"Riches cover a multitude of woes." - Menander

New Checking / CD, Beet Juice

February 21st, 2018 at 07:19 PM by Laura

So I scoured Doctor of Credits site today looking to see what I could do now that Northpointe is defunct.

I thought about doing the Chase checking/savings offer, but was sadly informed I couldn't since there are no Chase branches in my area.

So, the other one which looked promising - Christian Community CU - $200 bonus w/direct deposits, signing up for estatements, etc. Must keep open 6 months. Avoid fees with balance of $1500.

Plus, a 18 month 4% CD for up to $2500.

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February 21st, 2018 at 06:10 AM by Monkey Mama

I know more on the work front, though not much. The business is being sold. As is, job/salary will remain. Will I still want the job, is another question. I always presumed NO. But as MH is still figuring out his next phase, it might be worth sticking around and seeing what happens. The latest means that we can probably stick with initial 18-month timeline for MH to figure out his job situation. Phew! I am not holding my breath about anything, for now. Sale has to go through...
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A Long Day, But With Free Dinner and a Bonus!

February 21st, 2018 at 06:08 AM by CB in the City

It was a long day yesterday. I picked up the boys at 2:30. It was pouring down rain, so even though it was warm, there was no outdoor fun to be had. I took them to their home, and badgered them to do their homework and practice their instruments. At five, GS1 was picked up to go to baseball practice and he was returned at 7:30. I made the dinner that DIL had laid out: spaghetti & meatballs. (What a week for spaghetti!) At 8:30 I got them into bed to read. DIL came home...
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Finally! A Raise!

February 21st, 2018 at 04:42 AM by Trying to Get Ahead

We finally got our raises at work. Mine was $3.85 per hour higher and I am so happy! The raises were effective July 31, 2017 so on this paycheck, they retroactively lumped what they owed in the paycheck so I have a huge chunk. I plan to apply half that lump to my EF so I will be halfway to my annual goal. From what is left, I plan to divide into payment towards my CC debt and also to beef up my sinking funds.
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After School

February 20th, 2018 at 06:45 AM by CB in the City

Today I'm doing after school care for the grandkids, on until bedtime. Son is traveling, DIL has a work event that will last till 10 pm.

That will mean figuring out a dinner for them. I have a box of mac & cheese, but now that their appetites are growing, that won't be enough. I may just get another box and fill in with applesauce, etc.

Yesterday we all went to Noodles Etc., because GS1 had a gift card. We stayed within the limit, so it was a free meal. I parked in the...
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Running scenarios on rental income, stress test was wrong

February 19th, 2018 at 03:10 PM by Rachael

Hi all

I figured out finally why my stress test looked so low. (been a stressful few months.. must have gotten mixed up). I multiplied my total rental income by 30% instead of 70% to get a rental income with 30% vacancy (dooh!!)

Anyway here is where I am with vacancy at 33% and current costs.

I check every year if I can cut utility costs and food and misc. I will check that now. I generally do not run credit card debt but have some now w the 2 flat. Also should be able...
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Rug Doctor, etc

February 19th, 2018 at 01:29 PM by Laura

Seeing as though it's a long weekend for me, and my friend is coming a week from Monday - I had a long list of things to do.

What I have accomplished so far:

Spent a total of 3 1/2 hours vacuuming ... vacuum wasn't cooperating at first, and then I had to keep stopping and cleaning it completely out. The joy of cats.

Spot treated the carpet.

Scrubbed the tub.

Hung the mirror in the dining room (second mirror doesn't have hanging wire, so am forgoing that project for...
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I am royalty?

February 19th, 2018 at 08:07 AM by Rob62521

A number of years ago we were going to travel to New York and one of our stops on the tour was Ellis Island. I just knew my dad's maternal family came through there.


They came through Boston. It took a quite a bit of research to find this out, but I finally did. I'm am, of course, struggling with the research because I have no family members alive since my folks were older when they had me and most of the family was gone by then.

Of course being frugal, I wasn't...
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Monday mentions

February 19th, 2018 at 06:17 AM by PatientSaver

I've been feeling so impatient waiting for the wheels to churn with my pull-back in work hours. I raised the subject with my manager late January, and they finally will be discussing candidates, and who to call in for interviews, no doubt, this Wednesday. I had hoped to begin abbreviated work hours sometime in February.

I suppose it's still possible if they meet on Wednesday, schedule interviews Thurs/Fri, and have someone start on Monday.

I've recalculated some numbers to...
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Presidents Day

February 19th, 2018 at 05:01 AM by CB in the City

I'm going to take care of the grandsons today from nine till two. It's President's Day. I don't know why my son isn't available, but I assume he is traveling or interviewing.

I didn't sleep well, so I hope the day will go well.

It is free museum day, but I fear the museums will be so packed with kids it wouldn't be worth it.

