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About Me:

Brittani

29-year-old mother of two growing men, currently in the elementary stage of life, still dragging the brat of it all around from my childhood.
Many issues cause me to be less frugal than I would like to be.
Just bought a new house! October 2010 is the beginning of our new home.
Marriage date set: 11*11*11
Everything has been paid or has a half deposit on it. Everything has been under budget too!!!
10-5 update: The couple of over budget items are covered by the under budget ones. The cake was at least 4 times less than a traditional cake. Thank you Krispy Kream!!!

$20 Challenge update: $20 8/5/11

Goals for 2011:

( ) Don't overspend this summer on crap we don't need or use. {so far, so good}
10-5 update: Did great!!!

( ) Grow a bountiful garden this summer and use those veggies in our meals {has not happened yet, but I did start seeds and will plant them soon!!} Update: Did not get planted due to working five days a week and growing automobiles in the garden plot. Maybe next year!
10-5 update: gonna get a jump start on 2012 garden so I don't get discouraged early and it doesn't happen.

( ) Save $1,500 Emergency fund with SmartyPig. {Spent the Vegas $ and the EF$} Feel like a fool now!!! Update: Replaced $150 of that in less than two months. Saving for holidays AFTER E~F.
10-5 update: Daddy's day gift was good but not worth the savings being gone. Kicking myself now, glad I didn't waste it though. Working our way back up slowly!! I hope we get a ton of $ at the wedding to put in this savings!

Goals for 2012:
{} Enjoy the first year of marriage! Spend more time loving and living than worrying and whining.

{} Find a new (used) car for under $1,000 by March.

{} Pay auto insurance in six month increments.

{} Decide about career in teaching or law! Neither will be in the high paying field and will cost a TON, as a Masters is the only thing worth working for (besides maybe a PhD). Butler, here I come!

{} Complete taxes by March with H&R Block, deciding which makes more, two or separate.

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checking credit report

November 14th, 2008 at 10:22 pm

I got a credit report with my score.
I am devastated. I knew it was bad, but not that bad.
My student loans aren't helping either, since they are from this January, have high balances to credit, and the like.
I believe that when my payments hit it next month, it will look a little better, but not by much.
I tried an estimator, and it said that even if I had zero balances, it's my history that is screwing me.

I will have to face the music and just pay away like I should to see my score rise in the next year or two.
I will be ready to buy a house in 2015. Maybe I can have it cleared up by then.

Posted in Hints and Tips Wanted, Credit Repair, Credit Abuser, Money Management, Weighty Subjects | 0 Comments »

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checking credit report

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