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I Spoke To Soon …

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I wrote that beautiful post about praising our car, and my husband comes home from picking up my son from school. “Hey Dear…” he yells up to my office, “the check engine light came on in the car.”

Oh, crud.

In the past for all of our vehicles, the check engine light coming on meant needing a small part replaced that cost a lot of money. Of course, I hope this time will be different, and I am going to try my hardest NOT to put the expense on a credit card.

Really though, there are a million other things my husband could have said when he came home. Among them being in an accident or someone getting hurt.

You know what, the car repair will be a small hurdle to get by before being able to pay more towards the credit card debt. But when I think of what my husband could have said (and didn’t), I feel pretty darn rich.

It’s always good to keep that in mind.


Betray Me and I Get Bitter …

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For those following my blog, I’ve been having a dilemma. What credit card do I pay a chunk of money to? Yesterday I chickened out and cancelled the payment to Credit Card #4 because I started thinking the money was better off going towards Credit Card #2.

And guess what was in the mail today? My statement for Credit Card #4. The buggers raised my rates up to 15.74% (up from 14.99%). Not a huge leap, but an increase. I did get something in the mail last month about the card now having a variable rate, but I put it in my “to do” pile and didn’t look further into it.

I’m a little disappointed. I’ve had this card for about 8 years or so, and it was the “steady eddie” card. It always has been 14.99% – until now that is. My other cards have pulled me through a loop, but not Credit Card #4.

If I sound like I am getting mushy here, I am. I feel like I have been cheated on by my credit card. After all of these years…

So, decision made. The money is going to credit card #4 because I don’t like feeling betrayed. Credit Card #4 – you are the weakest link…goodbye!

Technorati Tags: credit+card, credit

It Was Scheduled to Transfer and I Couldn’t Do It!!

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I am starting to wonder what the heck is wrong with me. I have had plenty of time to think about what to do with a refund from my credit card. I received some great comments when I posted my dilemma earlier on my blog, and I had the $5,600 all set and ready to go to Credit Card #4. The payment was scheduled for tomorrow.

Then today, I got real nervous. I almost wonder if I was starting to have a panic attack. Doubt filled my mind and then I started thinking of all of these reasons why I should pay Credit Card #2 instead.

Ugh. This is annoying. I don’t think I have ever been so indecisive in my life. Wait – who am I kidding? I’m about as indecisive as they come sometimes.

I don’t want to bore everyone with the thoughts that run through my (what I now believe to be) crazy mind. But I think what I am going to do is flip a coin. Let fate fall where it may because I cannot come to a decision.

Times like these, I wish I had a Magic 8 Ball handy πŸ™‚

Tags: credit+card, balance+transfer

If Money Were No Object…

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Single Ma had a great post about what she would do if money were no object. Others have chimed in, including a very funny post from Make Love Not Debt that still has me smiling. The latest (that I know of) is JLP of AllFinancialMatters. He brought up a great point that it would be great to give money away anonymously.

Here’s what I would do:

1.) Pay off my debt (no real surprise there).

2.) Buy my dream home on the Lake for less than $300K (unfortunately, the sale is pending so I am a little late).

3.) Give to my family to help them financially and give them money to visit me at least once a year at my dream home on the lake.

4.) Buy between 40-160 acres so I can have the opportunity to make a log home from scratch. It will serve as my guest house when my family comes and visits me once a year.

5.) Probably the most frivalous thing – I’d buy a monster truck. I’d drive in all of the local parades and throw out tons of candy to all of the kids. After the parades, I would let the kids go for free rides and check out my truck.

6.) I would donate money and give to the local humane society and a few other local organizations.

7.) Last but not least, I would buy a guitar. I’ve had a few through the years, but I’ve had to turn around and sell them when money was tight. It would be awesome to play in a band again.

And that’s what I would do if money were no object πŸ™‚

Tag: money

Festival of Frugality #19 is Up!

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Wow, if you haven’t looked at the Festival of Frugality over at Punny Money you better go take a look! Not only is there some great info over there on stretching your money, Nick did a great job as host.

Thanks for hosting Nick! πŸ™‚

Tags: festival+frugality, frugal