No Pain | No Gain

A Paying Machine!

FunnyHoney@Q.com (JJ) — Tue, 17 Nov 2009 14:59:45 PST

Man, look @ my sidebar go... I have knocked out a BUNCH of medical collection accounts. All the ones remaining are with one company... I am trying to decide how best to attack those. I am starting by having the Credit Reporting agencies validating them... and will go from there.

Credit Reports...

FunnyHoney@Q.com (JJ) — Tue, 17 Nov 2009 09:59:04 PST

I've been playing with our Credit Reports for the last 3-4 days. For one, we are trying to remove that house/mortgage in WI that I mentioned in an earlier post, from my DH's file.

They removed the loan.
They then added the guys name to my DH's file.
They then removed the address,...

Hide and Seek

FunnyHoney@Q.com (JJ) — Fri, 13 Nov 2009 10:27:58 PST

I swear - it's so difficult to pay collection accounts. Having to track down some of these older companies is killer. It's like a game of Hide and Seek.

I managed to get two more accounts paid this week (updated sidebar). I have a good sized snowball at the end of the month that...

Eeeks - Credit Report Question

FunnyHoney@Q.com (JJ) — Thu, 12 Nov 2009 17:23:36 PST

So... I paid a medical collection bill that's been around for a while, but has NEVER been on my credit report. I paid the sucker... and now it was added to my report with a Zero Balance. WHAT?!?!

Is that right?

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Edited to add:

Pulled out the collection letter,...

Wow... it came and went

FunnyHoney@Q.com (JJ) — Wed, 11 Nov 2009 09:25:20 PST

November 7th came and went, anyone looking at a calendar could tell you that.

It's been a year since I restarted this blog... Since we decided to get serious AGAIN!

This time, it has worked. We are so close to our finish line, I think we need to get a little hardcore for the...

Bought a new Truck!

FunnyHoney@Q.com (JJ) — Sun, 08 Nov 2009 19:00:24 PST

Well, a new-to-us truck! It's a 2003 Ford Ranger...5 speed. Only one owner, CarFax was clean and guarenteed...My husband spied on it for days before we decided to test drive it.

Let me tell you, paying for a decent used vechicle in CASH is fantastic!! $3900. And I no longer have...

Eyes Wide Open...

FunnyHoney@Q.com (JJ) — Sun, 25 Oct 2009 02:14:28 PST

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...

Credit Scores Update

FunnyHoney@Q.com (JJ) — Fri, 09 Oct 2009 21:11:39 PST

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...

Have Question...Need Help

FunnyHoney@Q.com (JJ) — Fri, 09 Oct 2009 14:14:04 PST

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...

It's tough...

FunnyHoney@Q.com (JJ) — Sun, 04 Oct 2009 09:37:12 PST

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...

Dell is all that's left...

FunnyHoney@Q.com (JJ) — Fri, 18 Sep 2009 16:41:19 PST

Paid the remainder of the cards today... Dell is all we have left, and that will be paid in full, dead - next month.

Of course, there are school loans and my van... but I am not in a rush to pay those off. Our debt to income ratio and money to savings now is looking mighty fine.

We...

401K Loan

FunnyHoney@Q.com (JJ) — Wed, 12 Aug 2009 19:26:11 PST

Last year... I decided I needed to finally finish my degree. What was stopping me? $1015 I owed to the University. In the 3 years since I stopped going to school, I could not manage to pay that amount. When I realized I needed to get back in school quickly (to avoid credits expiring),...

And we're done...

FunnyHoney@Q.com (JJ) — Sat, 08 Aug 2009 09:26:59 PST

3 visits each, $500 dollars later, and we are done!

My daughter had to have 2 baby teeth pulled and a spacer put in. She also had one filling and several teeth sealed.

My son had 3 fillings and 3 teeth sealed.

Next... braces for him. That will cost us a pretty penny, but our...

Savings Speak

FunnyHoney@Q.com (JJ) — Thu, 30 Jul 2009 11:53:04 PST

So...as we are paying down the last of debt, I really would like to start focusing on savings. My goal is to save $700 a month in various accounts (for various reasons, i.e. short, mid, and long term). I have updated my side bar to reflect this goal.

I would REALLY like to start...

I should have married a dentist....

FunnyHoney@Q.com (JJ) — Wed, 29 Jul 2009 06:41:51 PST

"No, honey... I love that you work for a satellite company and we get free television entertainment. That is great, but..."

I took the kids (and myself) to the dentist last week. Not good. Those kids need to get better at flossing!! My daughter had to have two baby teeth pulled...

And We're Back!

FunnyHoney@Q.com (JJ) — Sat, 11 Jul 2009 08:59:52 PST

I had such a difficult time... we spent a lot of money! We didn't OVER spend, it was just expensive stuff. It cost us $220 for Sea World; but the kids LOVED it! We hadn't been since my middle child was 1... We probably won't be going again - so we considered it our last chance.

We...

Vacation and Stuff

FunnyHoney@Q.com (JJ) — Tue, 30 Jun 2009 20:26:21 PST

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...

We have a house in Wisconsin!

FunnyHoney@Q.com (JJ) — Sun, 07 Jun 2009 18:04:51 PST

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...

Credit Score Chart

FunnyHoney@Q.com (JJ) — Sun, 07 Jun 2009 17:49:59 PST

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

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,...

Strange

FunnyHoney@Q.com (JJ) — Sat, 06 Jun 2009 01:33:00 PST

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...