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Archive for April, 2008

No recession problems at my job so far

April 16th, 2008 at 02:51 pm

As a matter of fact I am hoping to pick up another day of work soon. This office is super busy lately and the patients do not like to be told that we are booking hygiene visits 3-4 months in advance. I am going to be asking the dentist soon if I can possibly work one more day at the office. That would cover most of the very expensive health insurance premiums that come out of my paycheck, and allow me to put more toward paying off the credit card.

Wish me luck! Smile

Gasoline musings

April 11th, 2008 at 07:02 pm

The bad news: Gasoline is up to $3.06 in my little NJ town. Frown

The good news: I am consistantly getting 35 miles per gallon in my FIT.

I still have not inflated the tires past the original psi. I do need to check them. I went for my first oil change (free at the dealer where I bought the car), and noticed after I got home that their "checklist" says the tires are at 30psi. I find this strange since the door jamb lists 32psi as the recommended pressure for my vehicle, so wouldn't their mechanics know to inflate them to 32 when I was in for the oil change?

Anyway, I really need to keep improving the fuel economy because my funds are really tight with paying so much for the health insurance now. *sigh*

Great resource for teens to learn about PF

April 9th, 2008 at 06:20 pm

http://www.njcfe.org/Resources/youth_tab.pdf

It is a 15 page PDF with lots of very basic info geared toward young adults - how to figure interest, things to think about before buying or leasing a car, how the rule of 72 works, and lots more including short quizzes and extra learning experiences. I would think it would make a great starting point for young people in high school or homeschoolers - especially after discussing the scariness of "Maxed Out"!

I found this site from a link in an AOL story about high school seniors and the little they actually know about personal finance. The articles says, "High school seniors, on average, answered correctly only 48.3 percent of questions about personal finance and economics, according to a nationwide survey released Wednesday by the Federal Reserve." Yuck. Frown

If you are starting to slip in your journey, here is the cure!

April 5th, 2008 at 05:11 pm

Just watch the documentary "Maxed Out"!

It is available for free online, and that is where I just finished watching it:
http://bestdocumentaries.blogspot.com/2007/10/maxed-out-full...

I had read the book last year, but the film was even more potent. If I had any doubts whatsoever that getting out of debt was the right thing to do (especially credit cards), then this definitely pulled me back to reality.

I twas a little heavy on the anti-republican, pro-democrat agenda there toward the end, but not so much to make me stop watching or doubt the underlying truths the film is exposing. It is a crying shame that people/corporations can not treat each other better as one human being to another.

CC Balance falls under $8k

April 4th, 2008 at 07:51 am

I have several sub-accounts over at ING that earn interest, but I only allow the EF to accrue it's own interest. The other accounts I transfer the interest every month over to the current goal so, $13.02 in interest going to the 0% credit card this month.

The regular monthly payment of $175 went through the other day and I had $5 leftover in the YNAB budget last month to add, so I owe under $8k on this debt now! Hooray!!! Smile

New Balance on 0%CC: $7,999.36