http://thedebtstopshere.savingadvice.com My attempt to become debt-free! webmaster@savingadvice.com Chubrock en-us http://thedebtstopshere.savingadvice.com/2006/12/13/free-computer-programs_18817/ I found this site:<br /> <br /> <a href="http://giveawayoftheday.com" target="_blank">giveawayoftheday.com</a><br /> <br /> There are some neat little applications available for download. I have yet to download anything because I really haven't had the time or energy to browse around. When I get a chance to do so I will post a follow up. Enjoy.<br /> <br /> Wed, 13 Dec 2006 07:51:25 PST smhillis@gmail.com (Chubrock) http://thedebtstopshere.savingadvice.com/2006/12/11/atlantic-city_18723/ Just returned from the work Christmas party in Atlantic City. Didn't go to well when it came to making my fortune at the blackjack table! Took the worst beating of my gambling career! It's not much a career...a few trips to AC and a few poker games among friends and family over... Mon, 11 Dec 2006 17:21:14 PST smhillis@gmail.com (Chubrock) http://thedebtstopshere.savingadvice.com/2006/10/31/the-wallet-has-been-returned_16502/ I just received a telephone call from my wife at home letting me know that my wallet just returned home after 3 days missing! The following note was attached:<br /> <br /> "Found your wallet in the Wal-Mart parking lot. Be more careful next time."<br /> <br /> Almost everything was still in my wallet.... Tue, 31 Oct 2006 10:22:50 PST smhillis@gmail.com (Chubrock) http://thedebtstopshere.savingadvice.com/2006/10/29/lost-wallet-update_16388/ I have called all CC companies, purchased a duplicate DL with a CC that I do not carry in the wallet and put a FRAUD ALERT on my SS# with the big 3 credit agencies. I have called Wal-mart about 10 times within the past day to check to see if someone turned in a wallet. No luck yet.... Sun, 29 Oct 2006 09:08:14 PST smhillis@gmail.com (Chubrock) http://thedebtstopshere.savingadvice.com/2006/10/28/just-lost-my-wallet_16354/ I can't freaking believe it! On the way home from Wal-Mart I noticed that my wallet was not in my jacket pocket! To make a long story short...I lost it! This is the worst feeling in the world! Trying to remember what was in my wallet is giving me a monster headache. I am pretty... Sat, 28 Oct 2006 15:12:19 PST smhillis@gmail.com (Chubrock) http://thedebtstopshere.savingadvice.com/2006/10/28/a-rough-month_16340/ October has been a rough month at Chubrock's house! I had to put my aggressive debt repayment plan on hold so that I could save up enough money to redo the bathroom. Water, water everywhere! There were leaks coming from everything! Instead of charging up a fortune to get it fixed,... Sat, 28 Oct 2006 08:38:23 PST smhillis@gmail.com (Chubrock) http://thedebtstopshere.savingadvice.com/2006/09/23/it-is-an-ever-changing-process_14697/ After about a month of researching how to attack my debt, I have finally written down a plan. I can't believe how easy it was to look at when it was wirtten down!<br /> <br /> I have a bunch of small balances on credit cards, under $100 on each card. These will be taken care of by the end... Sat, 23 Sep 2006 13:25:34 PST smhillis@gmail.com (Chubrock) http://thedebtstopshere.savingadvice.com/2006/09/18/change-of-plans_14477/ I have decided to take my mortgage off of the Debt Calander total. It makes me feel better to see a lower number. This was a motivational factor and nothing else.<br /> <br /> I have also decided to pay off my car before the credit cards. The reason for this is I have just consolidated all... Mon, 18 Sep 2006 14:34:13 PST smhillis@gmail.com (Chubrock) http://thedebtstopshere.savingadvice.com/2006/09/13/spontaneous-spending_14262/ So I went ahead and bought 2 tickets for the Mets first playoff game this year. It was an impulse purchase. A lot of people tell me that they have a better time watching the game from the comfort of their own home. Not me. I love the excitement as well as the smile it brings to... Wed, 13 Sep 2006 17:06:56 PST smhillis@gmail.com (Chubrock) http://thedebtstopshere.savingadvice.com/2006/09/09/0-for-18-months_14102/ I just scored a huge savings when I was approved for a 0% into rate until <b>APRIL 1, 2008</B>! I have just transferred all of my outstatnding credit card debt to this account with no fees! I should be able to just about clear up all of my credit card debt by the end of the into rate....