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Garden Club Meeting - June 2014

Established Member

Re: Garden Club Meeting - June 2014


creditnocash wrote:

ExplicitElicit wrote:

Good morning GC! Getting the new truck washed this morning. 


nice! 

washed the car and detailed after a weekend of birthday festivites. 


Happy Birthday!


Starting Score: 382 - 418 (2005) -- Current Score: 628 (TU08) -- 661 (Beacon 5.0) -- Goal Score: 750+
Into the Garden 6-15-2014 -- Digging in the dirt until 6-2015
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Valued Contributor

Re: Garden Club Meeting - June 2014


Carrie_in_Pa wrote:

creditnocash wrote:

ExplicitElicit wrote:

Good morning GC! Getting the new truck washed this morning. 


nice! 

washed the car and detailed after a weekend of birthday festivites. 


Happy Birthday!


thank you. 23 short years on tuesday. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Established Contributor

Re: Garden Club Meeting - June 2014


thank you. 23 short years on tuesday. 


Happy birthday indeed! Wow, 23 is a good age!!

SevenNEW, Garden Nerd - In the Garden until 2015!
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Super Contributor

Re: Garden Club Meeting - June 2014


creditnocash wrote:

ExplicitElicit wrote:

Good morning GC! Getting the new truck washed this morning. 


nice! 

washed the car and detailed after a weekend of birthday festivites. 


Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Established Contributor

Re: Garden Club Meeting - June 2014


creditnocash wrote:

Carrie_in_Pa wrote:

creditnocash wrote:

ExplicitElicit wrote:

Good morning GC! Getting the new truck washed this morning. 


nice! 

washed the car and detailed after a weekend of birthday festivites. 


Happy Birthday!


thank you. 23 short years on tuesday. 


Happy birthday... I'm turning 23 this upcoming month and I'm terribly sad.... I remember when I had just turned 18... -_-!!!!

ManiacGamers.comManiacGamers.comManiacGamers.comManiacGamers.comManiacGamers.comManiacGamers.com*****$20,000***********$6,500************$4,100************$3,500***********$2,500************$1,000****
EQ - 688 (10/9/13) | TU - 705 (02/18/14) | EX - 701 (10/9/13) | CS Fako - 717 (10/4/13) | CK Fako - 697 (11/05/13)
Regular Contributor

Re: Garden Club Meeting - June 2014


Cookie2120987 wrote:

alyssamarie wrote:

I haven't checked in in a while, so I have a few updates. My husband got notifiied the weekend before summer classes started that he was ineligible for financial aid effective immediately (due to going over the allowed amount of hours, apparently even college credits earned in high school count), so he needed to apply for a private student loan. We went with Discover at first, and I had to cosign, but the school rejected it because Discover has the same standards for credit hours, so we had to both apply again with Wells Fargo/Sallie Mae. So that added 2 inquiries to my credit report, but it was a necessity.

 

Other than that, we are moving this month to a cheaper apartment, cutting cable, cutting back a lot on going out to eat, and sticking to a pretty tight budget. I'm paying off our credit cards (Amex and Chase have a balance right now) asap, and then following our budget every month down to the penny and paying off all purchases immediately!

 

So there's my gardening update. Not really paying attention to time anymore, just focusing on paying down cards and letting inq's fall off!


 

Ouch, I dislike Sallie Mae, the intrest rate was RIDICULOUS, I'd just say even with the tight budget try to pay on them while in school, it will save you a LOT over the life of the loan. 


He graduates in December and we plan on paying it back as soon as possible after that. It's only a few thousand so it shouldn't be too much of an issue, but it definitely wasn't our first choice. I think the interest is 8%.

Discover It $1k | Chase Freedom $1.2k | Barclay Apple $1.7k | Target $1k |TJX Rewards $1k | Walmart $900 | Macy's $800 | American Eagle $750 | VS $750 | LOFT $500 | Express $350 | Cap1 Sec. $200 |

AU: Amex BCP $5k | Barclaycard Arrival $3k | Amazon Visa $2k | Chase Freedom $2k | Discover It $1.5k

Gardening as of 02/04/14
Current TU FICO 701 | Goal 1: 700✓ met on 2/18/14 | Goal 2: 720


Established Contributor

Re: Garden Club Meeting - June 2014

Hi all
 photo IT_REDDAISY_zps2c12a8e3.gif
Super Contributor

Re: Garden Club Meeting - June 2014


DaniBananiie wrote:
Hi all

There's a familiar face 

Hi Dani

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Established Contributor

Re: Garden Club Meeting - June 2014

Hey MJ.
 photo IT_REDDAISY_zps2c12a8e3.gif
Super Contributor

Re: Garden Club Meeting - June 2014


DaniBananiie wrote:
Hey MJ.

Hope your enjoying your weekend 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?