what would you do?

yes we went threw the credit counslers. This is one that wont work with the counslers. its our last credit card. It was in my name and dh ran most of it up. I was a few hrs late on the payment due to a computer problem and bam nailed. GGRRRRR.

I think Ill see if he'll let me get the pregnant cow and once we sell stuff and pay off the debt get a bull? That sound fair? RIGHT? I dont wan to get just one shell be lonly and cows do better in packs Right
I just dont know.

pay that debt off or it'll be on your back forever. Then tell him to sell that trailer and use the $$ (if anys left after payoff) to get those cattle. Thats what I'd do anyway.. Course I'd probally give him a right swift kick in the seat of the pants also. LOL

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"Let the beauty we love, be what we do. There are hundreds of ways to kneel and kiss the ground." Rumi

I just got off the phone with the credit card company and they lowered it to 12.74 its lower but not that good. Im talking to my bank on monday and Im putting up dh raptor 4 wheeler for colladeral to pay off the ccard. I think I can get a 6%. Ill have to talk with them on monday.

IF it were me - I'd not lose out on the cattle, but I'd be choosing which ones were most important to me - in other words, not buying the 'midlife crisis' entire herd, but just what is needed. Maybe a pregnant cow, or two? The bull seems a bit extra, unless you could feed him for free, with only a cow or two to breed.



I've always felt that I shouldn't spend over $100 without speaking with my husband - kind of an unwritten deal. I've also had issues with him spending wildly, and I feel unfairly. That's in the past - he's learned his lesson.

I would want the Bull to your going to need one at some point. It is hard to tell when cows are ready for AI especially if you only have one.

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marching to the beat of a different drummer

There will always be cattle for sale. There may also always be debt if you do not pay it off. Pay off the debt them look for cattle. It is always possible to be late on another payment and the high interest rate will be back.

Unregistered that may be true but you cant find them that cheap always, she could look for years and not find that kind of deal.

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marching to the beat of a different drummer

Quit throwing out your junk mail!! Take one of those credit card offers that has a 0% introductory rate and transfer the balance off the high-interest card onto it! Don't go hock your 4 wheeler!

It will take 5 minutes to fill out the application, mail it, and you're done! Many of those "Introductory rates" last for a year.

Awhile back, we got into credit card debt. When they started raising the rates, we started transferring balances. If you keep transferring to new cards, you can often buy yourself YEARS of time at 0% interest. Those YEARS should be used to get weaned from cards completely and to pay off the debt entirely at NO INTEREST!

It works...We've been there and done that. I'd rather fill out a new credit card application every 6 - 12 months and transfer the balance, than to keep paying their ridiculous rates.

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"The most beautiful system of the sun, planets and comets, could only proceed from the counsel and dominion of an intelligent and powerful Being." - Sir Isaac Newton
(A REAL scientist)

How many head of cattle do you really need?

I sure understand the pull between the cattle and the debt. Just substitute sheep and I'm right there with ya!

You didn't say how 'cheap' the cattle were...just that you could pay for them with the camper money. Here, a bred highland cow sells for $900. I've also seen a pair of yearlings (one heifer, one steer for the freezer) for the same price. No clue what Dexters are selling for, and haven't paid any attention to jerseys.

I guess the first thing I'd do is see if I could get the interest rate lowered. That, to me, could be twisted in my mind to reduce my debt I'd also not purchase the whole lot, but see about one bred cow, and perhaps the bull, but only if you've got the desire to feed and house a him. Sometimes it's cheaper to just pay someone else the breeding fee. Better add that up first. Bulls can be testy, and in the end may cost you a great deal more to keep than he's worth. If the cow is due soon, you could always breed her back to the bull this fall, then butcher him for this year's meat.

Leave you dh alone about the trailer. Yeah, it was probably an expense you didn't need, but think of all the hay you'll be able to haul in it! Plus, some things are just not worth upsetting the apple cart over. And if you want to get cattle, then you're also making a purchase. Both could be considered an investment (if my dh spent money on a trailer I'd be plotting how to best make use of it!)

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Mustang Diaries

"It's called a lance...hellooo!"

I would pay off the debt. Then try to raise other money to buy the cattle.

I'd go for the two bred cows and let the others go. You can always AI the cows.

Hubby needs a severe lesson in money management, and you need to cut up that credit card so he can't get ahold of it again. Sounds to me like you are the only one seriously working at getting rid of debt. DH knows you are taking care of the situation (and doing a darned good job, too!) so he's back to borrowing again. I'd put my foot down on this one.

Jennifer

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-Northern NYS

You have only 5 acres for hay and pasture for soon to be eight animals.

How much experience in raising beef do you have? Have you ever calved heifers? Why do you need so many animals all at once? (especially if you are inexperienced). If you are keeping the bull intact, how are you going to keep him separate from the rest of the cows? ( a simple fence just won't do it). Are you planning to cross the Highlands with the Dexter? You will only have about three months (if that) to separate the bull from the cows before he become active. A Dh who isn't getting on other work isn't going to get the fencing you need done either.

I think this is an impulse buy - forget it. Get a steer to raise for your beef and pay off your debt.

Another point that comes to mind..is that if you buy cows instead of paying off the high interest debt..the price of the cows will be what you pay for them plus the interest on the remaining debt you could have paid off.

Good point

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marching to the beat of a different drummer

qwispea very good point. We may have another car sold yeah. The highlands were chosen for me. The woman went around looking for me (no I didnot ask her to do this) They do have a bull also who runs with the girls ALWAYS who they are want to sell me hes very even tempered a real sweet heart. they even ride him. But i can't afford his price.

Barb the 5 acrs is just the pasture for them to run and munch on. Not to get hay from.

I think I will see if he will agree on just the highlands for now. I just dont want to pass them up. the other car will sell for 4,700.

I have never griped at my husband about the trailer. I just ask him once in a while got a load yet?

I have helped birth cows I have worked on dairy farms for most of my life. Dh grew up on a farm and worked on farms. Im not totally deaf dumb and blind tothis.

Im glad I came here it has realy given me a clean head and a new view on this problem. Thank you all

Why would you rack up credit cards. why would anyone rack them up??

I never understood that. What is soo important you had to have?


Marie

No one ever got rich by paying off debt. The key is using the money, regardless of the interest rate to make more money, remember the 17 % is for a year so a thousand costs you $170.00 a year or $14 a month. What can you buy for a thousand and sell for twelve hundred in one month? If you invest a thousand once a month and make two hundred profit over a years time it will make you $2400 less the $170 you paid for interest which leaves you a $2230 profit. Look for things you can buy, repair or clean up and flip for a quick profit. Cattle dont offer this kind of returns.