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Garden Club Meeting - September 2013

Moderator Emerita

Re: Garden Club Meeting - September 2013

Message 81 of 4,450
Super 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.

Bronze is easy for you .....you know how to garden...get er done 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 82 of 4,450
Moderator Emerita

Re: Garden Club Meeting - September 2013

@Focused

Thank you. Take care driving DD back to school.
Message 83 of 4,450
Super Contributor

Re: Garden Club Meeting - September 2013


eviLution wrote:
Congrats on joining the gold club tinu!

Hey stranger you're doing pretty good to

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 84 of 4,450
Super 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

Have fun ...enjoy and make great memories Hawaii her she comes 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 85 of 4,450
Super Contributor

Re: Garden Club Meeting - September 2013


FocusedAndDetermined wrote:

Well, I have an early morning tomorrow to return my DD to campus, so I'm signing off for the night.

 

Everyone have a happy, healthy and safe Labor Day weekend.  If I'm not to wiped out I will pop in tomorrow.


Night be safe and don't be crying when you drop DD off at school Smiley Happy

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 86 of 4,450
Super Contributor

Re: Garden Club Meeting - September 2013


FocusedAndDetermined wrote:

@myjourney

 

Looks like you will be on your own for a bit, bt I know you can handle it.Smiley Wink

 

Send up a flare if anyone steps out of line.


Lol

You got 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 87 of 4,450
Regular 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.

I have a 15 year old Toyota too! My mechanic told me it's good for at least another 75,000 miles.Smiley Happy On another note, I've changed all my plans and decided I'm going to shoot for one year in the garden.

Message 88 of 4,450
Super Contributor

Re: Garden Club Meeting - September 2013


hot4u wrote:

myjourney wrote:

FocusedAndDetermined wrote:

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.


Well, you certainly are inspiring and encouraging!

 

I don't know where my scores were after I filed bk7 in 07; I was too afraid/depressed to look.  I figured I was dead in the water for 10yrs.  I was able to get 1 CC in 08, a WaMu platinum Visa, and that was all I had for years.  Applied for one or two cards, but was denied.  Sat back and was bascially cash-and-carry for a good stretch of time. 

 

Since joining myfico in Dec '12, I have obtained 5 new cards after PCing my Chase Visa to a Freedom.  Now, I'm quite content to nurse my Discover, Barclay MC and VS.  (The other two don't get much use.)  My current scores range between 730 and 765.  I want to get, at least 1 score, to 800.  So, in the garden I stay until the dust begins to settle.


Looking at your scores and knowing you are giving it your all I see nothing but success BRAVO


Congrats.. Hope some day to have your scores


You can do it tooSmiley 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 89 of 4,450
Super Contributor

Re: Garden Club Meeting - September 2013


hot4u wrote:

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

Lexie,

Will be waxing Boogie Board for you...Smiley Happy


LOLSmiley Surprised

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 90 of 4,450