Hooray! I finally paid off the Lowes credit card. Let's do a quick tally:
House $150,397.94
Home Equity $ 43,505.80
Minivan 19,785.53
Mastercard $ 11,388.40
Mastercard $ 3,055.84
Unsecured Loan $ 7,010.73
Wells Fargo Loan $ 7,428.41
Wells Fargo Credit Card $ 4,662.84
Wells Fargo Loan $ 3,376.83
Future Trust Credit Card$ 9,403.82
Excluding my mortgage, the new total is: $109,618.20 Difference from last tally: $4,167.63
With the house: $260,016.14 Difference from last tally: $4,397.65
Today is Thanksgiving, I am thankful to see progress! In two months I have completely paid off a bill and paid a bit of the entire mess down. My next goal is the Future Trust credit card. That stupid card has a 24.99%. It did not start that way. They changed my interest rate without telling me and I have NEVER been late with payment.
Happy Thanksgiving!!
Thursday, November 27, 2008
Wednesday, November 19, 2008
Update and Slight Set Back
It has been a while since my last post. I was really hoping to have the Lowes Credit card paid off by now. However, I still have $242.77 left to pay on it. I am crossing my fingers that it will be paid off next week with next weeks' pay check.
Now for the set back, I ran my van into a dump truck! It was completely my fault. I was gawking at the construction and BAM! Ran right into the dump truck in front of me. I did nearly $1900 worth of cosmetic damage to the front of the van. Thankfully the engine is fine. My car insurance deductible is $1000. Plus, I received a $75 ticket for the accident. I have $489.84 in my emergency fund. I will be able to cover my deductible without charging it and the insurance will cover the rest. I had the funds due to a large paycheck I received because of my overtime I have been working.
That was suppose to be the theme of this post, How I Got Extra Income. We now have bigger fish to fry so you will get the short version:
I work overtime hours at work for over $50 an hour.
Now it's time for confession. I went to Chicago despite the fact that I had not met any goals. I spent money on train ticket for my oldest son and I. I spent money not only on my eyebrows, but also a haircut. I spent $190 in the salon alone. Then my son and I went to a nice dinner where I dropped another $50. I also spent money on cabs. I spent a total of $300 that weekend. It did not make me feel good at all! In fact, I hated it. Plus, the $125 haircut wasn't anything great.
This was a huge step backwards in regards to the habits I had been forming. If I had to find the silver lining, it would be that I did not charge one thing. I am back on this frugal wagon with renewed ambition. I want to begin tackling another bill before the year is over.
Now for the set back, I ran my van into a dump truck! It was completely my fault. I was gawking at the construction and BAM! Ran right into the dump truck in front of me. I did nearly $1900 worth of cosmetic damage to the front of the van. Thankfully the engine is fine. My car insurance deductible is $1000. Plus, I received a $75 ticket for the accident. I have $489.84 in my emergency fund. I will be able to cover my deductible without charging it and the insurance will cover the rest. I had the funds due to a large paycheck I received because of my overtime I have been working.
That was suppose to be the theme of this post, How I Got Extra Income. We now have bigger fish to fry so you will get the short version:
I work overtime hours at work for over $50 an hour.
Now it's time for confession. I went to Chicago despite the fact that I had not met any goals. I spent money on train ticket for my oldest son and I. I spent money not only on my eyebrows, but also a haircut. I spent $190 in the salon alone. Then my son and I went to a nice dinner where I dropped another $50. I also spent money on cabs. I spent a total of $300 that weekend. It did not make me feel good at all! In fact, I hated it. Plus, the $125 haircut wasn't anything great.
This was a huge step backwards in regards to the habits I had been forming. If I had to find the silver lining, it would be that I did not charge one thing. I am back on this frugal wagon with renewed ambition. I want to begin tackling another bill before the year is over.
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