PRIME, Advice And Questions

Agreed.

I was nearly bankrupt when i came to prime but couldnt afford the $2500 to file for bankruptcy! lol

When i went into training, i negotiated lower payments on the credit cards for one year, got a two month deferment on my car, got my car insurance reduced due to reduced miles being driven, and the utility companies put me on a budget plan to reduce my payments. i even gave my landlord half at a time instead of one lump monthly payment.

Talk to the creditors. see what they say. most will work with you because it is cheaper than chasing you for it. but keep to your promise and call to re negotiate. if you promised $50 but can only give $25 this.month, call ahead and tell them.

i paid off $62,000 in debt and am now free and clear!!! whoo hoo!!! My credit score went from 505 to 766, and i now have $$$$ in high yield savings accounts and $20,000 in my 401k. life is sweet.

it takes innovation and determination. i ate quite a few deli sandwiches the first couple of months. even though im at one of the highest paying companies for newbies and i got miles, i still needed to tighten my purse strings. all well worth it.

Plus, many new drivers get wrapped up outfitting the truck with toys like TV and fridge instead of paying bills.

this sounds like an article is needed lol.

I would say so and I would for one enjoy reading it, as I do ALL of your articles.

::::Rainy blushes::::

Thank you Dan

Agreed.

I was nearly bankrupt when i came to prime but couldnt afford the $2500 to file for bankruptcy! lol

When i went into training, i negotiated lower payments on the credit cards for one year, got a two month deferment on my car, got my car insurance reduced due to reduced miles being driven, and the utility companies put me on a budget plan to reduce my payments. i even gave my landlord half at a time instead of one lump monthly payment.

Talk to the creditors. see what they say. most will work with you because it is cheaper than chasing you for it. but keep to your promise and call to re negotiate. if you promised $50 but can only give $25 this.month, call ahead and tell them.

i paid off $62,000 in debt and am now free and clear!!! whoo hoo!!! My credit score went from 505 to 766, and i now have $$$$ in high yield savings accounts and $20,000 in my 401k. life is sweet.

it takes innovation and determination. i ate quite a few deli sandwiches the first couple of months. even though im at one of the highest paying companies for newbies and i got miles, i still needed to tighten my purse strings. all well worth it.

Plus, many new drivers get wrapped up outfitting the truck with toys like TV and fridge instead of paying bills.

this sounds like an article is needed lol.

I would say so and I would for one enjoy reading it, as I do ALL of your articles.

Yeah Rainy rocks!! 👍

If you like her articles and posts; you should try her books!! All I've got to say is, " Wow!"...... I'm 58 years old and and I learned some stuff!!

😜lol

Wow simon, i had no idea. im especially proud of Zodiac Lives . if you have time, an amazon review would be greatly appeciated.

I do enjoy reading what Rainy writes. As far as tricking out a truck...guilty...I have thought about it. After careful thought all I really "need" is a small fridge (to keep water cold and sandwich makings..perhaps some frozen burritos) and a coffee maker so I can have some coffee when I wake up or need to stay awake. Anything other then that for me is not needed. I hope you do write the article, Rainy, I would read and comment on it.

And heres a thought.. do you need a fridge? i didnt get one until i took my first student. the first 18 mos, i used an ice cooler... $25 which i got for free thanks to truck stop rewards points and bought ice via points. i kept lunch meats and drinks right next to me. yeah, the ice melts so you need to keep dumping it. yeah it can be heavy... and yeah things can get wet if you dont put them in tupperware type of containers.... but free vs $500 fridge is a huge difference. some of the nicer iceless plug in coolers are like $100.

of course, folks are always selling things off their trucks at the terminal. splitter got a used fridge for like $60 or something. bleach it and you are good to go!!! lol

rewards points are great! i bought a GPS with a large amount of points and a $150 head set. that iceless cooler would be obtainable in a couple months.

Wow simon, i had no idea. im especially proud of Zodiac Lives . if you have time, an amazon review would be greatly appeciated.

Absolutely! Really enjoyed it! 👍😊

I have completed just about 50% of the course and find it very helpful.

I have started reviewing the High Road CDL and have found it very helpful. I am only around 13% but I find that it is very helpful so far. I am not sure what I have I can sell, but I should figure something out as this is something I really want to do. Even if I fail, at least I tried.

Here's a tip that will greatly help you prepare for the permit tests. You said...

I have been studying the manual and trying to gear my self up for the change as it is huge.

I would ditch that plan and go with studying the High Road CDL Training Program. That will make a huge difference in your ability to grasp and retain all the information you need to know. It will give you a tremendous headstart over the other students and will likely get you connected with your first trainer much quicker.

The ice cooler was my second thought behind a fridge. I carry a small cooler now when I work (which includes a lot of driving) for my water. I have a cooler at home (I think) and could grab that when I get done with the TNT part and head in the direction of home. The worry I would have of getting a used fridge at a truck stop is that it no longer would work (not saying someone would screw me over) but in my mind it makes better sense to go new and nor worry about it.

And heres a thought.. do you need a fridge? i didnt get one until i took my first student. the first 18 mos, i used an ice cooler... $25 which i got for free thanks to truck stop rewards points and bought ice via points. i kept lunch meats and drinks right next to me. yeah, the ice melts so you need to keep dumping it. yeah it can be heavy... and yeah things can get wet if you dont put them in tupperware type of containers.... but free vs $500 fridge is a huge difference. some of the nicer iceless plug in coolers are like $100.

of course, folks are always selling things off their trucks at the terminal. splitter got a used fridge for like $60 or something. bleach it and you are good to go!!! lol

rewards points are great! i bought a GPS with a large amount of points and a $150 head set. that iceless cooler would be obtainable in a couple months.

And heres a thought.. do you need a fridge? i didnt get one until i took my first student. the first 18 mos, i used an ice cooler... $25 which i got for free thanks to truck stop rewards points and bought ice via points. i kept lunch meats and drinks right next to me. yeah, the ice melts so you need to keep dumping it. yeah it can be heavy... and yeah things can get wet if you dont put them in tupperware type of containers.... but free vs $500 fridge is a huge difference. some of the nicer iceless plug in coolers are like $100.

of course, folks are always selling things off their trucks at the terminal. splitter got a used fridge for like $60 or something. bleach it and you are good to go!!! lol

rewards points are great! i bought a GPS with a large amount of points and a $150 head set. that iceless cooler would be obtainable in a couple months.

I was walking to my just assigned truck with a brand new $225 fridge when a driver who was leaving said he’d sell me his for $40. He threw in a microwave for $10 dollars. On top of that he GAVE me a bunch of food too. I have him $60 for everything.