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Gettting New CC #

February 9th, 2011 at 08:10 am

I went online to see how much I needed to pay on my CC. I have not been using my CC. I have been using my debit card. BUT I had a refund that I used my CC to purchase and so I used my CC so that I could get my money off the card.

I ended up using my card for $19.82 more than I had on the card. So when I get paid on the 15th I will schedule a payment for the future. I noticed when looking online that they cancelled my current CC # and within 20 days I should get my new card and will need to activate it.

Normally I hate non-company data comprimises that cause me to need a NEW cc number. The last time was when I was out of town on flood duty and I was using that card for food and necessities and it was a pain in the butt to worry if I was going to get home before the CC sat in the mail box for days or before I ran out of time on my CC. I was on night shift and so getting to the bank and pulling out a bunch of cash out of checking to pay for meals was not ideal.

But today THIS New number makes me happy. Why??? Well it makes me happy because I was divorced 9 months ago, Part of me has wondered.... Is my credit card number "Remembered" somewhere in one of the many online websites my Ex-Husband visits? Well now it is no longer an issue. I also cancelled my netflix account about 9 days ago so I have no more revolving payments on that card. I suppose I could have just asked for a new cc number a while back. But that seems like such a pain in the you know where just incase the number MIGHT be stored somewhere.

I was not afraid my EX would intentionally use my number if it had been stored somewhere, I was more afraid that he might forget to review the payment section and charge it to my card without realizing it.

But now it is no longer an Issue. I wonder what my new CC is going to look like? I know that seems silly BUT I like my CC and my Debit card to look as different as possible. Have you ever used a card and then was like....OH Crud I used the wrong card. I did that with my Work Card once, I don't even know why my Work card was in with the rest of the Cards cause I normally keep that in a different area. But having them look nothing alike is NICE.

Thank you!!!

September 3rd, 2010 at 06:45 am

Thank you all for you advice on the mental issue I was having regarding the lack of deck or fire excape as I was looking at it.

""I honestly don't think Dave Ramsey would say it is okay to borrow money for a deck. However, he might think it a safety issue and a priority. He would tell you to take a second job, sell everything you can and use the cash on hand you have. In other words, everything you can think of doing before you would go into debt further."" (Need to go back later and give credit to the poster)

I wanted to post about what I am thinking of doing to get my EF funded.

First: I have responded to an ad online looking for a roommate. I am thinking that for a while I will rent out a room in my house. This is not nearly as much money as a parttime job but after you deduct all the costs with parttime work it would be about half of what my take home would be, equal to it IF I could rent out two rooms.

I am going to look into seeing if there are any jobs in town that I could work from home. I would like to pick up a second job but because I would have to line up daycare and it would have to be when I am not working my primary job it would make it not super easy to do. I also have to get approval from my employer to work outside my home so I am thinking internet in the evenings. If I can find something internet than even if my job took me out of town as long as I have internet acess I could still pull in work. Or the job would have to be one where I could bring my son along (part-time evening nanny).

I have a few items I could sell, I just had a rummage sale and plan to have another next summer for the small things. I need to put ads out for the few large items I do have to sell to make a little money.

Okay now thirdly the "Use the money you have" The point of an emergency fund is to plan for unexpected events. Truthfully My job is secure I have a contract (just not the orders yet) for a 6 year position. So the Emergency Fund is fine at 3 mths. The Escrow and Mortgage do need to be at 12 Months because the posibility of needing to have then autopaid for extended periods without me being able to oversee it are more likely.

So I am going to buy the 3 rolling ladders
then I am going to continue to work on increasing income
then I am going to save for the Mortgage and Escrow.
then once those are at the 12 months I will save for the Emergency Fund and deck.

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The only blip that is going to be on the horizon is in Dec. I NEED to have a months cushion in my checking account at that time as that is when my contract moves from old to new and pay is ALWAYS messed up for atleast one pay period where you end up waiting on the first check to cut.

Dave Ramsey Followers question

September 2nd, 2010 at 11:45 am

So I am punching numbers.

I have the following question, Building your Emergency Fund is a step 3 item, Debt reduction being step 2.

