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Two steps forward, three steps way back
Unfortunately, looking over this month's current progress, it looks like we're taking a major step back in our debt progress. Despite our payments, it looks like we will be adding on about $2,800 of credit card debt. Several things have been going on Read More...
Posted 27 November 06 07:38 by spender | (Comments Off)   
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Paid off another card!
Today, I submitted the payment for the remaining balance on my Chase credit card! It felt good to select the option for "Pay current balance" instead of "Pay current minimum" or "Pay other amount" and enter in some small fraction of the balance. This Read More...
Posted 20 October 06 11:55 by spender | 1 Comments   
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Credit score bump
Have been trying out the 30-day trial of the credit tracking at myFICO.com . Yesterday, I got a email alert that both my wife and I had our scores increase. My wife's score jumped 6 points to 632 and mine jumped a nice 33 points to 596. My score is still Read More...
Posted 06 October 06 12:00 by spender | (Comments Off)   
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Mortgage Debt Reduction Goal Revisions
I decided to make a few changes to my mortgage debt reduction goal. First, I realized a flaw with how I was counting progress. Before, I had looked at it, said I wanted to pay off $10k, and then any payment I made was being counted against that total. Read More...
Posted 03 October 06 05:27 by spender | (Comments Off)   
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Change can be more than you think
Don't confuse "change" with the "act of changing"... I am talking about those coins you get whenever you pay cash for something that then end up in your change drawer, never to be seen again. Change can pretty influential, especially Read More...
Posted 02 October 06 08:34 by spender | 1 Comments   
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Paid off my first card!
Ohh yeah! This morning, submitted my payment for my Chevron Gas Card and paid it in full. Talk about a good feeling! Even though I only had about $620 remaining on it, since I consistently use it, it ended up being one of the ones I end up just slowly Read More...
Posted 29 September 06 01:49 by spender | 1 Comments   
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PLUS vs FICO: What a difference!
I've been using Experian's CreditExpert service since January, as Money 2006 came with a free year of service. CreditExpert is just a simple credit monitoring service, it is pretty decent, though kind of barebones. But it is free, so I don't Read More...
Posted 27 September 06 09:14 by spender | 1 Comments   
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Charting my progress
Put together some graphs that I will be using to chart my progress on my way to my debt and savings goals. I always like seeing charts on other people's blogs, and in general, I like math, data tracking, etc. So I've added a couple of images to Read More...
Posted 19 September 06 08:17 by spender | 241 Comments   
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To buy or not to buy
So here is my latest dilemma. As I had mentioned in the past , my wife and I have really been wanting to buy a house. We've been leaning on the side of caution and keep putting it off (though not necessarily without reason). Though recently I've Read More...
Posted 17 September 06 06:17 by spender | 2 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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