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How Can I Improve My Credit Score?

Sat, 24 May 2008 23:43:31 -0400

5 Steps to Improving Your Credit Score - Whether or not lending or financial institution will give you a loan or credit depends on your credit score. Your credit score is based on how you pay off your previous and existing loans. It gives lender a pr
Source: Debt Crunch!

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Tags: debt, personal finance, credit, improve your credit score, fico score, credit report

Don’t Pay Too Much For Your Greenslip

Wed, 16 Apr 2008 03:46:00 -0400

It’s that time of year again. Car registration. I don’t know what I was thinking buying a car so close to my birthday, but I did and now I have to live with that.Greenslips or Compulsory Third Party (CTP) insurance is a form of car insurance that
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State of the Debt: April ‘08

Wed, 2 Apr 2008 17:30:46 -0400

photo credit: rickz Two weeks to go, and I get a breather! Oddly, I know I’ll miss the chaos and the end-of-the-day mental exhaustion when it’s over. But I’m looking forward to having time to focus on my side business replacement p
Source: Irregular Payments

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Tags: family, debt, goals, personal finance, credit, report card

Work Perks – Volunteer Leave

Thu, 3 Apr 2008 02:06:00 -0400

I'm really excited about this one. My company has recently implemented a policy that allows all permanent full time and part time employees a day of paid volunteer leave in each calendar year.The purpose of the volunteer leave is to encourage us to p
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KFC Made Me Crash My Car

Tue, 1 Apr 2008 22:52:00 -0400

I worked back really late last night to get through some work I'd been pushing aside for too long, and then downloaded some Uni work.I was really tired and decided to splurge on some KFC on my way home for dinner. So I popped home and got in the car
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The Ugly Truth - Day 214

Tue, 1 Apr 2008 02:06:00 -0400

The Ugly TruthPersonal Loan: -$23,560 Credit Card 1: -$7,421 Credit Card 2: -$7,842Credit Card 3: -$6,311 Credit Card 4: -$11,310 Credit Card 5: (paid in full) Credit Card 6: -$4,068 Credit Card 7: (paid in full)Emergency Fund: +$1,006Car Fund (Main
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Stimulus Payment - Disabled Social Security Income Could Qualify You

Tue, 25 Mar 2008 01:50:38 -0400

As a parent of a disabled child that has received Social Security benefits in the past - I wanted to know if those parents that cannot work because they have a disabled would qualify for the stimulus payment in May. There are those parents that do n
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Stimulus Payment In May Fits My Getting Out of Debt Plan Perfectly

Tue, 25 Mar 2008 01:25:11 -0400

Stimulus Payment Sparks Hope - Because the stimulus payments will be disbursed by the IRS based on the last two digits of my social security number, I know when my rebate will land in my checking account. It gives me hope because I had planned on cr
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Stimulus Payment - When Will You Get Economic Stimulus Rebate?

Fri, 21 Mar 2008 19:13:03 -0400

The IRS will start processing rebates on May 2, 2008 for one time payments from the economic stimulus package designed to boost the economy here in the States. I’ve already filed and received my 2007 tax refund so I’m sure to get my shar
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I need money for my debts – HELP

Sat, 8 Mar 2008 19:01:43 -0500

You might think more money is the solution to your debt. More money helps, of course, but money is only one small piece of a massive jigsaw puzzle that is our debt problem. I’ve made more money and less money over the course of my lifetime but my
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First 2008 Goal Achieved – Check!

Tue, 4 Mar 2008 23:35:00 -0500

I took the plunge and increased my pre-tax superannuation (retirement for the non-Aussies) contributions to 3% today, checking off one of my 2008 financial goals.This means I now have a total of 11% of my salary going into superannuation, once the go
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The Ugly Truth – Day 186

Tue, 4 Mar 2008 02:54:00 -0500

The Ugly TruthPersonal Loan - $23910Credit Card 1 - $7444Credit Card 2 - $7333 Credit Card 3 - $6288 Credit Card 4 - $11382 Credit Card 5 - (paid in full) Credit Card 6 - $4148Credit Card 7 – paid in full!Emergency Fund - $501 Total = $60,004Debt r
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Big Wins - Second Credit Card Bites The Dust!

