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Archive for June, 2009

Vacation and Stuff

June 30th, 2009 at 08:26 pm

So... we are leaving for vacation (San Diego) on Monday - very excited about that. We already paid the hotel room a while back, so now we just need to pay cash for food, gas, and whatever we decide to do while we are there. I have $850 saved (here's hoping we don't come close).

I paid more towards debt this month, but July will be the pay off on the last three cards (instead of June, like I previously thought).

I have been trying to get more organized in the spending department, so I got Quicken - it's not working like I thought it would. For some reason I have a hard time getting my banking information to automatically download. I think we will start fresh in August, and really try to keep track of everything (July will be too spendy). Besides, August is the beginning of the last of the bills to pay off. We are getting so close, it's nice. It certainly feels great to be paying cash for everything, including our vacation.

We've tried doing some fun things with the kids this summer; besides the pool and library, we've gone to the movies a few times (always a matinee and BYOCandy). We went and saw Transformers last week - LOVED IT!

I am abt to finish up my 2nd class (Masters program)... it's going well. I look forward to the $1470 in tuition reiumbursement! lol...

Work has been crazy; a ton of new projects coming my way. But, it all deals with recognition programs for our associates, so it's fun work!

I will post pics of Nic and Shamu when we get back!! Smile

Until then... Hasta luego!

We have a house in Wisconsin!

June 7th, 2009 at 06:04 pm

Well, that's what is reported on DH's Equifax credit report, anyway! Can you believe it? Thank gosh there's no fraud - seems like a simple mistake. I think the mortgage is what's bringing DH's Equifax score way down. I am sure the Debt to Income ratio is bad.

So, I need to get a letter typed up and in the mail to get that cleared up. I'd like to see it gone and removed from the report asap so I can see what his true credit score is.

Oh... Guess what we got DH for Father's Day (a bit early, I know)...?!

A new laptop! He's been eyeing one for a long while (he's never had one, just desktops). It will come in handy for work, he's a manager who's out in the field a lot. Some people questioned this purchase - wondering why we didn't throw that $600 at debt. It was something I saved for, planned for, and added to the budget. We have worked so hard, and don't spend much money any more, if any. He deserves it! Smile

Know how he thanked me? He leaned in close and whispered the following in my ear, "There is no way you could have bought this for me, if you hadn't taken control and gotten us out of debt the way you have. Thank you!"

**GRIN**

Credit Score Chart

June 7th, 2009 at 05:49 pm

Not sure why I didn't think of this sooner... Being the Excel geek that I am. Smile

We switched away from My FICO to BofA's Privacy Assist, and since they don't do fancy graphs, I went ahead and created my own (not too fancy, but still).





With all of the recent changes, I am dying to know what our August reports bring!

Strange

June 6th, 2009 at 01:33 am

Today was payday, and let me tell you how weird and strange it was to only have one credit debt payment due.

Very strange.
Very weird.

BUT I LOVED IT!

It's amazing. I do not need to make the minimums on our last three cards because they will all be paid off before their due date this month.

I save all of my old budgets, and just for fun I wanted to post a budget from June 2008... THIS IS JUST ONE PAYCHECK (out of 4 for the month)... Look at all of those things:



And here is our new and improved budget for June of THIS year.



What a difference.