Friday, May 3, 2013

I can only Go Up

My credit scores range from 506-561.  I am working on paying off all the things that I can.  For instance, there are 4 outstanding accounts that need to be paid.  I have a thought, I have money that I don't want to spend, but let build, borrow off of that money and pay it off.  Continue to save and put the money where it is most needed.  

There has been some excessive spending here and there, but if I continue to cook, that will help me save some cash.  I purchased a ledger, this should help me keep up with all of my finances.  I can make this work.  

Order for taking care of these bills, I sent in $200 today, the final payment will be mailed by the end of this month.  The total cost is $464.

Directv $464
ADT    $1064
Medical $900
Medical $574

Pay $200 everything month until they are all paid off.  I did pay for my braces, no more payments on that.  I paid for 2 months of storage.  Not paying that bill after the end of this month.  I have to do right by my finances.  Plus, the property management is working out.  The place has been rented out.  All extra monies, put in a good place.  I did sign up to do a outside yard sell.  This will give me a chance to sell the candles, but the weather really looks bad.  

I must not do wrong by the money, I keep saying that.  I don't want to end up with nothing to show for what I had.  I know I waste much, but I can't continue to do that.  Overall, I feel good about where I am going and what is going on.  

Things I've gotten rid of
Directv               140 a month
Caller Tunes
Braces paid in full  100 a month  

Things I need to get rid of
Wireless card 

Anyway that I can cut corners I will try, the only reason I haven't gotten rid of the home line is that it's connected to my security system.  

Plus, I am going to take some time off from school and Sallie Mae has been calling and calling.  Majority of my debt is student loans.  When looking at my credit report, I really don't have bad debt.  I do have a credit card with a $300 limit.  Paying off the above debts would help my score much.  My goal is to have at least a 650 credit score by the end of the year.  I do believe that can be done if I keep putting money where it should be.  As long as I owe, the money I make is not mine.  In my mind, when I get ready to spend put that money toward a debt.  

Paying off debt is very important to me and it may get obsessive.  Have to have something to worry over.  

Bills that I pay

The money that is left over should go to debt.  Did I mention I am going on a trip this summer.  I have to get this paid for soon.  

I haven't been the best financial planner, I know, but I can and will handle this issue.  
Post a Comment

Privacy Policy

Privacy Policy for

The privacy of our visitors to is important to us.

At we recognize that privacy of your personal information is important. Here is information on what types of personal information we receive and collect when you use and visit, and how we safeguard your information. We never sell your personal information to third parties.

Log Files
As with most other websites, we collect and use the data contained in log files. The information in the log files include your IP (internet protocol) address, your ISP (internet service provider, such as AOL or Shaw Cable), the browser you used to visit our site (such as Internet Explorer or Firefox), the time you visited our site and which pages you visited throughout our site.

Cookies and Web Beacons
We do use cookies to store information, such as your personal preferences when you visit our site. This could include only showing you a popup once in your visit, or the ability to login to some of our features, such as forums.

We also use third party advertisements on to support our site. Some of these advertisers may use technology such as cookies and web beacons when they advertise on our site, which will also send these advertisers (such as Google through the Google AdSense program) information including your IP address, your ISP , the browser you used to visit our site, and in some cases, whether you have Flash installed. This is generally used for geotargeting purposes (showing New York real estate ads to someone in New York, for example) or showing certain ads based on specific sites visited (such as showing cooking ads to someone who frequents cooking sites).

You can chose to disable or selectively turn off our cookies or third-party cookies in your browser settings, or by managing preferences in programs such as Norton Internet Security. However, this can affect how you are able to interact with our site as well as other websites. This could include the inability to login to services or programs, such as logging into forums or accounts.