D. Kevin Surbaugh P. O. Box 4551. Topeka. KS 66604
;or send an email to: kevin -AT- debtfree4ever net-or- debtfree -AT- surbaugh com and
The rich rules over the poor. And the borrower becomes the lender's slave.-- Proverbs 22:7 (NASB)
I found a that will actually allow you to tell it what you are paying each week/bi-weekly/monthly/semi-monthly. Most online calculators tend to only ask for your interest rate and loan amount and tell you what your monthly loan payment is. Well I already know that information what I want to know is when I will have my loan paid off based on the payments that I am actually making. For example I found that even though I hope to pay off my car in another year it will actually be 2.6 years based on my current payments. I would have to have basically pay my entire paycheck for the next year to make my goal of being debt-free by the end of 2008. In addition. I have found that I can have my credit card paid off by Dec 31 going with the plan laid out earlier this month on this blog. However if I can come up with an additional $200/month. I can have it paid off next month. That is if I can also come up with an additional one time payment of $40. This ultra fast scenario would save me $2.37 in interest. I really like this idea unfortunately the calculator seems to indicate it will be the only small debt that I will be able to get paid off this year. I had been hoping to see 3 loans eliminated this year but doesn't appear to be very realistic. However the other 2 debts should be able to be paid off by May 2008. That means the credit card would be paid off this year in Nov or Dec while the home improvement and Fingerhut debts will be paid off early next year but only if I increase the home improvement payments by $200 in Dec or Jan after I have paid off the credit card. If I continued paying the regular monthly payments ($75) it would take an additional year. Casting me an additional $89.48 in interest.
Debt Elimination Payment PlanAdditional Monthly Payment Applied is 0.00
Many banks and companies which have piled up their are expanding their personal and commercial services. On individual level services are being offered at nominal interest rates. While commercially banks have really queued up to sell out the merchant accounts combined with a. Merchant account lets you accept the online payment through. Such services can now easily be availed through.
The author of this website is not a financial adviser and in no way intends for information shared on this website to constitute professional financial advice. This website is intended to provide general information only and does not attempt to give advice that relates to your specific circumstances. I am just an individual with a computer who likes to talk about finances.
Kevin is an assistant manager at a major regional grocery store. He made several bad decisions and got himself deeper into debt then he could handle. Like Dave Ramsey says he developed the attitude of "I want it and I want it now," that plaques so many Americans. Now with the advice of Larry Winget. Dave Ramsey. John Cummuta and other personal finance gurus. Kevin is digging his way out of debt. For more information about Kevin visit his personal.
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D. Kevin Surbaugh PO Box 4551 Topeka. KS 66604-0551 I WILL GET OUT OF DEBT!!... or I will be moving into the Box kevin -AT- debtfree4ever net- or -debtfree -AT- surbaugh com
Goal: $1 Million +Employers IRA: $587.52 Rollover IRA: $4,761.93 Sharebuilder Stocks: $333.19Current Total: $5,221.34
Beginning Balance: $19,591.80Current Balance: $9,020.85Credit Card: $0 (paid off $1,000)Home Improv.: $0 (Paid Off $5,000)Car Balance: $7,401.44WaMu (Balance Transfer): $972.11Finger Hut: $0 (Transfered)Attic Insulation: $0 (paid off $500)Paid Off: $10,570.95**Please note these figures do not include the $24,000 debt consolidation loan I paid off in 2006**
Beginning Balance: $3,460.23Interest: $895.06Penalties: $0Current Balance: $2,791.80Paid Off: $1,326
Get through a company with superior customerservice. Get to pay for medical expenses,home improvements or anecessary trip.
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Related article:
http://www.debtfree4ever.net/2007/10/great-loan-calculator.html
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