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Archive for October, 2007

Started My Christmas Shopping

October 31st, 2007 at 12:05 pm

I started my Christmas shopping online this past weekend. I found quite a few good deals and used some coupons. I love getting a jump on things. I hate waiting until last minute. I already received all of the items and I didn't pay a dime for shipping.

This weekend I will be meeting with the log cabin people to develope a floor plan and cost for the cabin. I'm kind of excited and kind of nervous. It is such a huge obligation for the next 10 years of mortgage payments. As my husband says better to do it now before we get too old. I guess he's right but it doesn't make me feel any less nervous.

I bought more stock this month and I am happy with my purchase.

Happy Halloween!

754

October 20th, 2007 at 06:49 am

I know that I have mentioned in the past that I have my free checking and savings with WAMU. The savings account is great! I get 5% interest with no minimum balance. The other thing that I like about WAMU is that I have their credit card and some of the features of that card is when you go online you are able to get your credit score free of charge. The credit score is updated once a month. You only get the score and it alternates between the credit agencies. This month my score was generated by Transunion. If you want a detailed explanation of the score, they give you the option to purchase it, right on the same page.

What I find hard to understand...is that my score goes up and down. From 730-760. Without me doing a thing. For instance I have not carried a balance on a single credit card for over a year. Or for that matter have taken out any type of loan. I haven't been late on any payments. So why should my score change at all? For example the begining of last year my score was the highest it had ever been 765 then it droped to the 740's. Meanwhile my savings account had increased and my mortgage was going down???
I just can't understand how they arrive at their numbers.

I would like to get my score even higher by the end of the year b/c I will be taking out a builders loan for the cabin I intend on building. I would love to qualify for a great interset rate at that time.

Nothing New

October 18th, 2007 at 04:00 pm

I haven't written much lately b/c there really isn't much to say. i have been doing pretty well with the saving. I haven't been spending too much so that's good. I'm just following the same path, it has become a habit now, so that is what I mean by nothing new.