Trying the Cash Method Again

cash system
If you are visiting from the Money Hacks Carnival hosted at Four Pillars, welcome to Out of Debt Again! Thank you Mike for including my post in today's carnival! Happy Labor Day! I'm off today, but working just the same. I've already reconciled one credit card account for July and August, and our main checking account for August. I thought I ought to let y'all know we're going to try the cash method again. Here's how it came about… a… Read the rest

What’s the Value of your Donated Items?

income taxes
I haven't done a lot of donating to thrift stores over the years. I tend to hang onto things forever and ever, building up my clutter nest in my bedroom. Therefore, I never really thought about how one would go about putting a value on the things they donated. Besides, we have never been able to itemize. At any rate, I never really thought about it before, but while looking at an accountant's site I saw that she'd linked over… Read the rest

More Love of my Car’s AC

saving money
About three or four or maybe even five years ago, I had to stop using the air on my Pathfinder on the high setting otherwise it would make a weird whirring noise. Whatever it was doing, I was afraid it would break if I kept running it on high, so I never took it past medium after that. A couple of weeks ago, after Mr. A fixed my air conditioner, it occurred to me that maybe I could now use… Read the rest

It Looks Like We Might Be Refinancing Our Home

plan of action
And… rolling in the credit card debt.  I know it's usually the last thing that anyone ever advises, but having given it a lot of thought over the past year I believe we can make it work for us as an effective debt reduction strategy. I'm a little blown away by what our credit union can swing.  We currently owe $48K on our mortgage, with twenty three years left on the note.  Our current finance rate is at 7.375%. Our… Read the rest