I paid Penfed completely!!!! SO in two weeks I will only have to pay $200 on my Old Navy Card, and I will no longer have any debts on my account which don't have a open credit line anymore!!!!I wonder how that will effect my fico, since I was told that it hurts my utilization, making it over 100% utilized...
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Uptomyneck's Blog
I paid Penfed completely!!!! SO in two weeks I will only have to pay $200 on my Old Navy Card, and I will no longer have any debts on my account which don't have a open credit line anymore!!!!I wonder how that will effect my fico, since I was told that it hurts my utilization, making it over 100% utilized...
Still making waves...with a little miracle to boot!
Posted by
uptomyneck
,
21 February 2012
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255 views
So I am still in the phase of snowballing debt, but I went through some issues with my son's school. Needless to say, I had to take him out, and borrowing my moms car was no longer an option as we needed it to be available to take him to and from school. So I checked my Transunion online via myfico, and low and behold I had a 663 or something. With...
So I made a budget...going good for a month now...
Posted by
uptomyneck
,
08 December 2011
·
97 views
Okay, so the budget thing seems to be working for me well. I have decided to split my paycheck into three different accounts. I keep BOA for mortgage and student loans and my sons tuition because they are all automatic. The other two are CU accounts, one for CC's and the other for Utilities and extra spending cash. So I am committed to putting...
SO I have made my first small steps this weekend. I paid once card down, and am trying to continue on my efforts to gain financial control again and forcing my CC debt down, so I can eventually save save save...My goal is April 2012 to be at least at 30% or lower utilization...when I started I was at 100 %utilization....Today I am at 96%...baby steps but...
Ok so I have the house, and I have been working on it. I am at 100% utilization. I cannot seem to get out of the water. I am also now in repayment of my student loans. I cant seem to be able to balance out or save. I sent my son to my moms for the rest of the summer to get my financials in order, and to try to get the rest of my house in order. SMH...
Wel as usual I lied to myself about not doing my taxes till the lats minute. Did them early, got the loot back on Friday. paid about half of my Penfed card off, and some on the others. Snowballing. Paid my dad back the money I owed him at a tune of $1500. And now I got my eye on this dining room set.Lil by little, trying to come correct for myse...
Back from LA, and boy am I tired. Got a nice suprise from the student loan people, and two of my loans are already in payment status again :(But its cool, cause its affordable, its just Im scarred at what it will look like when they all are in repayment status :OSo this month has started off right. Back from a work conference, paid a bill or two, and am...
Okay, so this monht is the first month in which I start my cc debt reduction plan...again. So I am starting to update my yearly budget, placing the payment plan in there, and including a small savings plan. I am also going to start looking at the options available to me in the form of paying back my student loans. As of right now, that is the only thin...
It was a crazy a crazy day yesterday. They quoted me over $1500 more that I needed which was due to a miscommunication. So I may be getting back a check from the escrow account!!!! Im sooooo happy, and I got a great rate. So next goal...50% Utilization of all cards!
Ok, so round 1.5 & 2 for appraisals. Monday morning came, and I found out that the seller didnt have oil again! So the appraisals were to be delayed! We are scheduled to close on Monday. My mortgage broker gets on it, and then he emails and lets me know that both are scheduled for today. So Im in deep prayer & OCD mode as of last night...
Recent Entries
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Still rolling in the snowball field...16 March 2012
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Still making waves...with a little miracle to boot!21 February 2012
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So I made a budget...going good for a month now...08 December 2011
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Small steps...14 November 2011
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Arh, Cant get outta the water!!!06 July 2011
Recent Comments
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Still making waves...with a little miracle to boot!uptomyneck - Mar 16 2012 10:41 AM
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Still making waves...with a little miracle to boot!beach70 - Mar 15 2012 03:49 PM -
So I made a budget...going good for a month now...Art_Vandelay - Jan 12 2012 11:27 PM -
We've Closed, and Im a Homeowner!!!!mysschevous - Jan 18 2011 03:20 PM
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Almost free of all Baddies!!!!jorasmom - Nov 17 2010 07:42 PM
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