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Archive for October, 2009

Eyes Wide Open...

October 25th, 2009 at 02:14 am

Mouth Closed Shut (from now on, anyways)...

Look, we make good money... We paid our credit cards off... We are paying our collections off... We have money left over @ the end of the money.... We don't spend all crazy like... Except for when it comes to eating out.

Why do we do this to ourselves?

Seriously.

I know better. I do. I know what needs to be done... (meal planning, shopping, stop being lazy & make lunches for the kids and hubby)...

I knew it was getting a little out of hand; we've been eating Subway at least once a week...usually when it's a school night for me.

I can't sleep... so I decided to pull the info from our joint bank account.

This does not include meals/eating out paid for by DH's debit card or cash.

Just our joint.
And just since August 1.

Not even three full months.



Here goes:

Applebees -21.74
Baskin Robbins -10.75
Baskin Robbins -9.56
Baskin Robbins -11.86
Carl's Jr -15
Carl's Jr -12.88
Chipotle -35.46
Chipotle -18.43
Chipotle -33.46
Chipotle -19.08
Cinnabon -6.98
Coldstone -11.39
Cracker Barrel -53.32
Dairy Queen -1.83
Dairy Queen -15.33
Einstein -23.51
Einstein -7.74
Einstein -16.26
Einstein -11.94
Einstein -4.84
Einstein -4.84
Einstein -2.15
Einstein -4.84
Eurest Dining -4.04
Fuddruckers -27.79
Jack in the Box -11.82
Joe's BBQ -43.56
Joe's Crab -84.06
KFC -31.89
Las Taquitos -34.48
Las Taquitos -10.94
Las Taquitos -19.36
Little Caesars -15.02
Lucilles -55
Marie Callenders-15.45
McDonalds -15.89
McDonalds -3.35
McDonalds -2.84
McDonalds -6.5
McDonalds -3.56
McDonalds -7.11
Native NewYorker-34.05
Native NewYorker-50.46
Panda Express -6.86
Panda Express -8.16
Peter Piper -25.61
Peter Piper -17.84
Peter Piper -55.12
Red Devil -50.48
Red Devil -17.66
Sbarros -31.8
Scholars Café -6.34
Scholars Café -3.73
Scholars Café -2
Someburros -32.75
Sonic -7.78
Subway -17.94
Subway -20.11
Subway -4.84
Subway -3.02
Subway -20.38
Subway -31.78
Subway -21.4
Subway -24.1
Subway -20.96
TacoBell -4.72
TacoBell -12.58
Wendy's -14.65
Wendy's -25.07
Wendy's -19.06

TOTAL???
One Thousand
Three Hundred
Thirty Seven
Dollars
and
10 cents.

I suck.

=(

Credit Scores Update

October 9th, 2009 at 09:11 pm

Well, I finally had a chance to update our scores... There has been some improvement... not a whole lot. But, our paid and closed cards are not all reflected yet - I guess it might take some time yet. No worries, we have about 11 months before we will try to get pre-approved for a home loan. Plus, I finally printed and mailed off the credit agency dispute letters (remember that house in Wisconsin?)... So, in 90 days when we re-run them again - we should see some more improvement!!

Yay!

P.S. The scores have been updated on my sidebar.

Have Question...Need Help

October 9th, 2009 at 02:14 pm

So, I was checking the house phone's messaging system and there was a call for the hubby from a collection company.

I called them back... You know, with us trying to buy a house in 2010, we cannot ignore any calls or letters requesting money. To be on the safe side.

So, she explained that it was for an old cell phone bill, when she said the name... the first thing out of my mouth was "There is a statue of limitations." She said, "Yes there is - but only for suing. We don't want to sue you, we just want the money."

It's from 2000. It was $250. It is now $825.36. I've never seen it on my credit report, they can't sue... Not sure how to handle this one. I think first send back a letter requesting proof I owe it and proof that they own the debt. We've paid a lot of collection accounts over the past 9 years, this one could have been paid. I was shocked to even hear them say the name.

Your thoughts?!

TIA!

It's tough...

October 4th, 2009 at 09:37 am

We've been saving, plus we will have a snowball come this month to purchase DH a new to him car. We've been without a second car for a year now, and it's been tough on all of us. I am so ready to not have to drop everything and run when he's ready to be picked up (he doesn't work regular hours). I will have less stress, more time with the kids, more time for myself... and less stress (oops, already said that).

So the tough part! What to get? Our max is $4500. I am sure we can get something - but I also don't want to spend an arm & a leg over the next year fixing things.

Also, anyone have any tips for buying used cars? We refuse to go with a dealer - don't want to pay docking fees and such. We've always bought new... Not sure what to do!

TIA!
JJ