Where would a house repair that is not really a repair fit in?

I have desided that all my extra $ over the next few months is going to the house savings account that is basically the money I would need to shell out if I had to claim something on my house insurance until it is finished.

Then I need to figure out a plan of attack. See I do not have a deck on my house, I have owned the house for 3 years, we were able to purchase the house without a deck BUT we could not resell the house without putting a deck on the house or putting an ALLOWANCE into the selling contract so that the city knew it would be completed shortly after sell.

It is a safety thing, If there was a main floor fire at the front of the house and we could not exit out the front door, then it is a 2 story drop to get out of the house without the deck built. I want to get this done ASAP but not sure how to prioritze it.

Is building a deck a DEBT because technically it should have already been done for safety reasons and me be paying it off. Or does it fit into step 6 paying off your home early because it is something that needs to be done to the house.

I was thinking maybe it fit into the middle gray area somewhere. I was planning on trying to pay a percentage to the Emergency Fund, The Mortgage Fund, the Escrow Fund and the Deck build. But I figure I have about $450-$500 per month that can be spent/saved IF I am gazzelle intense. If I do the % then it will take me 5 years to finished all them and the deck then move on to the next dave ramsey step.

The problem with that is I hate thinking that I am putting my sons safety at risk for 5 years when if it is a DEBT catergory item then it would be saved for in 21 months or Approx August 2012.

Is there anyone out there that who just wants to slap me and say get over it, it is a safety issue who care what dave ramsey would think and you should take that CC that has a limit high enough to pay for the deck and build the thing financing it at 9% and be done worrying that a fire is going to come along and then it will be a debt to be attacked.

Please help me deside.

September Budget and Goals $303.22

August 23rd, 2010 at 09:32 am

I have been thinking of that $260.82 that I have budgeted for food/gas/daycare/misc for the rest of August and all of September.

Yesterday I returned the Humidifier that I had purchased for my sons room in a hope that it would help with his nearly daily bloody noses. Well it was a replacement for one I had tossed out because the machine was just getting gross and the filters were expensive. Well this new one was basically the same thing but without a filter. The old one would turn off once the sensor noted it was at the moistness level selected. This one only had three settings instead of a continous slider. Well the first morning of use I came into the room and there was a good 2 inches of water on the floor by the machine. I put down a towel from that point on but I was a little freaked out since that could have ruined the floor.

The machine was pushing out water instead of misting, yesterday I pulled the machine apart to drain it to return since I was not pleased with it. It was had mold growing. I was not able to remove the mold from the inside of the main compartment: no wonder my and my sons alergies were acting up big time.

Well I have desided to just try to limit use of the regular Air Conditioning so the air doesn't get to dry instead of buying a new one right away. The return was $42.40 which means my Sept Budget is now $303.22.

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Today I have a few more returns to do which will increase my September Budget.

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Finally I need to buy a few grocerys: flour, eggs, Bread. I am planning on doing a raid the pantry/freezer/fridge challenge. I am going to see how long I can go without buying any groceries. I am allowing myself to buy flour, eggs, soymilk and bread BUT anything else such as tomato paste or whatever to round out a receipe is going to be limited to $5 a week.

August 8-23-2010 $ until 1 October 2010.
303.22

Rummage Sale Recap.

August 21st, 2010 at 06:32 pm

Well today was Summer Rummage Sale #2.

I was hoping for a repeat of #1 with enough Profit to pay off the Credit Card Balance for this Month. Basically $205 or $265.

I was short $265 for my Credit Card Payment that is due on the first. I remembered my savings account that I am "Paying the banking Game" with (cant close until November but has no minimum balance IF I have a automatic savings transfer) and transfered out the money that the day before got automatically transfered over so really I only need $205 to pay the Bill.

In my mind a desent sale for 9 hours is $100 everything above that is extra awesome; well I brought in $86.50 so I was a little disappointed but on the other hand my other goal was to clear out clutter.

My Boyfriend brought some things over of his parents, their profit was $57 so technically I made the $100 minimum I like. It just was not my $100.

