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.

=(

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.

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!

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 ortho will take $100 a month until paid in full (no finance charges!).

I guess now it's MY turn (gulp - pain & money).

"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 3 adult teeth sealed (to prevent future cavities). My son needs a filling, some sealing done, and (dun-dun-dun-duhhnnnn!!) BRACES! I knew it was just about time, he is 13 after all.

We won't even talk about the fact that I need all 4 of my wisdom teeth pulled (yeoh!).

Being the kind and considerate mom I am, I allowed the kids to get their dental work done first (while we have the money). See, selfless.

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!!

Until then... Hasta luego!

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!

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**

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, I am dying to know what our August reports bring!

Wow. Since January... my 401K has DOUBLED. Nice to see it moving in an upward motion! I had taken a loan out last year some time, and I only owe $190 left on it. That will be another $30 in my check once it's paid off. Nice!

I am so very excited - I've updated my side bar to indicate another credit card has been closed. When I called just now, he asked why I wanted to close it.

I told him that I had too many cards, plus hated the annual fee (which is charged monthly). He laughed and said he would close it. I didn't think it was funny, but oh well. I am just glad it's gone!!

Logged in to view DHs paycheck tonight (he gets paid tomorrow).

He got a raise... comes to $60 extra per paycheck. That's NICE! Also, he got a little over $1000 added to his 401K for Profit Sharing...

This makes me happy!!

P.S. One more hour until I kill another credit card!!

We had a great weekend! We bought our little boy a bicycle trailer... it attaches to DH's bike. So, we went on our first official bike ride. The older kids had a blast, and so did Nic.

DH and I are super sore though. Maybe we went to far on our first time out?!

The trailer cost us $86 but I think it will get its use... and then we can always sell it on Craigslist (or something).

I did go shopping with a girlfriend on Saturday. We went to Old Navy and I picked up 4 tank tops and 2 summer dresses. I haven't bought clothes in forever. It was fun to shop and fun to stay on budget.

My daughter starts Softball tomorrow night. We had to purchase some cleats ($17.99) and some socks and shorts. We are going this afternoon to purchase a used glove for her. I hope she enjoys this! It will be so good for her to get out and meet other girls (and get some exercise in).

My DH found a scorpion in our garage on Friday. The kids are calling him "Woody." They have him in a glass jar. He gives me the creeps. I think he will be disposed of tonight (if I have anything to say about it). I will have to have maintenance come spray in there (if that even does any good).

Anyway - I feel like it's going to be a terrific week!

Hope all is well with all of you!

I made a stupid mistake. I paid a bill online using bill pay... we have two accounts, but only one is set up for bill pay. The money was in the other account - I forgot to transfer it over.

My bank paid the item. The same night, 5 Redbox (DVD rentals) cleared for $1.08 each. There was money in that account for those... but of course, they pay the largest item first... You know... they are doing me a favor! :/ I was just charged $35 for each of those $1.08s. I feel sick to my stomach. Sick Sick Sick.

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I am waiting for my tax refund... The IRS page isn't even locating it. It was filed on the 6th... I know it can take up to three weeks - but I would really like it NOW! lol...

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Darn, I still feel dumb. This just goes to show we need to make payday A LOT more simple around here. I need LESS bills!

OK... you know the extra $13 or so a week that is supposed to be in our paychecks? Well, it showed up in my husbands... He is salary and always gets the same amount. This time it was almost $30 more.

Well, I also got paid today, and my paycheck is EXACTLY the same.

Is my company stealing my $26? =) hehe..

Your thoughts?

I love it. Payday's make me so happy.
I recently posted that I would be paying off the $60 for Capital One on March 13... well, I completely forgot about our payday's today! So, it will be closed today!!

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This is sad.... Traffic was horrible and freeways were closed this morning. Some stupid-head (censored)threw a woman out of the car on the freeway, she was then trying to crawl her way to the side of the road, but was hit several times by oncoming traffic. She did not survive. =( What is wrong with people?

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Our weekends are packed the next several weeks! We will have to be VERY careful with spending... But we can do it!!

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I start training for my new position on April 13. Very excited about that. It's nice to know I can keep working on my Baby Steps!!


Well, off to go buy my team some Bagels (yes, I will be filing an expense report).

DH and I are on the same paycheck cycle right now. On Friday, we each get a paycheck and I get my annual bonus (kind of nice considering I have been issued a pink slip of sorts). Paycheck one is estimated, it could be more, but never less. Paycheck 2 is right on.


Here is what came of our Feb Pay 1 and 2 Budget meeting:

DH and I had a long talk last night (and this morning). We looked at a debt management program (CCCS-ish) again, and it just doesn't look like it will be worth it. We have the income, however, it was the crazy catch-up we have to do, that was scaring me. So, we came up with a budget we both agreed on - it's starts Dec 1. We will use his next two pay checks to ensure we are current on everything. And then.... we will put everything we have towards our very first baby step. Once we have that, I will implement my special savings plan (for all the fun on the left). For now, our EF is most important.



So, I had an interview with Bank of America today... It was my second, and if I did well enough, I will have another round. I need this job. It's been leaked that we won't be needed come February, so there goes my safe feeling (we were originally told 9/09).

I feel like I have to put some more away, just in case. Obviously.

....car alarm going off....knock on my door at 1am.

My car is gone. They came and picked it up. =(

We had no choice - but damn that hurts ones pride. I have never had anything like that happen before. They refused to work with us or help in anyway (which sucks because in today's economy, I am sure there are a ton of people behind).

We still have our Odyssey and our Ford F-150 (which is 10 years old and needs some engine work) - so we will survive.

I will never, ever, ever let this happen again.

For those of you who have commented on my previous post... Thank you. As I mentioned in a reply, those accounts have been open for a long while, and are on auto-pilot. The amount going to them is very little.

In the end, if I need money, I move it. I like having the separate accounts, because it motivates me.

In regards to Disney and Hawaii... I had them posted previously (a few months back) and I forgot to add this time around...



As you can see from a snapshot of my ING account - they have dates on them. If we are still in trouble at the end of 2010- we won't go to Disneyland. Simple as that!

lol... I promise... Having those subaccounts is merely a mind trick. I need it to keep me motivated.

I truly appreciate your thoughts and ideas. THANK YOU!