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Archive for April, 2009

Help please I need advice

April 23rd, 2009 at 06:44 am

I got a surprise in my paycheck this week last paycheck I had to pay for my license renewal for work. My boss reimbursed me this paycheck I know I want to place it on a bill because the money was already accounted for. But I'm undecided as to if I should pay ahead on a utility bill or towards my debt snowball what do you think its $69 not a lot but something.

Student Loan Consolidation

April 18th, 2009 at 03:48 pm

Wow I haven't blogged since April 11th I'm slacking here almost 8 days and no blog. Well nothing has changed except yesterday after analyzing my student loans and finally figuring out that its hurting my credit score that I have 5 open installment loans because of it. So I decided to do a consolidation which I'm hoping and thinking that it will benefit my credit report. It will reflect the current 5 loans as paid in full and there will only be one outstanding with a balance. I'm very optimistic that I made the right choice also not to mention that it saves myself from writing 5 different checks each month. This week my aunty and grandma treated to a vacation (cost me nothing) and I'm very thankful as well. Although I'm missing my BF like crazy already but I'll be fine I think we need a break actually it sounds crazy but its true.
Have a great weekend guys!!!

Judgements Removed from My credit report

April 11th, 2009 at 11:33 am

Woo Hoooooooooo during 2005 I had stopped working and 2 of my accounts went into a serious derogatory status in which 2 years later they both placed judgements against me. I've since in the last 1 year paid off both. I disputed one item with the credit bureau because one judgement was showing twice on my transunion report the other wasn't listing that it was paid in full. Well today i got an email to review my dispute status and the account reported in error was removed and the other two were removed as well and both creditors deleted the orignal derogatory account from my credit file which gave my Fico a huge boost. I am so happy!!!!

PAID $126 Towards A Debt today

April 8th, 2009 at 04:28 pm

Actually towards my AACC Balance and now I have to pay $50 a month from here on out and as long as i pay the WILL NOT report this account to the credit bureau I'm so happy about that. I was so foolish in my younger days if only I knew back than what I know now. But we live and learn.

My Sunday

April 5th, 2009 at 02:54 pm

I've been to at four malls this weekend and did awesome I only spent $25.00 but bought four different pieces. Two dresses one shirt and a pair of ballet shoes. (lol) I'm scheduled for an oil change next saturday and literally 5 minutes before I pull into my parking lot my brakes are sounding really bad. I thought it was just me two days ago when I told my BF that my brake pads may need to be replaced. Sure enough today was confirmation so instead of $35.00 on car maintenance it'll be a lot more. But on a better note ALL meaning every single house hold bill is PAID until the middle of May. Also this payday coming up this wednesday I intended to Apply the entire check to debt pay offs. Which I still am but will have to make a few minor adjustments with the Brake pad situation. I also got a little "spring cleaning" in as well I've cleaned all the old clothes and shoes out of my closet and organized it alot better. I'm off to watch a Lifetime movie and revise this weeks paycheck spending plan. Have a great Day lovely people. (smile)