Dakota Caraway
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Dakota Caraway's Discussions

Paying off Debt

Started this discussion. Last reply by Jack Bauer Jan 13. 16 Replies

Just a walkthrough of what's going on:So, in the span of one year, I managed to pay off a 7.5k Student loan with a 6.55% interest rate.  I feel happy, in a sense that knocks my payments down from…Continue

Paying off Student loans

Started this discussion. Last reply by Penelope Sep 21, 2015. 22 Replies

I'm about 23,000 in debt to 4 loans.  I'm wanting to pay them of as fast as I can, but will paying them off as fast as I can pass up opportunities?  I'd say my net income is below 20,000.  I make…Continue

Daily numbness

Started this discussion. Last reply by Al Raebuck May 26, 2015. 28 Replies

Eh, I think I've fallen into a little rut.  Work is the same old same old, hours fluctuate, I'm scheduled week to week like everyone else, and it doesn't give you the best planning.  Most plans have…Continue

Debit Card number and Info. stolen

Started this discussion. Last reply by Penelope Apr 30, 2014. 10 Replies

Alright, so here's the skinny.  I looked up my account history today with my bank and was shocked to find out that I had a 10 dollar charge and a 148 dollar charge on my account to separate internet…Continue

 

Dakota Caraway's Page

Latest Activity

Jack Bauer replied to Dakota Caraway's discussion Paying off Debt
"That first savings plan is WAY too slow. In my opinion. Ramsey's first level emergency fund is supposed to be quick. Maybe a month or two, depending on your income and what you can sell. $1,300 over a year isn't much at all. JB"
Jan 13
Native Son replied to Dakota Caraway's discussion Paying off Debt
"Here's a simple pair of alternate "savings plans." 1. Go modest. If you start with $25.00/week, that's $1300.00 put away over a year. At least you've achieved Mr. Ramsy's first level of emergency fund savings. 2. When…"
Jan 13
Forge replied to Dakota Caraway's discussion Paying off Debt
"Just a thought, you might shop around for better rates. I know that savings accounts arent really an "investment", but I'm mindful of pennies.... they add up. Also, I found it really helpful to open a savings account at a bank OTHER…"
Jan 13
jazzgirl205 replied to Dakota Caraway's discussion Paying off Debt
"Whatever you are making, convince yourself you are making half of that and budget accordingly.  If you make 70K, budget for $35K.  After insurance, taxes, and many other fees, takehome is pretty much half anyway.  At least put 10% a…"
Jan 12
Dakota Caraway replied to Pale Horse's discussion What's the Deal With AoM?
"Have you ever thought about mentoring, Jack?"
Jan 9
Dakota Caraway replied to Specs's discussion Eat and Drink Local.
""I at least know it won't blow up my gut when I'm on the road and have something important to do." Yet..."
Sep 26, 2015
Dakota Caraway replied to Specs's discussion Eat and Drink Local.
"I think NJ, if I'm not mistaken, has some of the better produce out there."
Sep 26, 2015
Dakota Caraway replied to Specs's discussion Eat and Drink Local.
"Sysco, Keith's, Aramark.  A lot of the food logistics comes from them."
Sep 26, 2015
Penelope replied to Dakota Caraway's discussion Paying off Student loans
"If you're laid off, you send a copy of your unemployment award with a form from the loan company, and you get a 6-month deferral."
Sep 21, 2015
Karl Helweg replied to Dakota Caraway's discussion Paying off Student loans
"http://www.military.com/education/money-for-school/army-student-loan-repayments.html http://www.umsl.edu/services/finaid/scholarships/americorps.html  I know someone who had $2,000.00 of their student loans repaid by Americorps for volunteer…"
Sep 21, 2015
David R. replied to Dakota Caraway's discussion Paying off Student loans
"I had to ask for deferments several times because of financial situation that were out of my control.  I just think that by the time someone retires (the whole Social Security and Medicare thing), this is kind of weird."
Sep 21, 2015
Longarm replied to Dakota Caraway's discussion Paying off Student loans
"The best advice I can give: While in your current job, look for a better-paying job more aligned with your education.  Pay the minimum.  Once in the new job, make payments about twice that of the minimum (or more--this is the only way…"
Sep 21, 2015
Native Son replied to Dakota Caraway's discussion Paying off Student loans
"4 decades back, tuition was a lot lower...BUT a lot of post-graduation employment depended on what one majored in back in the 1970s.  A fair amount of liberal arts majors spent a lot of time in low salary jobs early in their careers.  The…"
Sep 21, 2015
Jay D replied to Dakota Caraway's discussion Paying off Student loans
"Can i ask where you went to school. Thats sounds like a awful long period to pay student debts"
Sep 21, 2015
David R. replied to Dakota Caraway's discussion Paying off Student loans
"I retired last year and am still paying off student loans from graduate school nearly 40 years ago.  (sigh)"
Sep 20, 2015
Jon Z replied to Dakota Caraway's discussion Paying off Student loans
"I had $30,000 in loans after my Master's degree. My grandpa paid them off. I still scheiss myself when I think how fortunate I have been due to that act of generosity. I have high school friends in their 50's who are still paying theirs…"
Sep 11, 2015

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