Mon, 3 Mar 2008 22:41:00 -0500

I’m very proud to be able to say I paid off my second credit card in February!Only more 5 to go from here (yes I know I still have 5!), and only 2 more to meet one of my 2008 goals of paying off 4 of my 7 cards by December 31, 2008.Credit Card 7 -
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Closed The Door On The Real Estate Issue

Mon, 3 Mar 2008 00:56:00 -0500

Everything has been resolved with the Real Estate finally.We agreed to disagree and I’m paying the $297. It seems the cleaners I hired did a pretty ordinary job in terms of end of lease ‘standards’, and because the real estate waited so long to
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Gives With One Hand And Takes With The Other

Fri, 29 Feb 2008 04:00:00 -0500

Remember how happy I was when my bank increased the interest rate on my online savings account?It was of course a glimmer of hope in sea of bad news about rising interest rates here in Australia. However, that bad news has caught up with me and the s
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The Mail Is In And The News Is Good!

Tue, 26 Feb 2008 02:21:00 -0500

I received my dividend cheques for my company shares in the mail today. I was expecting $678.14, so imagine my delight when I added them up:$137.10$89.19$109.93$194.68$60.99$54.81$64.53$56.80$157.35$39.02and they came to $964.40. Nothing like a $286.
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Hope You Used Up Your Sharper Image Gift Cards!

Tue, 4 Mar 2008 21:47:33 -0500

Yet another reason to avoid giving out those gift cards that everyone seems to love: photo credit: untitledprojects Tens of millions of dollars in gift cards and certificates became worthless overnight in the wake of the Sharper Image’s finan
Source: Irregular Payments

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Tags: spending, not spending

State of the Debt: A BiMonthly Edition

Tue, 4 Mar 2008 17:47:26 -0500

photo credit: lamcs52 Ah, another almost two month vacation from this site, but still making progress on killing off our debt. A few medical issues appeared early this year — nothing serious by any means, but I have yet to meet a cheap medical
Source: Irregular Payments

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Tags: debt, goals, personal finance, report card

Link Building Meme...

Tue, 19 Feb 2008 07:15:00 -0500

Iowahippiechick tagged me with a link building meme...I have randomly selected 5 other bloggers to be tagged and I hope that you will similarly publish this post in your blog. You will have to tag 5 other bloggers and just keep adding on to the list.
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I’m A Uni Student!

Thu, 14 Feb 2008 05:41:00 -0500

I’ve just completed enrolment for the next semester. I'm enrolled for two subjects, Marketing Theory and Practice, and Introduction to Management.The subjects cost $710 each for the semester, so $1420.00, plus an additional $231.02 for the textbook
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Ongoing Moving Issues

Sun, 10 Feb 2008 23:37:00 -0500

My old real estate agent is claiming $297 in cleaning costs, $132 for general cleaning and $165 for carpet cleaning. Quite reasonable, until you realised I’d paid an end of lease cleaners $345 to do those things the day I moved out!I moved out on t
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Interest Rates Going Up - Not All Bad News

Fri, 8 Feb 2008 06:13:00 -0500

I received an email from St George today, advising that due to the Reserve Bank of Australia increasing their cash rate, my directsaver (their version of an online ING style account) will be passing on the increase.Effective the 18th February 2008, I
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When It Rains It Pours

Mon, 4 Feb 2008 01:13:00 -0500

After a full 24 hours of rain on Sunday I tuned on the TV last night to watch the new season show launches and after several loud cracks my TV died. Completely dead, the tube has gone. I didn’t get to watch a thing.Assuming it’s the tube as (that
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Car Repairs, Emergency Fund and Smart Money Moves - NOT

Sat, 2 Feb 2008 02:51:25 -0500

Absolute Panic! I hate paying to get cars fixed. I’m scared of mechanics. I worry I’m not making a smart move. In the back of my head there is a thought… When should we walk away from a car and rethink our plans. (my six year o
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The Ugly Truth – Day 95

Fri, 1 Feb 2008 01:16:00 -0500

The Ugly TruthPersonal Loan - $24187 Credit Card 1 - $7125 Credit Card 2 - $7293 Credit Card 3 - $6318 Credit Card 4 - $12033 Credit Card 5 - (paid in full) Credit Card 6 - $3998 Credit Card 7 - $882 Emergency Fund - $0 Savings - $0Total = $61,836Deb
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Work Perks - Education Assistance

Thu, 31 Jan 2008 07:48:00 -0500

I’ve just been approved to have my University studies paid for over the next 12 months up to a total of $3000! My company commits a lot of money to staff development and training, with a lot of training options available to us, mainly internal. On
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Check Your Bank Statements!

