My scores took a hit this month cause I let some balances post. I am in the process of moving from a 3 bedroom to a 2 bedroom house to save money on the rent. savings of 215 a month. I will still owe almost 400 on the house I am moving from and the rent for next month on the new place. The new place is smaller and seems to be better insulated with killer ceiling fans that actually move air around, so that will help on the summer time electric and possibly the winter time to circulate the warm air. The new place has had the windows replaced so it will help also. I need to figure out my next plan of action...
old rent 740 new rent 525
old electric and internet 212 new ???212
water bill 35 35
cell 50
amazon 97 balance 25
emblem 100 balance 15
walmart 303 25
paypal 183 25
student loans 2500 65 were rehabbed 6-10 aes cant get their reporting straight some has been paid off by income tax offset but still reporting
120 day late will be off report 1st of year
loan 500 80
orchard 125 25
gasoline 40 a month
car ins paid yearly 290 yr for liab and unins
car payment none
daycare none (work from home)
total 1037
take home min 1970 (usually over 2000 paid biweekly using 2 paychecks a month)
no real savings yet about 50.00 in savings
baddies that will remain after the 1st of the year
AA 766 est removal 4-14
AFNI 726 est removal 4-14
CCS 0 paid refused to delete. est removal (9-14)
What beside paying down cc and savings should be my plan of action for purchasing a house in 2013? Should I go ahead and pay off the remain balance in SL and approximately how much do I need for 100K house? (top end of what I am looking for) hoping 60-75K
There is other side income and this does not include groceries and other things for the house. Just me and a 4 yr old. no child support coming my way.
