Reinvested Into Prosper
| Listing Information | |||
|---|---|---|---|
| Amount: | $1,000.00 | Status: | Withdrawn |
| Grade: | C | DTI: | 2% |
| Lender Rate: | 13% | Borrower: | spitfirefury |
| Finished | State: | NY | |
| Funded: | 0% | Group: | (No Group) |
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Purpose of loan: This loan will be used to be reinvested into other loans here on prosper. My financial situation: I am a good candidate for this loan because I'm in a stable work environment and am supported by my local union. Teamsters Local 295. I've been working there for a little over two years and don't plan on moving on until I have at least 5 years just so I have time invested for a pension. The credit issues I have listed above are from doing financial favors for friends and family (signing people up for cell phones in my name) and from a student loan that I thought was paid off. That loan was closed last year and I have a current one open for $2000 which I'm paying $50 a month. I've learned just by the applying process how vital a credit score is and I'm personally ashamed because my father (a book keeper) has taught my siblings and I to keep tabs on our money but I learned the hard way. My current rent is only $160 because I still live at home with my parents. My only recurring bill is my phone which is barely used but must stay connected because I have a 3 year old who lives 370 miles away so the only options I have are to talk to her everyday until I go up to see her or she comes down to spend time with my family and I. Mid last year I was introduced to "Rich Dad, Poor Dad" and it made me open my eyes... It made me first look at my financial position which in my opinion sucks but I've started to take full control over. I've learned from my past and have begun to change for the future. Monthly net income: $ 2500 (before overtime... I average 4 hours a week but am listing the worse case senario of no overtime.... with overtime I've made over $3200 in one month but the begining of the year is always slow...) Monthly expenses: $ 1660 ( includes personal investment into prosper.com as well as my retirement account) Housing: $ 160 Union Dues: $ 60 Car expenses: $ 0 Taxes: $ 600-700 depending on overtime worked Phone, cable, internet: $ 60 Food, entertainment: $ 250 Clothing, household expenses $ 0 Credit cards and other loans: $ (all credit cards are paid off in full every month... my credit cards are only used to pay my cellphone bills and once a month at the bar... my average tab is $40 and only go out drinking once a month) Other expenses: Child support $250, Cigarettes $80 I currently have a financial advisor who withdraws $200 a month for investment into my retirement account and have made a plan to invest $100 a month of into Prosper to help other people with their financial situations. I currently have $300 invested in Prosper. I consider these expenses so I don't even consider the money there. My net cashflow is roughly $750 a month from my job. I rarely go out and find no reason to go out to buy clothes since I have a closet of clothes I have yet to wear from last year and Christmas. I also do tattoos on the side which made me anywhere between $50 to $300 a month which pays for my trips to see my daughter and are considered a "business expense" everytime I do one when I spend the weekend. I also participate in online surveys which has netted me almost $80 year to date. For proof of the tattoo business as well as the online survey payments you can visit my myspace profile www.myspace.com/spitfirefury look into the blog "proof of payment" If a loan made defaults, your loan to me will remain in good standings since payments will come from my pocket. Money made here will be reinvested on a monthly basis. I tried to list every source of income I have as well as all current assets. If you have any |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 286455 | Reinvested Into Prosper | C | $1,000 @ 13% | Feb 29, 2008 | Withdrawn |
| 289679 | Reinvested Into Prosper | C | $1,000 @ 13% | Mar 06, 2008 | Withdrawn |
| 391500 | My personal loan for my business | C | $3,000 @ 20% | Sep 10, 2008 | Withdrawn |
| 396428 | Reinvest into Prosper and Help Credit Rating | C | $3,000 @ 15% | Sep 10, 2008 | Loan created |
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