Archive for the Pay Off Debt

Car Troubles Solved!

Well, we finally figured out what we were going to do about our car problems. I couldn’t justify purchasing a brand new vehicle, and it felt like the car dealerships were trying to rip us off, so we decided that we were going to be patient and just make do with having one working car (and two broken ones). Last Friday as I was sitting at my desk, an elderly gentleman came in to ask one of the tellers the NADA value for his car: a Ford Freestlyle.  I almost passed out. I went over and asked him if he was thinking about selling it, he told me he’d like to buy his wife a new car, and that he was considering it.  I told him I was definitely interested and would like to know more.  I knew that he had taken excellent care of it and most likely it had low miles on it.  I was right: 17,000!! I was ecstatic.  We ended up getting the vehicle on Thursday.  I think we made the right decision.  We had talked […]

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Car Troubles: What Should I do?

I am so ready for this year to be over. I have had the worst luck this year! My grandmother passed away in January, we had the tree fall on the house in January as well, I thought I had cancer (I go to the oncologist tomorrow for a check up), my dad is currently in the hospital, and now we have all this car trouble. I am ready for a break! Monday I decided I was going to take my car in to the mechanic because it was running funny. It sounded like something was going to fall through the floor, and when I turned, I heard this “wubba wubba wubba” noise.  Of course that’s not good.  When the mechanic called me on Monday to tell me that the Motor Mounds were bad and that it was a miracle the motor hadn’t fallen out, I asked him how much it would cost to fix. Around $500.  Then, he proceeded to tell me that because of the motor mounds being out it ruined an axle, which will cost me another […]

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Proof of Payment from National City Everyday Rewards Visa!

When I got the mail today, I had received my rebate check from my National City Everyday Rewards Visa! I am so excited! Of course, I had been checking my rebate amount each month when the statement came, so last month when the rebate balance was $99.25, I was a little bit bummed. (Once you hit $100, the check is mailed). I missed my check by $.25! I was patient, and received it with my statement this month. I’m going to use this check to make a payment on that student loan. I’d love to go out and buy a new digital camera, but I’m going to be responsible and keep chiseling away our debt. It’s for the best. Here’s my proof of payment: I don’t know why, but I always enjoy seeing copies of people’s checks, especially when it involves them making money online, or easy money! Do you think I should use the check for paying on the loan, or do something fun with it? Tweet

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Using Credit Cards as an Emergency Fund: What??

I was reading an article today about “recession-proofing your income” and when I got to a paragraph, I almost had a heart attack. Savings accounts are safe, though yields will get stingier as interest rates fall. Rogé says it even makes sense to pull money out of an emergency fund to pay off debt. Psychologically, that’s hard to do in a shaky economy. Chances are you won’t lose your job, however, and if you do, why not run up debt then rather than pay finance charges now? If you want a security blanket, apply for a home-equity line of credit, which will probably have a lower rate than a credit card anyway. But tap it only in an emergency. What?? Are you kidding me? I can’t believe anyone would say this is a good idea in this economy. There are so many things wrong with this statement. Not everyone can get a home equity loan or home equity line of credit. Why drain your emergency fund to pay for a credit card that, chances are if it’s based on prime […]

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My May earnings… not as Fruitful as I’d hoped!

Well… May wasn’t as fruitful as I had hoped. I only made 20.80 online, with ExpoTv contributing 3.70 (and I didn’t do ANY videos!), associated content 2.10, and pinecone research 15.00. I didn’t do Cash Crate, this month because I just didn’t have time.  I did start working from home part time, but that isn’t going to be a ton of extra money, just something to do that gives me a little extra cash. Here are my financial goals for June: I’m going to have a garage sale to sell off some items that I’ve been holding on to that I’m not using and are just taking up space. I hate clutter! Hopefully I’lll make a little extra cash that I can either throw in savings or use to pay off debt. Also, I’ve got some things I need to list on ebay and I just need to quit being lazy and list them! I’ve also started something on the side that is really fun and will pay me a little money at the same time too. I’ll write more […]

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Get Financial Help from Professionals when you Need it

A few months ago, I wrote on how you can be your own credit repair agency. Sometimes that’s just not possible for some people, and they have to turn to others for help. Not all credit repair agencies are bad. In fact, some of them can be a really great asset to your financial future. Geneva Roth Ventures is a company that helps educate consumers about their finances. Geneva Roth Ventures works closely with the CFEF (Community Financial Education Foundation) and OLA (Online Lenders Alliance) to ensure they are providing the best service to their clients. The Online Lenders Alliance works hard to make sure that online lending companies are legit. I think this is one of the most critical parts of utilizing online lenders. You need to make sure you are doing business with an ethical company, especially when it comes to repairing your credit and dealing with your finances. If you are looking for a second opinion on your finances, give Geneva Roth Ventures a try! Tweet

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    Welcome! I'm Mrs. Money and I lead a frugal, simple, and debt free life on a modest income. I make money online to help support our family. I believe in saving money, living green, and enjoying life!

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