Consolidating credit cards
| Listing Information | |||
|---|---|---|---|
| Amount: | $4,400.00 | Status: | Withdrawn |
| Grade: | E | DTI: | 62% |
| Lender Rate: | 28% | Borrower: | malibustacy |
| Finished | State: | UT | |
| Funded: | 2% | Group: | (No Group) |
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Purpose of loan: I will use this loan to consolidate and reduce the rate on the following credit cards: Target $447.18 JC Penney $480.64 Credit One $500.03 Phillips 66 $380.56 Applied Bank $452.77 Wal-mart $370.31 First Premier Bank $249.51 Orchard Bank 1 $270.66 Orchard Bank 2 $226.76 Mervyn's $343.86 Old Navy $246.31 Chase $182.74 Children's Place $97.55 My financial situation: Previously I had been working for the same company since 1999. In July of 2007, I was offered a new job with the State which offered me more money, insurance, and a 401K. I started in September 2007 and have been enjoying my job. I plan on staying with the state and building my retirement. I will be receiving a 5% COLA raise (3% will effect my income, and 2% effects my benefits) which will begin the first of August. After taxes, insurance, and contributing to my 401K I bring home $1,750 a month (except for the months of May and October which is $2,625). I do not have any delinquencies. My total expenses come to $1,313.22 which still leaves me with $435 a month. I have $385 that I am currently paying monthly on credit cards, which would go to my prosper payment. My monthly budget: Mortgage/rent: $0.00: I am fortunate enough to live with family.* Car Insurance: $48.32 Car expenses: $310.57 Fuel: $160.00 Utilities: $0.00: Again, I am fortunate enough to live with family.* Phone, cable, internet: $30.00 Food, entertainment: $75.00 Clothing, household expenses $50.00 Credit Card Payments $385.00 First Prosper Loan: $74.33 Other expenses: $180.00 --------------------------------------- Total monthly expenses: $1,313.22 *I am planning to continue living with family throughout the term of my prosper loan. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 128702 | 2000 | HR | $2,000 @ 20% | Apr 25, 2007 | Loan created |
| 307545 | Consolidating 1700 | E | $1,700 @ 19% | Apr 10, 2008 | Loan created |
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