Wed, 30 Jan 2008 07:26:00 -0500

I was looking through my bank statement online today and noticed an unusual transaction for just under $25 from what seemed to be a taxi company.Interesting as I haven’t caught a taxi in the last couple of months. So I looked a bit harder and found
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Pay Debts First or Build an Emergency Fund

Sat, 26 Jan 2008 01:17:16 -0500

Should I pay off my debts first then build an emergency fund? The reason I’ve never been out of debt is because I’ve never had a real emergency fund. I don’t believe it’s about income. It’s how we use our money that k
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Taxes - Are you a go-getter or procrastinator?

Thu, 24 Jan 2008 00:49:08 -0500

Taxes - Do you file your taxes as soon as you get your W-2 forms from your employer OR do you wait until the very last possible day? and of course I really want to know WHY you do file early or on the last day you can file…
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Dude, Where’s My Superannuation?

Wed, 23 Jan 2008 01:03:00 -0500

I made the mistake of checking my Superannuation fund yesterday while I was thinking money.Could I have picked a worse day to check it than the day $100 billion was wiped off the Australian Stock Exchange?It made a big dent in my super balance, a tou
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How I Received $678.14 With One Phone Call

Tue, 22 Jan 2008 01:04:00 -0500

As I was unpacking yet another box last night, I found a couple of old holding statements for shares in the company I work for. These were very old, 7 years in fact and to be honest I couldn't even remember if I’d sold the shares or not.So I called
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Single Parents - One Income and No Savings

Sun, 20 Jan 2008 00:21:04 -0500

Debt has always haunted me - so much so that I rarely stuck with a “savings” plan for long because some big emergency would come up and wipe me out before my funds ever added up to much. I’m still at the baby steps here but I&rsquo
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Yet Another Reason Why An Emergency Fund Is A Good Idea

Wed, 16 Jan 2008 01:36:00 -0500

Tempt the fates with a bold statement for the New Year's financial plans and they mock you.My car had started making a really loud and weird noise last week, so I took it in to the mechanic and they called to say they've found the problem. It’s the
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I’m Back! So Are My Bills And Debts…

Mon, 14 Jan 2008 23:34:00 -0500

Well I’m all moved in to my new apartment, even though I’m still surrounded by boxes and the week long issues with phone and broadband connections have only just been resolved.The move cost me an absolute fortune, and I’m glad it’s behind me
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Your Credit Score and Being Proactive

Wed, 9 Jan 2008 00:32:56 -0500

Interest rates and your credit rating go hand in hand. Not one to take loans lightly - I would not consider taking out any kind of loan without knowing I had cleaned up my credit rating so that I got the absolute best interest rate I could get. Do
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End of 2007 State of the Debt

Mon, 7 Jan 2008 18:37:48 -0500

This is what you get when you don’t pay really close attention: Nov 30′07 Dec 31′07 Change EVERYTHING We Owe Credit Card Debts Chase $20,520.04 $20,193.07 ($326.97) Other Debts Home Mortgage 38,900.53 38,853.06 (
Source: Irregular Payments

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Debt Free Living - How to Find Money to Pay Off Debt

Sun, 6 Jan 2008 20:48:19 -0500

How to Find Money to Pay Off Debt - Kristine McKinley One of the biggest challenges that many people face when trying to pay off debt is finding money to apply towards their debts. In order to pay off your debt, you have to pay more than the minimum
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Debt Crunch - Christmas Shopping Easier With Online Shopping

Sat, 5 Jan 2008 15:49:56 -0500

This Christmas was the first time I really searched the net before buying any gifts because I tend to be an impulse shopper even when I KNOW something is coming up. This year I was able to find a cool digital camera for my daughter to take with her
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Want to Buy A House But Have Little Money and Bad Credit - Don’t

Tue, 1 Jan 2008 15:05:37 -0500

Crisis? What Mortgage Crisis? Leo Quinn As I write this there is a crisis in America in the sub-prime lending industry. A sub-prime loan happens when homebuyers with low credit ratings are offered mortgages with high interest rates. Advocates of su
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Holiday Shopping - Did You Overspend or Stick with Your Budget?

Tue, 1 Jan 2008 14:33:26 -0500

Christmas has come and gone. The tree is down. Decorations put away. Still finding a “home” for gifts we got this Christmas. I don’t have a credit card so it was a cash Christmas. It also meant I could only overspend so much -
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New Year’s Resolutions - Take Control of My Money My Debt

Tue, 1 Jan 2008 13:42:53 -0500

New Year’s Resolutions - Every year the top 10 resolutions find people committing to learn how to invest, start a savings account, build up that emergency fund, get out of debt or pay off credit card debts. Along with losing weight and spendin
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