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Lesson Learned,

The free website I used just created a NEW layout and I dont think it is as user friendly as the old layout, so that Might have affected sales.

Number two was I waited until Friday to post my ad and others that might have been planning their shopping might have missed it if they did not check friday afternoon for the Saturday Sale.

Number three: The first customer asked if i had had a sale a few weeks prior, it was a month prior then I did have alot of drivebys (cul-de-sac so easy to tell) so I might have missed a few people who did not want to stop so soon again. A May/June and a September sale like the neighbors might be better IF I am going to do two.

Number four: the neighbor puts up a sign on the other side street, i might want to invest in some signs with metal legs and post on the other street also.
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I have decided even though I still have a lot of stuff left I am not going to do another one this year. I am going to neatly pack it up and a few items I will individually post on the free website everything else will either be packed for next year or if the neighbor still will let me add it to her sale; it will have one last harrah.

This means I can cash in my Rummage Sale Starter Bank. I usually start with $67.50 Basically One roll each of Quarter, Dime, Nickels and Pennies 4 $5 bills and 30 $1 Bills. I keep Extra $1 bills and Coin Rolls in the house and so when it was all said and done Monday when I take the Starter Bank and Profit to the bank I will be depositing $231.00

Yeah that means I have enough to pay My CC statement Balance in full and I have $26 to apply to my Bill next month or to my Food/Gas/Daycare/Unexpected Money for September.

Tomorrow I start to pack away the stuff and clean up my house. That is another reason I do not want to do another sale, I had to raid the house of every flat surface to put stuff on and so I made the house messy and I want to get it clean and keep it clean. Basically the point of the rummage sale to declutter, but it got worse before it got better.

Spending and life Update including 529 Account.

April 26th, 2010 at 10:40 am

On Friday I had that light bulb moment....

Everytime I have successfully lost weight and kept it off for a while I have
#1 took a diet pill
#2 Counted Calories
#3 drank at least 8 glasses of water a day.

Well Friday I went to the store and picked up some SlimQuick. I am liking it so far. I really like how I feel less tired. I was looking through the information and I noticed the appitite supressent is a differnet/additional product. So I went back to the store to pick some up since I have that problem.

Well Wal-Mart did not have it BUT CVS did. CVS had a label on another SlimQuick product that said in small print ALL slimquick Product. The Label/Tag was Buy one get one 50%. So when it did not ring up that way I asked and after a little wait I got my 50% off.

I am down 2.4 pounds since starting the pills and appetite supressent. I am down 3.4 pounds since Friday Morning!!!

The appetite supressent drink mix Tastes NASTY!!! No wonder it is everywhere on EBAY. I have decided to use it once a day only as the pre dinner item because I get SO hungery then I could eat a horse. This means I will have enough for 27 days. Hopefully by then my stomich will shrink and I will not be as hungry. So I will not have to buy more.

I need to buy more of the pills though. I will be checking for coupons and sale prices. I just bought the first bottle on Friday so I have some time before I need to buy more I just want to get it purchused before I run out so I can save $$$.

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I have been drinking my 8 glasses of water a day, actually I am at 10-11 so I am in the bathroom like a pregnant lady.

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Counting calories...Yep I am doing it. I am eatting the same thing for breakfast everyday, then lunch is soup, then dinner is a meal that changes. By repeating the breakfast, and lunch it makes it easier to do the calories....You just figure it out once and you are good.

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Today the countertop people called, so hopefully we should be getting it installed this week. Tomorrow the guy is installing the door upstairs.

This means that all I have to finish on the house is staining the front steps...Oh it snow this morning. So I need to wait now. Got to love the weather.

I want to pick up some rocks for around the house. It will depend on how long it takes to sell the house but I would like to atleast pick up enough for the front of the house and the side by the garage.

My STBX is freaking out about the house not selling. Now he has forgotten that the Realtor said most houses are selling in 80 days and instead has in his head that she promised before the end of April (she said she hoped the Tax credit might prompt an FAST sell).

We have a Open House last night and 10 couples came to see the house. I bought my son new shoes since the seams at the toes of his other were torn. $25 total after tax, I could have gotten cheaper if I would have went to the mall or Wal-MArt but he Loved these since they are like his Daddy's.

