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Paperless Filing – Here I Come!

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If you print many things out from your computer so you will have it for later, here’s an idea for you – print it to .pdf!! That way, it can be filed on your computer and easily opened later for you to look at. At the end of the year, save all the files to a CD or DVD and file in your safe deposit box.

To get a free .pdf printer for your PC (as seen in Computer Shopper magazine), go to this link http://www.cutepdf.com/ and look for the CutePDF Writer Freeware.

I have downloaded this “printer” for my PC and I LOVE it!! It is helping keep my desk clean, which is always good πŸ™‚

Technorati Tags: filing, printer

Even Good Habits are Hard to Break

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I was relaxing, watching TV when this weight hit me smack dab in the chest. Blood started rushing to my face and I could feel my cheeks turning red.

Then it went away. I breathed a sigh of relief.

I realized…I didn’t have to pay Credit Card #5 this month.

I’ve had that card since 1998, and every month usually between the 4th and the 8th of the month my payment is due. That is, until this month. I did a large balance transfer which counted as my payment and the card is now basically paid off.

I have to wonder how many months it will take until I no longer feel the internal clock inside of me going off because my payment might be late. Even though the feelings of perhaps missing my payment aren’t very nice, I can live with it if it means I can breath that huge sigh of relief afterwards. πŸ™‚

Technorati Tag: credit+card

No, No, No – I’m not Going to Sell This Stuff

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It’s hard to believe, but it has been years since my friend passed away. I still think about him daily, and I still wonder why he had to take his own life.

I would like to share with everyone something about my friend that I have carried with me through my life. It’s funny how a little comment can have such an effect on you. Here’s the brief story.

While at my friend’s house, he let slip out that he has tons of things in the attic that the previous owner had left. Being the treasure finder that I am (you should see me at garage sales – LOL), I wanted him to show me. We went in the attic and my mouth dropped. It was a goldmine in terms of antiques. There were records, old store items, just lots of old everything.

I said, “Wow, you can get so much money for this stuff when you sell it.”

He quickly replied, “No, no, no. I’m not going to sell this stuff. All of it needs to go into a museum or something for everyone to see.”

I didn’t reply, and sort of changed the subject. Here he had probably a few thousand dollars worth of antique items sitting in his attic (I’m guessing here – but he could have made a bit of money) and he wanted to see a museum get the items. I think that simple conversation surprised me so much because I’ve never really known of someone like that before. Someone who has a treasure, but doesn’t want the money for it.

He never did get a chance to go through his attic before he died. His comment made such an impact on me that I wanted to go through the attic and make sure it goes to the local museum/archives like he wanted. I asked his parents, and they boxed everything up for me and let me handle the task.

About a fourth of the items went to the local history archives. They found some value with the old bills and some of the older paperwork. And the other items went to a local history museum. I have walked through the museum since donating the items and I have found them all around the museum on display.

My friend certainly was special. He was the type of person that would do anything to help, even if it meant helping someone he didn’t know or helping a local organization. He could have used the money from selling those things, but he chose to not to.

Man, I miss you my friend…

Technorati Tags: antiques, museum

Guess Who Received their Payment?

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I have to laugh – AT&T received their payment yesterday. They were nice enough to send me an email to let me know.

I was pretty cautious of my entire phone call from them as being a scam, but it really sounds like everything was legit.

But still, it’s never a good idea to give your banking information out with a call that you did not initiate (just to be on the safe side).


Bad Money Decision Confession Time

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Bad Money Decision Confession #1

My husband was left with a $40,000 inheritance from his grandmother. His grandparents were very knowledgeable in the stock market and made a bit of money.

To this day, I wonder where it all went. I know $10,000 was given to his mother to pay off the loans that she took out to help my husband with college costs. We also used some to pay for summer school. We bought a 27″ TV and we bought a $3,500 computer because my husband is into videography and needed a good computer for it. I also remember that one credit card was paid off completely ($1600) and I think some more money went to another one.

But really – at least $10,000 of it I have NO IDEA where it went. That’s not good. But we were young (both were 21) and naive about money. I think probably most of it went to eating out and spending the money on frivolous items.

If I had known then what I have known now, that money would have been spent so much wiser.

But as they say…you live, and you learn.

Anyone else care to confess a bad money decision? πŸ™‚

Technorati Tags: inheritance, money

Why Pull a Credit Report on a Potential Employee?

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What is this I hear that some employers are now pulling credit reports on potential employees.

My reponse – UNBELIEVABLE!!

Because of my debt, I have less than a stellar credit report. Will a potential employer see my debt load and decide that they do not want to hire me? Maybe they will see me as a potential embezzler? I’ve stolen a total of three things in my life. Once I stole some nail polish from a garage sale when I was 5 (and hid it away because I felt so bad). And the other time was when I was a teenager I stole two $1.00 pins (and went back and sneakily returned them because I felt so bad). Even in my darkest financial hours the thought of obtaining money through dishonest means never crossed my mind.

And who cares if someone has some late payments? How is that going to relate to the ability of a person to do the job they have applied for? Credit reports do not give the story behind a late payment. Maybe a major event happened in someone’s life and they missed a bill? Gosh knows that when a loved one dies – other smaller things in life like mailing a bill payment just take a backseat.

Man, I guess this is just a sore spot with me…whew! πŸ™‚

Technorati Tags: credit+report

Finance Charges Paid in March – $417.49

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I’ve decided to add another section to my monthly reporting – finance charges. It’s one that not everyone may pay a lot of attention to unless they are keeping track of where their dollars are going. And when you do keep track – oh my…it is an eye opener.

It is so sad to see that I spent $417.49 in finance charges for March. But, by golly – it is so good to have it right in my face. I am ready to look this beast in the eye and defeat it (sorry – getting myself all pumped up here – think of the “Eye of the Tiger” song playing in the background as you review the report πŸ™‚

Technorati Tags: finance+charges, credit+cards