Nomorecredit's Personal Finance Blog

From bad to worse...

(Anonymous) — Thu, 18 Sep 2008 16:31:47 PST

So yeah, I haven't written in like a million years here. (well, since Feb. or so)

Things have gone from bad to worse. We have to start all over again. I was doing really well for a while, then I had one awful month at work (I work on commission) and needed major repair work done...

I don't know how much longer....

(Anonymous) — Sat, 24 May 2008 08:10:47 PST

... I can put up with this. I hate to sound all dramatic and stuff, but I'm seriously starting to get at the end of my rope about our financial situation. We've been working hard to pay it off, yet we still owe SO MUCH that I just picture myself being 40 and having nothing because...

Just an update...

(Anonymous) — Sat, 03 May 2008 08:35:49 PST

So we've been still plugging away, slowly, might I add. This is going to be a really rough month as it was slow at work.

I have to go food shopping today....uuuugggghhhh. I hate food shopping as it is, and now with what seems like everything skyrocketing, I hate it even more....

www.Billshrink.com

(Anonymous) — Fri, 18 Apr 2008 05:22:03 PST

This is pretty nifty for anybody who has a cell phone plan! It analyzes your cell phone usage based on how many minutes/texts you tell it you use and then it tells you the best plans you can get : ) Thought it might be of interest!

How could I not have noticed this?? Grrrrr....

(Anonymous) — Sun, 13 Apr 2008 17:56:18 PST

So I went to do my usual Sunday bill paying routine (I wait until Sunday... sorta seems to ruin the weekend if I do it Friday, so if I can wait, I do.) and pulled up my nifty Excel spreadsheet... I always do it on the computer, the whole "human error" thing was too much with me writing...

must stay focused...

(Anonymous) — Fri, 11 Apr 2008 21:55:13 PST

I really, really must stay focused. There's something about spring that just screams "SPENNNNNDDDD!" to me... it always has. Probably because there's so much that I'd love to do with the house. A garden. Paint. New wall hangings. New dining room table. A patio set. All this...

Feeling pretty good...

(Anonymous) — Sun, 06 Apr 2008 19:53:51 PST

So I'm feeling pretty good right now. It was just a good weekend. Weather is getting nice.

And in the financial sense, I'm feeling pretty good too : ) we're still FAR FAR FAR from our goal, but I see little baby steps have come a long way. I was cranky the other day due to the...

higher mortgage payment : (

(Anonymous) — Mon, 24 Mar 2008 16:34:07 PST

I got a thing in the mail today.... guess our escrow account is underfunded or something... I'm going to have to call because I don't fully understand the document, but from reading it, it seems we have two options. One is pay $205.19 which covers the shortage, and our mortgage payment...

I'm SO confused!

(Anonymous) — Fri, 14 Mar 2008 17:23:13 PST

As the title says, I am so confused.

DH has one credit card. $300 limit. I know the last time I paid it (march) I sent in $16. I've pretty much been paying the minimum being that we have much higher interest rates on other cards.

So I wanted him to make sure the check cleared....

Phew.

(Anonymous) — Sat, 08 Mar 2008 10:32:00 PST

The tax return money came just in time! I shudder to think what we would have done this month without it.

Put $1000 in the bank for the EF. Glad that's done, nice to know it's there and gives me peace of mind. Paid my mom the $500 I owed her back, so that's taken care of. Paid...

Car accident, got tax refund, figuring out what to do...

(Anonymous) — Sat, 01 Mar 2008 08:47:04 PST

So I'm sitting here with a spreadsheet with the refund from our federal tax return.... It was so nice logging on the the online banking and seeing all that money in there! I wish I could just hold on to it. But of course it's going towards debt.

So I transferred a little under...

Final Tax numbers are in...

(Anonymous) — Fri, 22 Feb 2008 17:37:10 PST

.... and we are getting $5,626.00 back from federal (woohoo!) and $974 back from the state. Yay! So the state refund will go towards our EF, then that's taken care of. $500 for the money I owe my mom. That leaves $5126 for credit cards. I can't exactly decide what to do. The...

Taxes almost done, and OMG!!

(Anonymous) — Mon, 18 Feb 2008 17:21:49 PST

.....wow. First off, let me say that I thought we would be breaking even on taxes this year. I always wound up owing or breaking even, and this was the first year filing with the house and the rent we get from the house as well as I got an extra 10$ a week federal taken out (thinking...

Paying bills, finding pennies, just scraping by...

(Anonymous) — Thu, 14 Feb 2008 19:09:58 PST

Wow. I just sat down and was TERRIFIED to pay the bills this week. I CAN'T BELIEVE I had enough!! Yessssss! *just* enough, but enough nonetheless.

We were walking the dogs earlier (a short quick walk as it is freezing) and I was just toodling along and saw a bunch of pennies...

Just a weekend wrap up

(Anonymous) — Sun, 10 Feb 2008 16:34:05 PST

Ahh... Sunday. I started waiting until Sunday evening to sit down and pay bills (as long as there's none that have to be dealt with right away) because if I do it Friday when I get home from work, I'm in a rotten horrible mood all weekend long. So that's done. Through some divine...

woo!

(Anonymous) — Fri, 08 Feb 2008 10:32:20 PST

The new hot water tank drained the EF, which made me nervous having nothing and facing a month of crap bills. By my husband sold his laptop to a friend and got $500 for it. Yay! it's going to the EF, but we will have to take $$$ out of there to get our taxes done and if we're short...

When it rains....

(Anonymous) — Sun, 03 Feb 2008 20:12:31 PST

Friday, got home from work. Downstairs neighbor came upstairs, knocked on our door, told me that the hot water tank leaked all over the place and he shut it off. He's Mr. Fix-It and works on stuff like that in houses for a living, then he said the dreaded words: "I took a look at...

maybe an interesting proposition, would like to hear thoughts..

(Anonymous) — Tue, 29 Jan 2008 15:31:21 PST

First, I'd like to thank everybody for the helpful and motivational comments they left for me in my last blog. It really, really is great to have people offering support and ideas and motivation and such : ) You guys are awesome!

Anyway.... an interesting proposition *may* have...

O...M....G....GAH!!! I just don't know what to do anymore...

(Anonymous) — Mon, 28 Jan 2008 14:43:45 PST

ARGH! I have a feeling I'll have to edit this blog post when I'm done, as I don't think swearing is allowed here. I'm seriously ready to lose it...

Remember in my last post or so I mentioned I had a dream about a horrible cc statement coming in the mail? I was telling my friend...

The good and the (very) not so good...

(Anonymous) — Fri, 25 Jan 2008 22:04:08 PST

ARGH! I'm ready to rip my hair out one by one.

Times are rough... as they are with a lot of people. I swore I would stop beating myself up over getting into this HUGE mess and wok my way out of it, looking to the future and all that, but I swear things keep getting worse. Argh....