No news on the Divorce Front...Well Actually last Thursday I sent back the form that says I agree to the fees. So hopefully that will be done soon. My STBX is running up his Credit Card...He is charging Alcohol and tabacco and getting cash advances to buy those things. He is spending an average of $20 a day. I should just not worry about it BUT part of me worries that at the last minute I am going to have to deal with it.

Today the disk drive on his laptop is stuck. He has two desktops, one that works and one that needs repairs. So his answer to the laptop is he plans to go to Wal-MArt and buy a new one with his credit card and throw the old (1.5 years old - desert conditions) across the room.

Whatever.......I really need to not worry about his issues BUT I am playing the What if game. What IF he doesn't sign the papers and wants me to pay off half his credit card bill. (In his Name Only and Charging Nothing of value.)
****
I stopped putting money into the 529 account for me son. I then changed the deposit allication for new deposits. WHY because once we sell the house and deposit the sales from the house It will be invested as a seperate investment fund, that way the money from US is seperate from MY $. Once the House $ is deposited I will then change the allication back to the prior funds and I will put new MY $ deposits into the other fund.

That way IF something happens and I need to use MY money for Me for College it is seperate from the Joint $ for Little Boy. I have also desided for the time being that I am not going to put anymore money into the college fund. I have a option that might open up in the future to finish funding it so for now I will use the money for other goals.

The realtor called; adventures in money management

April 1st, 2010 at 06:32 am

The realtor called back last night. So this means that I cleaned the kitchen. Last night I took a Mr. Clean Magic Eraser to the appliances and the fronts of the countertop. I love my Mr. Clean Magic Eraser.

The Kitchen is looking GOOD, well as good as it can with needing a new countertop. The guy to come measure the countertop is suppose to call today at the latest to schedule a visit within 5 days of the call. So hopefully we can give the realtor a ballpark on when the countertop will be done.

The rest of the house is a MESS, so nothing like motivation to get the ball rolling. I have until 11am on Friday to get this house Sparkly CLEAN. I am going to pull an all nighter. It will be done.

I am going to go rent a storage unit on my lunch hour today, hopefully I can get some things moved to the storage unit tonight. I plan to put stuff in, get the house sold quickly; and if once the house is clean I will work the items out of storage into a rummage sale like I planned.

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My husbands first deposit into his new account was suppose to go through today, well it is only 8am and he is at the bank being an ass because the money is not there. The teller told him it could be two days before the deposit goes through.

I am thinking it will show up later today or as a pending for tomorrow. Not a big deal for me as I normally pay bills so I know these things happen and you have to learn how direct deposits affect your account before you can get into a rhythem.

My husband is crazed because it is the first and he used to get his allowance and his gas money on the first. He claims he needs gas money but I know he is itching for his FUN money.

I have been trying to let him figure out his problems but rather than deal with it I said "Honey, why dont you use your credit card to buy gas?" "Then tonight or tommorrow when the deposit posts you can go online and pay the charge". Surprizingly his answer was "you can do that?"

Yeah gonna show him the art of paying a credit card online, but once he opens his online account he is going to see his "Concert Money" sitting there in his savings account and hopefully he doesn't burn through it before the concert/college road trip.

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Today I need to call the school, I hate how whenever they do any kind of fund raiser it takes FOREVER for a check to clear. We wrote a check on the 17th of March and it still has not cleared. I am going to ask IF they have processed it or if they are holding it until they have all the checks for the yearbooks. If they are holding it I am going to ask to swap out the check. That check is the last check I am waiting on clearing before I can close the joint checking account.

I have desided to close the account and then get the remaining money and then we can use the cash to pay the bills, or we can use our credit card to pay the bill and then deposit the cash into our individual checking account which we will use to pay our individual credit cards.

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Asked my husband to see his former employer today about getting his job back, if nothing else until he starts a different job. Murphys law is once you take that first job other offers come in and so that would be win win! Hopefully he will remember today since he has a doctors appointment this morning and the rest of the day free.