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Archive for December, 2007

End of the Year Wrap-up and 2008 Goals

December 27th, 2007 at 07:11 pm

Well, it's almost the end of the year and it seems to be a good time to take a broad perspective look at things.

1. My b-day is tomorrow. Yes, that number on the left side of the screen will change to 37 tomorrow. I will be an old woman. ;P

2. My credit card debt has not decreased a lot, but it has gone down to $1658. I don't know what my balance was last year, though. I did get the APR on my card lowered by 3%, so this should help a lot. See my blog from yesterday about that.

3. My medical debt has gone down quite a bit to a total of $4041.18.

4. My retirement has increased to $9376.80. I am really impressed. I haven't really been checking on it or doing a lot with it and I have only been contributing since July 2006.

Cool. I am happy with what I have done with my finances this year.

My goals for the coming year include:

1. Find a way to increase the amount in my short term savings (i.e., emergency savings). I don't really like to call it emergency savings, because that puts it out there that there might be an emergency.

For some reason, I can't seem to accumulate the recommended $1000 that Dave Ramsey talks about. Something always seem to come up that snatches that money away. The most I seem to be able to get to is around $300.

2. Continue to pay off the medical debt. In July, I should get a raise, after which I will double the amount I am paying on one of the medical bills.

3. Continue paying off the credit card debt. I am making one big payment for the paycheck of the month, then a smaller one for the second. In between, I am also sending small payments when I get a survey check or something.

How to Lower Your Credit Card Interest Rate

December 26th, 2007 at 06:27 pm

Howdy, folks. I know it has been a long time since I last posted. That thing with my mother kind of messed up my head for awhile. It took awhile and I am back.

I learned on the internet today how to lower your interest rate and decided to take advantage of it and see if it works. After waiting 20 minutes on the phone listening to elevator music, I was able to lower my rate from 17.9% to 14.9%. I thought you might all like to hear about this. Just click on the link. There is nothing to buy - promise !

I wish I had know about this months ago!

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