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Time to Check That Credit Score…

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I’ve said this before – too many times I’m sure – but consumers are entitled to one free credit report each year from each of the credit reporting agencies. This free report is only available from annualcreditreport.com.

I check my score once every four months from a different reporting agency. This report is a great tool to keep tabs on your information and to make sure no one is taking out credit in your name. Plus, this report provides a clear picture of exactly how much you owe and to who you owe.

If you are following my pattern, the credit report this cycle is coming from Trans Union. I would NOT recommend getting your credit score from this agency. Requests for scores from the report site route you to credit monitoring companies… and we all know how I feel about those!

When You are Desperate for Cash…

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As soon as my husband and I received our paychecks a week ago, I wrote a check for $1,000 to Toyota. If I don’t pay this chunk immediately, I miraculously find ways to spend it on anything other than debt reduction.

The VERY NEXT DAY, the electrical went out in our garage. My husband said he was more than willing to prolong repairing it but couldn’t because he thought it was ‘potentially life threatening’ blah, blah, blah.

I offered to avoid the garage area, the open electrical box, and the live wires near the light switch but for some reason, he didn’t trust me to remember not to touch the switch while hungrily running to the garage freezer for a pint of Ben and Jerry’s – plus, there was some mention of a ‘potential fire hazard’.

The cost of the repairs? $150.

The amount of cash in our account? $162.

The amount of food in our fridge? None.

Our grocery budget funded the repairs.

It’s times like these, we are supposed to dive into our emergency fund. Electrical/housing/safety problem definitely qualifies as an EMERGENCY but for some reason, I can’t touch that cash without feeling uneasy.

Instead, I looked around my house for something to sell.

My eyes fell on a lamp, still in the box with a receipt taped to the top, which I purchased 2 weeks ago. The lamp in our living room broke and all we have is a fixture with a bare bulb. I bought a $40 floor lamp from Target to replace it but felt uneasy about spending money so I left it in the box while I debated it.

While I stood in the returns line to get back some cold hard cash for groceries, my sister called. When she asked what I was doing, I told her I was returning a lamp for grocery money.

You know you’ve reached a certain consistent level of crazy when your sister doesn’t hiccup over the above statement and simply says, “Cool. Anyway, are you coming to mom and dad’s today?”