Yes! You heard me! I'm out of credit card debt ahead of schedule. Of course, as much as I wish it was because of something I did, it is really because of last week's insurance refund check. I went home last Thursday and deposited it. Yesterday it cleared my bank account, and I did a "click to pay" at Citi. The payment was applied today, and I now have a $0 balance!
It's actually not as rewarding as I thought it would be. Probably because I didn't earn the money like I had planned.
On the money front, my parents still owe me $250 (they gave me a partial payment this past weekend), I have a little over $250 coming from Dealbarbiepays/cashduck, and I should be receiving a paycheck next Friday or the Friday after.
Today is a good day.
All my money I would normally be throwing towards credit cards is now going in an account to pay down my student loans.
Showing posts with label mastercard. Show all posts
Showing posts with label mastercard. Show all posts
Tuesday, January 23, 2007
Wednesday, January 10, 2007
a breath of fresh air.
Long time no post. I moved back into my dorm room on Sunday, and started my new semester Monday, so I've been busy repacking/adjusting to my schedule/organizing, etc.
Today I learned that I truly was financially ignorant. When I first received my Citi driver's edge card, apparently I had 0% interest on my purchase balances for three months. I never realized this until today when I was looking at old statements. It's quite sad how I used to just ignore these things. I wish I had taken advantage of that offer.
I have been doing quite well on my 30-day challenge. Besides the money that I lent to my mother until her next payday, I bought ink for my printer (an essential), and I paid three dollars to have some loan papers faxed to my loan papers. For some reason they thought I graduated last semester, so I had to prove that I was still a student. Those are both unusual expenses, so I was correct when I thought that January was probably not the best month to be doing this. I suppose it will show me what sort of expenses I should plan for in my budget even if they are not monthly.
Today I learned that I truly was financially ignorant. When I first received my Citi driver's edge card, apparently I had 0% interest on my purchase balances for three months. I never realized this until today when I was looking at old statements. It's quite sad how I used to just ignore these things. I wish I had taken advantage of that offer.
I have been doing quite well on my 30-day challenge. Besides the money that I lent to my mother until her next payday, I bought ink for my printer (an essential), and I paid three dollars to have some loan papers faxed to my loan papers. For some reason they thought I graduated last semester, so I had to prove that I was still a student. Those are both unusual expenses, so I was correct when I thought that January was probably not the best month to be doing this. I suppose it will show me what sort of expenses I should plan for in my budget even if they are not monthly.
Saturday, January 6, 2007
Loaning money to mom
So, for the good news, I go back to school tomorrow. I start work on Monday, which means that money will be "rolling" in. The other good news is I am completely separated from "complicated boy" (some other PF blogger refers to a boy as such, but I can't remember who right now. I'll add the credit later if I do). Which means, less money spent on dates, anniversaries, etc.
On the bad front, tonight I went grocery shopping with my mom. You could say, what? Why is that a bad idea? Well, my mom has been really sick in the month of December, and she took a lot of time off work so that she could care for me after the surgery. My parents aren't well off financially (okay - they're basically financially irresponsible), so money was very tight this week. I bought the groceries so that my parents could pay me back later when they had the money again. My mom said on Wednesday, so we'll see. Since my mom kind of sprung the idea on me, I had to charge it to my credit card. The good thing is that I will be making a 6% rebate because of my Citi Driver's Edge Platinum Select Mastercard. Hopefully the "loan" will be paid back.
On the bad front, tonight I went grocery shopping with my mom. You could say, what? Why is that a bad idea? Well, my mom has been really sick in the month of December, and she took a lot of time off work so that she could care for me after the surgery. My parents aren't well off financially (okay - they're basically financially irresponsible), so money was very tight this week. I bought the groceries so that my parents could pay me back later when they had the money again. My mom said on Wednesday, so we'll see. Since my mom kind of sprung the idea on me, I had to charge it to my credit card. The good thing is that I will be making a 6% rebate because of my Citi Driver's Edge Platinum Select Mastercard. Hopefully the "loan" will be paid back.
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