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What Was I Thinking, No.2.....

March 31st, 2008 at 12:02 pm

I have made it a point to add the extra saved from utilities for the month to our mortgage principal. And, to add money each month to the principal of the truck loan. I've had problems with the truck loan, because they don't always follow my instructions. I usually add a note and then verbally ask for them to do it when I run by the bank. Unlike my mortgage payment, the truck loan people don't give me a receipt for each part of the transaction--just one total. So, it wasn't until I opened the statement that I found that they hadn't put it on the principal at all, but put it on the next payment. Rats. They forgot all the way from the window to the station she used. I guess that it might have sounded the same--both payment and principal start with a "p" and it can be hard to hear when the wind is howling like it has been. I guessed that I would just have to go inside each time. Then, Hubby and I were talking. I have been here for long enough and read many, many entries, and I finally get it. The interest rate on the truck loan is single digit. The interest rate on the credit card I am targeting isn't. No brainer here. Put the money on the credit card. Sheesh. Hubby almost shouted Hallelujah when I got it. So, I have reworked the budget and the extra on the truck loan will be applied to the credit card. I feel better now....

What Was I Thinking, No. 1....

March 27th, 2008 at 01:02 pm

I was reviewing my Funds budget when I realized that I had way too much money in the Christmas Club. As in, I hadn't paid off Christmas with it yet. Huh? I've been paying the bills, but with the busyness of the last few months with medical issues, I hadn't followed up on some big things. Like paying off the credit card that contained the Christmas bills. Like the interest that was accruing on that card. Like the money was sitting there waiting. Oh good grief. Today, I transferred the money to checking and sent off the check to that card. Finally, I am moving forward a baby step or two....

I have gotten nothing else done today. Well, I did have a couple of conversations answering a question or two from my kids. I have to appreciate it that they like to bounce things off me from time to time. Makes me feel like I'm not too out to sea for them. When Hubby returned my call about his migraine meds, he apologized for being in a meeting. I realized that I had been in one, too. With the kids. Cool.

Hubby has tomorrow off. We'll be taking my car in for its annual inspection. And perhaps to buy a baby gift for the new grandson of the old friend who passed away a few months ago. They named the baby after him. How touching....