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Archive for April, 2007

Credit card balance check in

April 29th, 2007 at 01:09 pm

18,500 was the goal but the unforseen happened all last month. Plane tickets to a funeral, taxes and large car ticket items totalled 10 grand. Last month I was at 24,640.99 and this month I'm at 26,549.08 and I don't think I included the dentistry stuff last month cause I didn't consider it debt. It's not as bad as I thought when I consider how much I actually did pay off from last months added debt. Next month's goal $20,000!

On a positive note ING is at $185.62Smile

credit score why are you leaving me?

April 29th, 2007 at 12:39 pm

My credit score this month is 708. I guess it's because of the mix up in payments with the same name.

Addicted to Jeremy's...

April 28th, 2007 at 12:40 pm

I went to Jeremy's today. That's where I get clothes to sell on EBAY. It's mostly clothing from Anthropologie that isn't in season and is about 50% off. This is good because I sell these clothes on EBAY and bad because I want to buy clothes for myself. I picked up 6 items equaling about $140. Then I put back 4 of the items. It came to $40 for the two items. I didn't use the c.c.which I'm glad about. However, I'm a little disappointed about spending anything at all....Just two days ago I didn't have a dime and now that I've been paid why is it I always feel I have excess cash when I have credit card bills to pay??? While in the checkout line I heard a patron say, "I go shopping and my BF says who is this Jeremy anyway? Jeremy's is like my crack dealer she said. Only instead of crack it's clothes!"

mostly recovered

April 27th, 2007 at 11:27 pm

I borrowed $600 from my work. $100 for the rental car, $500 for the repair and DH put $185 on his c.c. I just got paid so am paying them back. It will be nice not to have it all on the c.c. bill when I open up next month's statement...

car blues what to do?

April 25th, 2007 at 09:37 pm

Good News: 5th day no credit card use.

Bad News: My car broke down today (on the free way, with two small children and no cell phone!) It is costing $650

Good News: We are all ok. We had to wait 1/2 hour on the freeway until CalTrans came and pushed us out of traffic.

Bad News: CalTrans pushed us to the only available open spot there was-a bus stop. I got a $250 ticket for parking at a bus stop. They don't care that it was an emergency and I had my car towed within the hour.

Good News: After some time, I was able to reach my mom who came and picked us up. I rented a car dropped my 18 month old at daycare and my four year old son and I went to his school field trip to the zoo, only two hours late.

Bad News: The other day I cut up every one of my credit cards. I always kept them around for such an occasion only to rack up non-emergency debt, so I said enough is enough.

Good News: I have no credit cards to charge non emergency debt

Bad News: I have no way to pay the $650 with no credit cards.

Good News: I get $2000 on the 1st.

Bad News: The car will probably be ready tomorrow and I've used up my EF fund

Good News: I have learned what an EF fund is really for

Bad News: Not sure what I should do to come up with the money in the meantime. I could possibly ask my grandmother for a loan, write a credit card check to myself or the car place, borrow my husband's credit card.....

Good News: reading any suggestions that moght help!

Second day no credit card usage

April 22nd, 2007 at 07:32 pm

Never having really understood the $20 challenge, I think I vchanged it's meaning two or three times to fit a different challenge of my own that I'd understand. This one is sticking. oI am challenging myself to not use credit cards for 40 days (Just like lent but more fun!) I have officially survived day number two. It's harder than you might think.....

The case of mistaken identity

April 21st, 2007 at 12:53 pm

I accidently paid my Working Assets Visa credit card payment to my Working Assets Phone bill. Now I have a credit on my usually low ($30)long distance bill for $230, and a missed payment on my usually high ($4500) Visa bill. Frown

Today was a good day after all

April 20th, 2007 at 03:05 pm

I received my discover card statement thinking I was going to have a much lower balance than last month. It was higher than last month's by about $200 I forgot I spent $250 on Turbo tax-one for my husbands corp., the other income tax. Then I learned I have a 19% interest rate and interest alone is $51. That made me frustrated enough to find both of my discover cards and another credit card and cut up all three. I am going to try cash only for the next 40 days. That is my new challenge! Today my grandmother took me and my son out to lunch, gave me $20 for gas, and bought me a new belt. I resisted temptation from 2 of the cutest sweaters you've ever seen in the Thrift store. It's been a great day.