The healthcare nurse came around noon yesterday and gave me a clean bill of health. The $15 gift card will arrive in the mail in a couple of weeks,...
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February 19th, 2018 at 02:42 AM by Sarah

I've been paying into a private dental plan for years. Well I recently found out that I'm entitled to free dental treatment due to low income. I have a card that means I'm exempt. We've had them for a couple of years, but I just thought that I still had to pay the plan. Goods news is that I don't. It'll save me £13/month.

Any money that I can save is good because redundancies are happening at work. The company used to be flexible, but they're just not now. Sigh. I'm just pleased...
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Stress, Sickness and Job Search, Oh my!

February 18th, 2018 at 03:20 PM by HouseHopeful

I have been putting so much pressure on myself. The job is ending in May, I currently have unlimited overtime and I personally pressure myself that every hour unworked is $31 (after tax and 401k) 'lost'.

I have been working between 10-20 hours of OT a week, but it just isn't always possible or healthy for me to do.

Two weeks ago, I worked 24 hours of OT. This last week, I was planning 20, but life kept popping up. I started stressing myself out and my anxiety and health...
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How Did You Win with Money This Week?

February 18th, 2018 at 01:52 PM by Amber

Proud to say that I've won with money this last week.

One, I paid off a CC 💳; two sold an item on offer up for $15; and lastly packed water, soda and a fruit cup in case I got thirsty or hungry while taking a two hour drive. Packing these items saved me from impulse buying.

How did you win with money this week?
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Sold 🎾

February 18th, 2018 at 10:13 AM by Amber

Finally sold the tennis hopper and balls 🎾

I'm adding the $15 made to the EF, I've decided that no matter what, I'm going to add to my EF each pay period at least 2% of my net income, and what ever else I sell will go to the EF.

I remember my dad saying once that if you put $10 out of your check each pay date and save it, pretty soon you'll have so much money that you won't want to touch it. Since I lost my dad, I've been determine to make him proud about what I've...
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Waiting for the Nurse

February 18th, 2018 at 07:57 AM by CB in the City

The nurse, that is, that is doing my health assessment so I can earn a $15 Walmart gift card.

She called yesterday and left a voicemail message to change our window from 2-4 to 11-1. I tried to call back, but she didn't answer and her voicemail mailbox was full. So I texted her that 11-1 was okay. I did not hear back, so, actually, I have no idea when she's coming! It doesn't really matter, since I don't plan to go anywhere today except to the gym, and I'll do that whenever...
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Mid Month Spending

February 17th, 2018 at 03:44 PM by Wink

With all of my standard bills paid already for the month of February, I am left with $141.75 for the rest of the month to stay below my goal of $1000 spending for the month. I have one more doctor's appointment this month so that will be a $10 co-pay, and dinner plans next Saturday, but it's just at a local pub so that will be minimal spending. I have a full tank of gas, and the fridge and pantry are pretty well stocked so other then some minimal grocery shopping I shouldn't have...
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Spring Break Trip with Miles

February 17th, 2018 at 03:21 PM by Creditcardfree

I just booked our oldest daughter's flight home for spring break. She will fly Southwest Airlines. I used points we accumulated on our Southwest Visa during 2017 to cover the cost of the flight.

Almost Free!

I did pay for Early Bird Checkin, which is $30 roundtrip. If I were flying alone, I'd skip it, but as a young adult she does like the ability to pick her seat early so she can get off the plane quickly to get to her connecting flight on time. It basically is paying for...
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Rollover (Direct Transfer)

February 17th, 2018 at 01:10 PM by Terri

So after some back & forth with Vanguard (mostly on my part) they finally responded to my latest inquiry that I have received all the monies from them that I am eligible to receive. The remaining balance I will transfer to my TSP as I 1) like to keep my money consolidated in my 2 retirement accounts, and 2) I was not eligible to keep my money in my employer's plan. It is only about $600 and i have already initiated the direct ransfer of funds. Hopefully it will be completed by...
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It's Better To Pay Off CC4

February 17th, 2018 at 11:06 AM by Amber

Well after almost 30 minutes on the phone I was able to find out what my purchase interest rates were on both CC4 and CC5. Unbelievable, it was like pulling teeth and not being a dentist 👩🏾‍⚕️

Strange thing is, the statements only provide cash advance rates (never took a cash advance) but no rates for purchases. Long story short, it's better to pay off CC4 💳. I realized that the $1,000 from the tax return will be better served if thrown at CC4. So that's what...
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Free Breakfast and Movie Spending

February 17th, 2018 at 06:11 AM by CB in the City

I took my grandson out for breakfast at IHOP yesterday. He had a gift card to use, so my outlay was .04! Actually, .03, since I found a penny in the parking lot.

But I did indulge myself later when I bought the movie pass for the Oscar-nominated movies. It was $37. Now I will have to be vigilant to catch them all and make the expenditure worth while. I put all the times on my calendar, leaving off the showings at 10 pm which I know I won't attend.

I paid my property...
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