Archive for the 'Money Mistakes' Category

Organizing Equals Saving Money

I am an avid crafter and homeschooling Mom so you can imagine what we have in the craft room. It is a combo craft room, office, homeschool storage area. It’s the smallest bedroom in our house, which is still just a standard bedroom so it’s a decent size. The room is always a mess. It [...]

Saturday, November 3rd, 2007

Budget for Paint

In our budget we had two line items for paint – one for paint and supplies and another for payment for the guys we are paying to help paint (friends of my husbands) and food for them. I went today to Lowe’s to buy the paint supplies – and walked away after spending $150, my [...]

Thursday, October 4th, 2007

Reminded of Credit Card Debt

We were reminded of our credit card debt today. We had to call one company because they supposedly sent us a new credit card as the company was sold or the card was transferred. The representative was not helpful and in the end he canceled the not received new card which in turn canceled the [...]

Saturday, May 12th, 2007

Escrow Analysis

Is there a regular time of year when an escrow analysis is done on a mortgage account? At the beginning of March, when I went to make our payment, I noticed that our April payment would be almost $100 more then our usual payment. I called our mortgage company, Citi Mortgage, got the answers I [...]

Thursday, April 5th, 2007

Extra Money

Two months into the new year and we don’t have a budget that takes into account every penny of our money. We pay our bills, buy groceries, get cash from the ATM for gas and consider the rest extra. Of course included in our bill paying is more then minimum payments on the credit card. [...]

Monday, March 5th, 2007

Our First Roth IRAs

Way back when, in the summer of 2001, my husband reenlisted in the military. His job rate allowed him to receive a bonus payment for doing so and neither of us had ever experienced having that much money all at once. We didn’t blow it on toys, clothes, movies or anything like that ~ we [...]

Thursday, January 18th, 2007

My (bad) spending habits

Starting in February, I’m going to be out of the house at least three days a week. We already have gymnastics so adding another day for errands isn’t that big of a deal. But on Monday I somehow convinced myself that I *had* to have a Griffin Roadtrip for my iPod for the car since [...]

Thursday, January 18th, 2007

Auto Loan Payments

We are about two and a half years away from being auto loan free! I’m so excited. Starting in a couple of months we are going to start paying extra on our loan too. I’m not sure if we can double the payment but we’ll come close. I’m not thinking of the tax refund or [...]

Tuesday, January 9th, 2007

Charge off=BAD

It didn’t take me that long and even less time reading to come to realize that a charge off is a bad deal. I suppose I knew that before researching it – erasing debt doesn’t just magically happen AND become good for you! So now I am left to pay more every month. I am [...]

Friday, December 1st, 2006

Credit Card Chargeoff

Okay I have no idea where to even start looking for information about this, but I will later today. I got a phone call from my credit card company – it was MBNA, sold to Bank of America (or marged, whatever happened with them). I’ve had the credit card for 8 years now, I used [...]

Thursday, November 30th, 2006