Eric's Credit Community

3rd listing. I pulled one because I posted before I knew how I should do it. #2 didn?t receive enough funding and I realize I was not detailed enough. Thank you for your consideration- I am most grateful!

Purpose:
I?ll be 30 in Sept and have many dreams- two I wish to accomplish by then to open the door to future dreams.

1)I want to help my husband, a FT father for 9 yrs, start a business. He is a talented artist in all mediums but has dreamed of tattooing. He?ll be home for our kids while providing income. With tattooing he can work at home when the kids are in school. He has over 12 customers lined up just waiting for him. We could use this and my husband will be so much happier. It will take $1000 to get started.

2)I want to live without financial stress. My husband bringing in income will help but consolidating debt would be a godsend. I get nowhere when payments are as high as we can afford and interest eats most of it. I have bills that will take 10 yrs to pay yet this loan will not only lower my rates and reduce my  payments but get me out of debt in 3! This is phenomenal and a blessing to my peace of mind. It?s tiring to work so hard, yet have to tell my family that I can't pay for the smallest extra. I'm fed up with the struggle. I want to feel good and improve our lives!

I?m aware of mistakes we?ve made living on one income, dealing with surgeries I needed and moving to a home that could fit us. I WILL NOT repeat them and go back to a life of financial servitude! I want the freedom of not worrying that a surprise will ruin us. I?m excited about the possibility of being a lender and making our money work for us, rather than having to work so hard for it. I want to hit 30 with new energy and feel like anything is possible for me!

Finances: I work FT job as an admin in a retail corporation. My job is secure. I have been there for almost 11 years, receiving high yearly reviews. My net is about $2500/mo. I run a direct sales business providing varying extra income. We own our home with no mortgage. I am thrifty, use coupons and sales, am not afraid of used and resell what we no longer use.

This loan will:
Simplify 10 different bills and payment dates into one automatic draft payment.
Reduce my monthly payments by approximately $65.
Increase monthly income by $200 (lowest end increase, more likely to be $400+)
Reduce time in debt from over 10 years to 3 years.

Item, debt, min payment
business start up, $ 1,000.00,  n/a
Chase Visa @ 22.24%, $ 294.80, $ 10.00
QVC card @ 19.8% , $ 446.67, $45.00
Capital One @ 19.8%,  $ 727.43,  $21.00
Target Visa @ 19.24%,  $ 999.84,  $26.00
Dell card @ 30.55%,  $ 1,382.35,  $42.00
H D loan @ 17.99%,  $ 2,114.39,  $88.67
Home Depot card @ 21%,  $ 2,482.44,  $72.00
fuel credit @ 18%, $ 333.18,  $75.00
pediatrician, $ 100.00, $10.00

$389.67 current min
$325.00 Prosper payment
$64.67 savings
$200.00 Min. new income
$264.67 extra/ mo