August 2006 - Posts

Pleasant surprise
In today's mail, I got my latest Citi bill and found a pleasant surprise. As I was skimming through it, I saw that I actually had a Citi Dividend Card! Had never noticed! When I originally signed up, I don't think it was the dividend card, but Read More...
Posted 31 August 06 08:55 by spender | 2 Comments   
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YNAB and the available income "buffer"
A short while ago, I got the YNAB (You Need A Budget) budgeting system, though have yet to actually put it into practice. Overall, it looks like a very good system. I was mainly after a budget that carries over from month to money (ie, if I go over/under Read More...
Posted 31 August 06 04:55 by spender | 1 Comments   
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Our Savings Goals
While my wife was recently unemployed for two months, we realized that we'd been going after things with the wrong attitude. Our focus this year had been so focused on reduce debt so that we could buy a house. That was our objective. We've wanted Read More...
Posted 28 August 06 10:47 by spender | 3 Comments   
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Our Debt
Before I went much further, I realized I'd wanted to post a little bit about what our debt is and exactly how much it is. So here is the breakdown: Currently my debt is broke up as follows: Card Balance Limit APR Chase Visa $816.25 $1,000 29.99% Chevron Read More...
Posted 28 August 06 07:17 by spender | 58 Comments   
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Our Story
As I had mentioned in my first post, both my wife and I have managed to get ourselves into a decent amount of debt over the years. As of now, I have a total of $17,218.16 in outstanding credit card debt. This down from $19,187.64 at the beginning of the Read More...
Posted 28 August 06 06:40 by spender | (Comments Off)   
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Introduction
This would be my obligatory first post. Here you will be able to find my thoughts and progress as I work my way to financial independence. The name "Spending Less" comes from the idea of spending less than you earn. It is a very simple idea, Read More...
Posted 25 August 06 05:12 by spender | (Comments Off)   
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