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Ebay items are selling!

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I’m making some sales on ebay for my IRS debt fund!  When I update the numbers later this week I will include separate entries for what I have saved toward the IRS debt and yes…the total amount owed to the IRS.  I don’t want to do it but I know I need to do it.  I’m motivated and I hope to be further motivated by the readers.  I called the IRS earlier this week and must say they are extremely reasonable and easy to deal with–and even if they are faking their sympathy for my situation, I’ll take it!  I’m kidding.  I don’t think they are faking it b/c they can see on their system what I’ve done to right the ship.  Anyway, I got $1700 knocked off due to the extension my ex-husband filed being only linked to his tax return and not mine. Because we filed that extension jointly but then ended up filing taxes separately, I had a late file penalty on my side. Once again it never hurts to ask questions!

Separate quick note…took DD to the orthodontist yesterday.  That’s going to cost $2800 divided by 2 (because her father and I split everything).  That was a slight bummer given my good news on other $ issues, but the orthodontist has no interest great payment options that should result in very manageable monthly payments.  BUT I HATE the idea of yet another monthly payment!  If my kids weren’t dealing with cross bites that if not addressed now could result in surgery down the road, I’d be giving this second thoughts.  It isn’t only a cosmetic issue for them and two dentists that I trust and the orthodontist have confirmed this.  Always looking for a silver lining though I am glad we will be done with orthodontic treatment for each of them by the time they are in 9th grade.  At least we aren’t going to be paying for braces that much closer to college?!  Okay so I’m grasping…work with me!  😉  DS’s second round of braces will start this summer and estimate for his is $3800.  Some of that should be covered by insurance but I asked for worst case scenario from the finance gal at the orthodontist so as to properly prepare.

Have a great Wednesday!

Great News from the Credit Union!

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I went into the credit union today to put the signature loan in my name alone–pursuant to the divorce decree.  While I was there I asked about options regarding both the interest rate on the loan as well as borrowing additional amounts to knock down one of the other two cards.  I am so happy to report that they lowered my interest rate to 4% AND increased the loan amount to $20,000!  I couldn’t believe it but then realized that I am better off standing on my own credit rating than combining with my former spouse!  Just another validation about the whole marital mess!

I’ll complete the final paperwork later this week and then make a payment to Bank of America to bring that balance down.  The BofA will continue to be my focus because A) the interest rate is the highest and B) say it with me…I hate Bank of America!  I’ll update the numbers when all of the transfers and such are complete.

Happy Day!  I’m feeling GREAT!  What a total shot in the arm at the beginning of this new year!