Thursday, February 21, 2013

Continue to do Good Works

Things are moving an the right direction and I am so proud of my accomplishments.  I received my tax return yesterday and I am making moves toward paying off old debts.  To be honest, I was excited in the morning when I realized that my tax return was in my account.  As the day progressed sadness reared its ugly face.  This was due to understanding that that money would soon be gone.  At least it is going toward old bills that have been hovering over my head for a few years.  One of the first things I paid was Knology I owed $103 to them, next, I paid First Premier, which is my credit card.  I paid the entire debt which was $380.  I also paid for my mortgage.  Greentree is the worst mortgage company that I have dealt with.  My mortgage was sold to them and I truly don't like the company.  Whenever I call, I always get the same person.  My paperwork says that my mortgage payment is $405, but they say it's $600.  I don't what to believe.  Try not to get a mortgage with Greentree, because they are the worst. 

Overall, I am proud of my achievements and really looking forward to getting in a better place with my finances.  No, I am not perfect.  I am human living and having a human experience.  I make mistakes and know that things can only get better.  What I am thinking, I will take out a secured loan for $1,000 and pay it off.  That will help to bring up my credit scores.  The only thing they can do is go up.  This is the worst my scores have ever been and I am looking forward to seeing the progress of growth for my credit scores. 

Things to do:
  1. Write letters to the credit bureaus pertaining to the debts I have paid and the old debts that are older than 7 years, they need to be removed.
  2. Continue to pay for debts so that my credit scores will go up
  3. Make an appointment with my credit counselor to see my progress and what are my next steps
  4. Go to the bank and take out a secured loan for $1,000.  This will help increase my scores
  5. Save, save, and save some more.  Work toward always have at least $3,000 in the bank at all times
  6. Eliminate as much as I can and put that money toward outstanding debts. 
  7. Clean out the refrigerators in storage and put them on Craigslist
  8. Get rid of my storage unit that will save $50+ a month because I am always late
  9. Put all bills on automatic bill pay so that bills will continue to get paid
  10. Get rid of my wireless card, that will cut my cell phone bill down at least $50 a month
  11. Find a house phone that will work with my alarm system that is cheaper than my current bill
These are all great things to do and I am looking forward to making progress.  It takes small steps that turn into big steps.  With the motivation and guidance that I receiving, I will be able to obtain financial success.  First, I must believe in myself and put my best foot forward at all times.  I can do it, the road my be long and hard, but with the help of the Lord, all things are possible. 
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