The Eight Day Challenge…

Monday, July 26th, 2010

The August payment to Toyota is due in precisely eight days. Our usual monthly payment is $1,000. Our remaining balance is $1,500. Oh that annoying extra $500. It’s the itch I can’t scratch. I could wait until September to be done with Toyota or… I could take every ...

Week Three of No Dining Out…

Wednesday, July 21st, 2010

I didn’t plan on doing a weekly update about the ‘No Dining Out’ policy but this week was too weird to keep to myself. I drove past Taco Bell last night, my ‘go to’ fast food joint, and thought, “I can’t wait to make spicy enchiladas for dinner ...

Practice of Consumer Profiling Widely Used

Friday, July 16th, 2010

Credit card companies have long been in the practice of collecting data on cardholders for the purposes of determining credit risk for each current and future cardholders.  The Federal Reserve Board is one of the major oversight and regulatory agencies for these card issuers. The Board frequently does research ...

What You Need to Know About Credit Card Statements

Tuesday, July 13th, 2010

Credit card statements can leave consumers dumbfounded. The language is fuzzy and difficult to understand and the terminology is confusing. With this simple guide you can get one step closer to understanding what you really need to know about reading your credit card statements. Average Daily Balance The ...

Day One of No Dining Out…No Bueno…

Thursday, July 8th, 2010

Last night was my husband’s last final for summer school. He went directly to school to study before class and I spent some quality time with my wonderful sister-in-laws. I didn’t head home until 8:00 and I would have usually stopped by McDonalds for an 89 cent hamburger ...

A Big Debt Update…

Sunday, July 4th, 2010

Before I spill the new numbers, let me just say… I did a handstand before posting. My foot is still sidelined from the tendon injury so doing a series of leprechaun kicks was out of the question… that’s not to say I didn’t try. I’ve been working nights ...