So, no one wants to give me a loan that would buy a decent house. (I'm not even asking for a lot of money either. I asked for less than the full amount I could fit into my budget!!) That means, I can't afford a house, but apparently I can get an apartment and pay utilities on it which, in this town, is paying the same amount of money, only the apartment isn't mine at the end of paying. It sucks, but it's what I've got to do now.
My next plan of action is to save as much money as possible over the next year, in case things are still similar and a bank wants to lend me money then. Hopefully, things are working out for the best.
Monday, June 29, 2009
Thursday, June 18, 2009
Making Extra Money
I need some ideas on how to make some extra money. I'm thinking selling plasma might do the trick, but I hate needles. Any ideas besides sitting on the street begging? (haha, although I might make more that way!)
I need just a little bit extra cash in my savings so I can get qualified for a loan. I wish they could just take my word for it that I am amazing with money. Maybe I should send them links to my blogs, and explain to them that I lived on nothing last year and still paid off $5000 worth of debt. Seriously. I don't think anyone else could do that. I hate that they use their computers to figure everything out as well. And I had to sit and wait on her for 20 minutes when I was meeting her on my lunch break. Apparently, no one can conduct meetings after 4pm.
Ahhh... so this turned into more of a rant, but I think I feel better. Hopefully things start to fall into place.
I need just a little bit extra cash in my savings so I can get qualified for a loan. I wish they could just take my word for it that I am amazing with money. Maybe I should send them links to my blogs, and explain to them that I lived on nothing last year and still paid off $5000 worth of debt. Seriously. I don't think anyone else could do that. I hate that they use their computers to figure everything out as well. And I had to sit and wait on her for 20 minutes when I was meeting her on my lunch break. Apparently, no one can conduct meetings after 4pm.
Ahhh... so this turned into more of a rant, but I think I feel better. Hopefully things start to fall into place.
Wednesday, June 10, 2009
My Current Money Plan
Wow. I didn't write anything for the month of May. I've really got to get back on this blogging thing.
Anyway, in financial news last month was awesome. My net worth jumped almost $1000 in one month. I was very happy about that.
As for debt, it won't be going down very quickly for the next few months. I have other plans for money right now, and it is save, save, save! Probably around October I will start paying double to my private student loan so that it disappears faster. It's currently near the $11,000 mark, but at 3%. That won't last forever though, as it is variable. I want that sucker gone before I get blindsided by some outrageous interest rate hike.
The federal student loan is basically treading water. I pay the minimum, and it pretty much covers the interest that has accrued for that month. I don't enjoy that, but it is the last thing on my list at the moment.
Anyway, in financial news last month was awesome. My net worth jumped almost $1000 in one month. I was very happy about that.
As for debt, it won't be going down very quickly for the next few months. I have other plans for money right now, and it is save, save, save! Probably around October I will start paying double to my private student loan so that it disappears faster. It's currently near the $11,000 mark, but at 3%. That won't last forever though, as it is variable. I want that sucker gone before I get blindsided by some outrageous interest rate hike.
The federal student loan is basically treading water. I pay the minimum, and it pretty much covers the interest that has accrued for that month. I don't enjoy that, but it is the last thing on my list at the moment.
Monday, April 20, 2009
It's like I have a life!
Last year I really didn't do much. But since I got my second job. (had to since I was losing part of my hours at my original job), and got a raise at my original job, I actually have some "spending" money. I don't know how I did it last year, but I'm glad I'm not doing it this year! hahaha It's nice to be able to go out to eat every once in a while with some friends, or to be able to do more 5ks (well, if I didn't have to work all the Saturdays that they happen!) and buy more groceries.
Yay recession because it's been good to me! hahahaha
Yay recession because it's been good to me! hahahaha
Thursday, April 2, 2009
Steady Progress
It's been a while since I logged in here, but I've been making good progress on getting rid of stupid debt. Plus, my CC debt is COMPLETELY GONE!! Woohoo!
I did take some money out of my EF to pay it all off for March. I went back and forth on that idea quite a bit before making my final decision to just do it. When money goes into savings, I hate taking it out. But I figured I could wait two months and pay it all off, plus $60 in interest, or I could pay it all off now, and put the money back into savings over the next two months and not pay any interest. I went with the latter.
Now that I have another zero, (first one was my car last April), I'm a little more motivated again.
I did take some money out of my EF to pay it all off for March. I went back and forth on that idea quite a bit before making my final decision to just do it. When money goes into savings, I hate taking it out. But I figured I could wait two months and pay it all off, plus $60 in interest, or I could pay it all off now, and put the money back into savings over the next two months and not pay any interest. I went with the latter.
Now that I have another zero, (first one was my car last April), I'm a little more motivated again.
Tuesday, February 10, 2009
Barely a Move
By the time I remembered I needed to update my networth iq page, I think I'd had two months worth of interest piled into the consolidation loan. That meant my update was rather sad looking. $68 dollars up. I guess at least it's going up.
Probably about to lose my job (or at least half of it), so February's payment to the CC will probably be the last big one, and it's not as big as I had planned on. I was going to send the majority of my tax return there. Now that return is going into my savings until I know for sure if I have a job.
Oh well, hopefully things will work out. February will look rather awesome though. I'm looking forward to that. Tax return plus I will have two extra days worth of working this month. (Yay for Sunday overtime!)
Probably about to lose my job (or at least half of it), so February's payment to the CC will probably be the last big one, and it's not as big as I had planned on. I was going to send the majority of my tax return there. Now that return is going into my savings until I know for sure if I have a job.
Oh well, hopefully things will work out. February will look rather awesome though. I'm looking forward to that. Tax return plus I will have two extra days worth of working this month. (Yay for Sunday overtime!)
Tuesday, January 13, 2009
They're worried about losing my "business"
It's been a while since I've posted here. I guess I'm just not so enthusiastic because it seems as if this is taking forever. But I had a funny story to share, so here I am.
I got some mail yesterday from the CC company. It said I had recently made a large payment, and they wanted to make sure they weren't losing my "business." Haha! They want to make sure they keep getting that ~$20 in interest every month. So, They sent me those checks that come with a 0% apr for 6 months or whatever the length happens to be. I was amused that they are so sad about $20.
Anyway, it is nice to see how far that CC amount has fallen. The student loan amount going up isn't making me happy, but it doesn't bother me as much as seeing a balance on a CC, even though both balances are because of tuition.
I got some mail yesterday from the CC company. It said I had recently made a large payment, and they wanted to make sure they weren't losing my "business." Haha! They want to make sure they keep getting that ~$20 in interest every month. So, They sent me those checks that come with a 0% apr for 6 months or whatever the length happens to be. I was amused that they are so sad about $20.
Anyway, it is nice to see how far that CC amount has fallen. The student loan amount going up isn't making me happy, but it doesn't bother me as much as seeing a balance on a CC, even though both balances are because of tuition.
Subscribe to:
Posts (Atom)
