Paid of my iPhone. When I called, they sort of tried to talk me out of it by telling me I would not be eligible for an upgrade if I paid off my loan. The representative actually said, "Are you sure you want to do this?" OMG!!! Crazy.
Anyway, with this payment gone, our debt snowball is now bigger than our next debt, so some will go on the following debt as well. With that in mind, I'm looking for all the extra money I can find to see if we can pay of two debts in August.
Have been doing some Field Agent stuff, and have $24.40 that I will try to cash out, and found some more jewelry for the pawn shop. Would love to find enough money to take out the next *two* debts in August!
Accounts left to pay off
Truck $27k
***Under $1500***
CitiBank CC $1485
Capital One CC $1380
Discover CC $1250
Target CC $1270
PayPal #1 $1120
***Under $1k***
Dell $900
Walmart $780
BN CC $775
Home Depot $670
Amazon $730
Ulta $650
PayPal #2 $660
Old QS CC $320
BuyPower CC $340
***Paid Off***
iPhone 8/'18 $336
Venus CC 7/'18 $325
Lenscrafters CC 7/'18 $250
Lowes CC 7/'18 $230
JCP CC 5'18
QS CC ??/'18
CareCredit CC ??/'18
Next Debt Paid Off
August 9th, 2018 at 08:34 pm
August 9th, 2018 at 10:56 pm 1533855386
August 9th, 2018 at 11:29 pm 1533857368
As for the customer service representative,what you are doing by paying off all your debts is probably weird to them because of two possibilities: 1) they have never seen anyone do that before or 2) they were hoping to sign you up for another 2 years with a different phone. Maybe both.
August 9th, 2018 at 11:49 pm 1533858542
August 10th, 2018 at 04:20 am 1533874856
August 11th, 2018 at 03:17 am 1533957463
I am going with the lowest balances first. The largest is the truck payment, and that would take forever! I love seeing the debts colored in on my nifty chart, so this way definitely keeps us motivated.
As for the phone, yeah, it was so strange. I'd love one of the new red iPhones, but my 7 Plus needs to hold me over for a bit.
Thanks for all the encouragement. :-) I will get my numbers in next week for anyone who is interested.
August 11th, 2018 at 07:48 am 1533973708
August 12th, 2018 at 06:35 pm 1534098913
As far as the phone and the fact the rep said you aren't eligible for an upgrade, just exactly how they keep people on the merry go round of constantly owing for a new phone and being tied down to the service. Years ago when we paid off the mortgage, the gal said, how about applying for a home equity loan to fix up your house now that it is paid for? I smiled and said, "No, thanks!" I thought, this is one merry go round I don't want to stay on.
August 13th, 2018 at 12:07 pm 1534162046
August 13th, 2018 at 01:44 pm 1534167849
August 13th, 2018 at 05:34 pm 1534181640