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freakin' citizens bank!

July 8th, 2009 at 04:25 am

My only credit account right now is through them, and unfortunately it's a pretty large balance that we havn't come to yet in the debt pay-off. I got a letter in the mail saying they are raising my interest rate due to the 'economy'?! My rate would jump from 12.99% to 17.99%. I always pay my bills on time, obviously they are getting my money. I called them up and told them that it was unacceptable. Thankfully they kept the rate the same without even having to speak to a manager. Sheisters!! I can't wait to be out of credit card debt forever.

Tomorrow is payday

June 25th, 2009 at 06:40 am

We made it through the month! Tomorrow is payday, but it's the check that comes when basically all of our bills are due and we take our monthly cash from. I only foresee one large expense in July, and that is that we need a new bathtub. I will never understand why, the prior owner/house flipper spent gosh knows how much to put tuscan tile all around the shower walls and floor...but not replace a 30 yr old ugly tan acrylic bathtub with scratches and a big pressure bubble in the middle? Which has now cracked. We've been sealing it with silicone for about 6mos..but it just isn't lasting. The bath fitter guys are supposed to come Monday evening for an estimate. (crossing my fingers it's not high)

We've hit a glitch in the budget

June 15th, 2009 at 11:35 am

Please tell me, what is it with 20-something guys and planning?! My DH was invited to a very good friends bachelor party this weekeend TODAY. Yes, this weekend, 4 days away. The 'event' includes a stretch limo, night at the clubs, and an in-town hotel with service....all expected to pay for themselves and chip in for the bachelor of course! We should have seen this coming but these are all people who live very paycheck to paycheck and never can afford anything...I really didn't think it would be so extravagant. I'm bumming, but can't deny him a night out with his friends. I have offered to pick him up at 1am so he can get out of the hotel part though!

Motorcycles save money :)

June 3rd, 2009 at 05:42 am

Yesterday we went 140 miles (round trip) to my sisters for my BIL's B-day. It cost us less then $6.00 in gas. You can't beat that with a stick! Our bike is owned outright and the insurance is only $30.00 a month. Too bad it wasn't summer year around here.

I fell off the blogging wagon

May 26th, 2009 at 09:52 am

I didn't blog at all last week. We had some deadlines at work.
I am very pleased to say though that when we get paid Friday, we will have our 3 months income in savings!!
This means we will be able to start snow-balling the plan to have our wedding, septic, hospital bill, and TV paid off by January 2010. The student loans and SUV are the goal for 2010, hopefully along with having our first baby.

It has taken me some work to convince my husband to do this. He is a saver and is all about money in the bank not about paying on debt. I had to tell him (in great detail) how much MORE we can save by not paying interest and payments on all these things over the next 5 years. June 12th, is the official snow-ball start date. We're very excited to see how quickly we progress for motivation! I may stop by the library and get Dave Ramsey's book....can anyone tell me if I can learn alot from it? Other then the budgeting and dumping all extra money into debt that I already plan on?

May is a great month :)

May 8th, 2009 at 05:11 am

Well, I'm very happy to realize that my husband and I will receive three paychecks this month (paid bi-weekly). This gives us an entire extra paycheck to put toward some big expenses coming up. I will be able to get some body work done on my car. I had a minor accident with the garage door back in March when we were unloading a generator. I had let it go due to this seemingly minor accident costing $600.00 to have fixed. (note to self: learn auto painting skills so I can make $60.00+/hr). We will also have no problem paying $1,500.00 for the septic out of pocket.

Looking ahead...I see this wonderful phenomenom of three paydays in one month is going to happen once more in July, and possibly October. Bye-Bye Hospital Debt and T.V. Debt! We will also meet our goal of having 10k in savings. Good Lord willing and the creek doesn't rise of course.