My Money Story – The Thirties

True Confessions
I was a stay at home mom, living on welfare and food stamps for the next five years. I was very frugal during that time. Once again I went without a car for three years because mine broke down and I couldn't afford to fix it without credit cards. I had accrued most of my $6000 credit card debt fixing the car we'd had, so when the engine failed, that was that. We spent four years living even more frugally… Read the rest

Progress Report

Making Progress
Sometimes I don't think we're doing as good as we could, and start to feel down about our progress. Here are some things I concentrate on that keep me focused on the positive. Mr. Accountability has started to watch Dave Ramsey on television each evening. I haven't read his book, but PFers speak about him often. This can only be a good thing. Although thankfully we are both in agreement that we are not going to reduce our food consumption… Read the rest

Transferring Credit Balances to That 0% Credit Card

Balance Transfer Saga, credit cards
More research on transferring the two cards to one. I received an offer in the mail and it looks like a good deal. Some of the relevant fine print: No annual fee 0% APR on balance transfers for 12 months 9.99% fixed APR on balance transfers after 12 months Transfer fee 3% of amount or $99 maximum I'm assuming since I need to transfer two cards, it's going to cost me $99 for Credit Card #1 and at the current… Read the rest

Monthly Report December 2007

Monthly Reports
All right, time for true confessions… here's what December looked like. Actually I had it figured out last weekend, but didn't have a chance to convert my Quicken Report into Excel and analyze it, make the pretty screenshot and all that. Luckily we received some gift money in December. Mr. Accountability's mother promised that she would give him $500 last year in December, if he stayed a non-smoker. I'm so happy to report that Mr. A is a non-smoker for… Read the rest