</b> Sat, 09 Sep 2006 12:36:11 PST smhillis@gmail.com (Chubrock) http://thedebtstopshere.savingadvice.com/2006/09/07/change-please_14020/ When we purchased our new home this past April, I found an old Planters peanut jar while unpacking. Why it was there, I don't know. Instead of throwing it out, I decided to keep it in my bedroom closet so that I could empty all of the change from my pockets each night. Before I... Thu, 07 Sep 2006 12:43:22 PST smhillis@gmail.com (Chubrock) http://thedebtstopshere.savingadvice.com/2006/09/06/my-new-home_13968/ It is offical...I have left blogger.com and decided to make this the site of my blog. If you look to the right hand side of this blog, you will see my DEBT CALENDAR listed underneath the Author Info section. I plan on updating the calendar once per month. Hopefully you will see... Wed, 06 Sep 2006 12:25:17 PST smhillis@gmail.com (Chubrock) http://thedebtstopshere.savingadvice.com/2006/08/31/decided-to-pay-myself-first_13737/ I have finally made the decision to go ahead an pay myself first. I was already putting 5% of my pre-tax earnings into the 401k and putting another $50 per week into my kids 529 account so what is another $10 per week? I went ahead and opened an ING Direct Orange Saving Account with... Thu, 31 Aug 2006 16:57:03 PST smhillis@gmail.com (Chubrock) http://thedebtstopshere.savingadvice.com/2006/08/30/0-through-april-2007_13709/ I have just applied for a 0% intro rate Visa card. This card would give me a 0% interest rate for approx. 6 monts. Let's say I get approved for a $5000 credit line and transfer $5000 right away with no fees attached to the transfer. I did request the entire $15k to be transferred.... Wed, 30 Aug 2006 20:16:14 PST smhillis@gmail.com (Chubrock) http://thedebtstopshere.savingadvice.com/2006/08/30/pay-yourself-first_13676/ In researching the best way to eliminate all of my debt I came across a book titled the Automatic Millionaire by David Bach. It took me about two hours to read through this little gem over two days. This is a trick that I learned from an old friend. Instead of purchasing books, I just... Wed, 30 Aug 2006 10:21:23 PST smhillis@gmail.com (Chubrock) http://thedebtstopshere.savingadvice.com/2006/08/30/the-credit-card-plan_13675/ After much though, I have come up with a plan to start paying off the credit cards. I have just finished transferring all credit card debt onto one credit card that carries a 5.99% APR for life. This beats the 12-18% that I would be paying if I left it where it was! I plan to play... Wed, 30 Aug 2006 10:20:37 PST smhillis@gmail.com (Chubrock) http://thedebtstopshere.savingadvice.com/2006/08/30/increasing-credit-card-debt_13674/ Why would I be so stupid! I have just signed up to have my cable, phone, internet & cell phone bills paid automatically to my Amex card! I thought I was supposed to decrease my credit card debt. Well, it is one of those reward cards. A Costco reward card to be exact. I will be earning... Wed, 30 Aug 2006 10:19:40 PST smhillis@gmail.com (Chubrock) http://thedebtstopshere.savingadvice.com/2006/08/30/the-beginning37564228-in-debt_13673/ My debt consists of the following: <br /> <br /> Credit Cards <br /> Student Loans <br /> Car Payment <br /> <br /> I am not listing items such as utilities, insurnace, telephone, cable, groceries. These are recurring debts that are taken care of in full on a monthly basis. In an effort to become debt free, I will,... Wed, 30 Aug 2006 10:18:42 PST smhillis@gmail.com (Chubrock)