friday), it was absolutely wonderful to unplug and enjoy the time with my family. And a little taste of Disney helps too...
  7. MamaBelleRN

    Debt Dumpers 2024

    Yes, if one of my debts had a 345% interest, I would absolutely tackle that before starting a baby EF (we’re starting with $1k). I’m also not a Dave Ramsey fan as I think YNAB offers much better pathway to financial health. And it makes sense to have your priority be to knock out that 345%...
  8. MamaBelleRN

    Debt Dumpers 2024

    I I was noticing the same thing with the payoff time frames. While the projections don’t change much as far as *when* the debt is paid, there can be a huge variability in interest paid. I’d rather that money in my pocket vs the creditors any day! ::yes:: This such an AWESOME side hustle...
  9. MamaBelleRN

    Debt Dumpers 2024

    Absolutely!! I did buy the pro version and found for me it’s worth the $24/year. It allows you to input unlimited ‘snowflake’ payments to see how the smaller extra payments add up. It really is so motivating. Glad it has been helpful :)
  10. MamaBelleRN

    Debt Dumpers 2024

    Oh man! Eight different start times :scared:. I agree that one hour makes a huge difference. I actually just switched back to starting at 5am. I had been working 6am- 4:30pm, but with the kids’ extra curriculars, it’s way better to get home that one hour earlier. However, I still find waking up...
  11. MamaBelleRN

    Debt Dumpers 2024

    It’s been so long since I’ve been a Dis regular, I’ve forgotten how to chat with all of you on here. Bear with me as I try to remember how to do this correctly :goodvibes @WDW_fan_in_TX Ugh, the terms of that loan sounds awful and predatory :sad2: I wish there was some oversight/regulations...
  12. MamaBelleRN

    Debt Dumpers 2024

    Debt Payoff Planner is an app we have used in the past for debt pay off. I thought the last time we used it would be it, but here we are :sad2:. However, we’ve recommitted to YNAB and 2024 is our year for financial health! And yes!! You’re totally my people because playing around with the...
  13. MamaBelleRN

    Debt Dumpers 2024

    Just a quick Sunday check in before heading into the week! DH and spent quite a bit of time reviewing our 2023 finances and it certainly lit an even greater fire under my booty to make 2024 our year of financial health. We played around with Debt Payoff Planner and amped up our goal to have all...
  14. MamaBelleRN

    Debt Dumpers 2024

    Hi Dis Friends and Happy New Year to all! I was once part of this thread, but haven’t posted for some time. Unfortunately, through a series of less than wise decisions, we have found ourselves back in some serious debt. Ugh :sad2: BUT we are determined to make the required changes to get...
  15. MamaBelleRN

    Points for Rent: 2400 OKW/ $18.25pp; 1900 SS/$18.25pp; 1600 BW/$19.75pp; 1000 AK $18.75pp; 600 BC $20.25pp; 500 WL/BR $18.75pp; 160 Aulani $18.75pp

    Hi Felicia. Looking for last minute availability for a studio at AKL from October 22-28. I already have a two bedroom booked, but I now I have a friend interested in joining. Thanks!
  16. MamaBelleRN

    Points for Rent: 100 AKL/$18.75pp; 120 RIV/$20.00pp; 100 Aulani/$19.00pp

    Any last minute points available for 2022? I’ve already rented a 2 bedroom, but now I have a friend looking for a studio at AKL October 22-28. Thanks!
  17. MamaBelleRN

    Have you gotten a COVID vaccine?

    I got my second Pfizer dose yesterday AM. I braced myself for side effects, but mine were mild. I had a headache and some tenderness at the injection site as well as the corresponding axillary. Other than that, no issues!
  18. MamaBelleRN

    I love credit cards so much! v4.0 - 2021 (see first page for add'l details)

    Lurker here, but had to say it’s interesting to hear how different things are state to state. I just got my second Pfizer dose today and the process was simple (I’m a frontline nurse helping in our Covid ICU). I signed up online on 12/19 at 0200 for an appointment at 0800. They scheduled my...
  19. MamaBelleRN

    Points for Rent: starting at $17.00pp. Experienced Owner with 960 points (AKV, Aulani).

    @Woody'sRoundup- how far in advance do you start booking out your points? I’d love to rent at AKV but likely not until 2022 (when hopefully Covid is mostly behind us :upsidedow). I’d like to get in touch via DM for a future rental if you’re amenable to that!
  20. MamaBelleRN

    Have you gotten a COVID vaccine?

    Well they gave me a Fast Pass! I got my first dose this morning after work. Currently, I have zero side effects. I don’t even have tenderness at my injection site. After a rough night watching a patient saying goodbye to loved ones via FaceTime right before they were intubated, this couldn’t...
Top