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Garden Club Meeting - September 2013

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myjourney
Super Contributor

Re: Garden Club Meeting - September 2013


@tinuviel wrote:

@BearsAndTurtlesRtheBest wrote:

I get my bronze spade on the 3rd cant wait!!!!


I get my gold the following day, on the 4th. Looks like a good week coming up for us both. Smiley Happy


Early Congrats on the gold Tinuviel

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?
Message 51 of 4,450
myjourney
Super Contributor

Re: Garden Club Meeting - September 2013


@CREDITSURFER wrote:

6 more days for my spade!!!!


T-6 Wooo Hooo

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?
Message 52 of 4,450
myjourney
Super Contributor

Re: Garden Club Meeting - September 2013


@creditnocash wrote:

good luck too both of you! 

on my 9th  month of garedning on sep 5th! woo 

just passed my inq mark. meaning no inquries for anything in the past year! 

 

ill be working on cutting utility! January is right around the corner! (also my first batch of inquries that fall off 1 in jan/4 in feb) 

 

good luck everyone, i know you can do it! 


You the man bravo don't stop now Smiley Wink

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?
Message 53 of 4,450
myjourney
Super Contributor

Re: Garden Club Meeting - September 2013


@Bluebonnet wrote:
Going for my bronze spade this month!!

Stay strong you can do it 

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?
Message 54 of 4,450
eviLution
Established Contributor

Re: Garden Club Meeting - September 2013

Congrats on joining the gold club tinu!

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Message 55 of 4,450
myjourney
Super Contributor

Re: Garden Club Meeting - September 2013


@tld409 wrote:

Yet again back to seedingSmiley Embarassed I have to stay focused and at least make it to the Gold. 


Welcome back

The path to gold is one day at a time after that it becomes easy

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?
Message 56 of 4,450
FocusedAndDetermined
Senior Contributor

Re: Garden Club Meeting - September 2013


@parakleet wrote:
I can't believe it's already September! Hope everyone is enjoying their holiday weekend! I'm still a little seedling but I'm pretty confident I'll make it to bronze. I've already made it to bronze twice (😝I think)! But each time, I ended up stepping out - for good lots of money saving TLs though! This time, I have pretty much everything I need at the moment so barring something crazy happening (like my 15 yr old Toyota crapping out in the next month), I want to shoot for silver.

You'll make it to bronze and beyond!

 

We are pretty much in the same boat. I am quite content with the cards I have, so for the time being gardening is easy.  After the first of the year, when I start to think about a real vacation, I will look at some sort of travel rewards card.  For now, here I stay.

 

Regarding your car, don't tempt fate.Smiley Wink

Message 57 of 4,450
myjourney
Super Contributor

Re: Garden Club Meeting - September 2013


@tinuviel wrote:

@FocusedAndDetermined wrote:

@tinuviel wrote:

@BearsAndTurtlesRtheBest wrote:

I get my bronze spade on the 3rd cant wait!!!!


I get my gold the following day, on the 4th. Looks like a good week coming up for us both. Smiley Happy


WTG - never a doubt that you would reclaim your status.


Thanks. I'm also thrilled that my scores have bounced not only back, but also higher, after every stint of gardening. For example, a year ago on  August 24 I apped for four cards; my EQ score was 723. After the app spree and all of the cards reported, I dropped down to the upper 600s -- ouch! But I bounced back, and when I did my final bit of apping on March 4 of this year, my EQ score was 766. Again, after everything reported, I fell down to 734. Now that I've sat back and allowed things to age, I'm up to an EQ of 772! I imagine my scores have or soon will reach a plateau, but I'm very happy with where I'm at. It's a long, long way from where I started this journey. Using cards responsibly coupled with spending meaningful periods of time in the garden have really paid off.


Tinuviel you're a Fico high roller now and it gives us inspiration to know the right way to garden along with proven results we can seeSmiley Wink

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?
Message 58 of 4,450
09Lexie
Moderator Emerita

Re: Garden Club Meeting - September 2013

Happy September GCers! I couldn't leave without signing in for the month and wishing you all well in your gardening journey.

September should be good for me score wise. I will have 3 inqs/accts on EX/TU aging to 1 yr.
Also, it'll be 6 mos from my mega spree of March.

I wish everyone well and I'll be checking in next week .

myjourney, keep 'em in line. Smiley Tongue
Message 59 of 4,450
FocusedAndDetermined
Senior Contributor

Re: Garden Club Meeting - September 2013


@09Lexie wrote:
Happy September GCers! I couldn't leave without signing in for the month and wishing you all well in your gardening journey.

September should be good for me score wise. I will have 3 inqs/accts on EX/TU aging to 1 yr.
Also, it'll be 6 mos from my mega spree of March.

I wish everyone well and I'll be checking in next week .

myjourney, keep 'em in line. Smiley Tongue

Thanks for stopping by, Lexie.

 

Have a super-fantastic vacation!

Message 60 of 4,450
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