Archive results for “January 2010f 2010”

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Time to check that credit report…

Every four months, I check my credit report from one of the three credit reporting agencies. Consumers are entitled to one free report from each agency per year – and I’m not one to let ‘free’ go to waste.

This month: Experian

I discovered the credit reporting agencies are getting a little sneaky. It’s becoming increasingly difficult to navigate these sites to find the free reports. Be careful where you click!

Posted by Beks on January 7, 2010 at 5:00 AM in Credit Cards, Credit Reports/FICO | 11 Comments »
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Perhaps a trip to the doc is in order…

I’m a relatively patient person. When it comes to getting sick, I tend to wait things out or try my best to remedy problems myself with healthy foods, large amounts of water, and lots of sleep. It’s always worked in the past but…

I’ve been coughing… for 41 days.

I wanted to see a doctor about 3 weeks ago but our company was undergoing a major healthcare change and we were covered but didn’t have valid medical insurance cards. We were told to see a doctor if necessary and we would ‘likely’ be reimbursed for our expenses….Yeah. I didn’t fall for that either.

I decided to wait it out until my health insurance card arrived. Maybe this was a poor decision.

Especially since, today, my doctor told me I have pneumonia.

Oh but wait. There’s more.

My pneumonia initiated asthma.

The funny part about this is – I’m relieved. I’ve been feeling ridiculously overdramatic for the last few weeks as I cried because I couldn’t breathe and couldn’t stop coughing. My tears and misery have been vindicated!!

I’m off to take an insane amount of pharmaceuticals and sleep the week away.

Posted by Beks on January 5, 2010 at 8:59 PM in About Me | 14 Comments »
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Debt Update…

It’s time to update our numbers! Our progress slowed but at least we continued to move in the right direction.

We’re nearly halfway through our debt free journey!

Original Debt: $38,495.86
Paid: $18,212.82
Remaining: $20,283.04

Broken Down
Auto Loan 1: $0
Credit Card: $0
Student Loan: $9,608.58
Auto Loan 2: $10,674.46

Posted by Beks on January 4, 2010 at 5:00 AM in Debt Updates | 13 Comments »
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Time to set your financial 2010 goals…

Just as I like to look back at the lessons I’ve learned over the passing year, my Type A personality likes to set goals for the coming year.

My top four:

1. Replenish savings. Our bank accounts turned to rubble after the job loss and I find myself uncomfortable without a safety net. We do still have cash – but a trip to Taco Bell for two 89 cent burritos may cause an overdraft.

2. Pay off at least $19,000 in debt. We paid down over $17,000 this year and I think we may have a chance at $19,000 if we are able to keep our jobs.

3. Continue to find ways to live below my means. To start the new year off in the right direction, I registered for classes at our nearby community center rather than at a community college. I won’t get college credit (I don’t need it since I already have a degree) but I’ll save around $300 a year without having to give up my love for learning.

4. Take another budget vacation. Tent? Cheap motel? Roadtrip? Become a train hobo? Whatever we decide, it will be an adventure.

Do you have your goals planned for the year?

Posted by Beks on January 1, 2010 at 5:00 AM in General Debt, Saving Money, Spending Money | 23 Comments »
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