2015 Financial Resolutions

[Anonymous]

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I have to ask. How in the devil did you get your Freedom down to 10.24%?

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I originally had Cash Rewards Program that was earning 5% at Gas and Drug Stores
but They converted the program on me
So my Card is 8-9 years old
I always ask for lower rates whenever I call
I Usually call them when the Prime Rate goes down
They will raise the APR when the Prime gose up but They just stay put when the Prime goes down
Its funny how these guys work

[Anonymous]

Credit Cards:

Pay down all balances

Get CSP through Chase

Get Barclays (Sallie Mae, Rewards MC and/or Arrival)

Maybe AMEX toward the end if the scores are up. 

Financially: 

Reestablish Savings

Invest

Open a Roth IRA account

Get back to self-sufficiency. 

[Anonymous]

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@Anonymous wrote:

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I have to ask. How in the devil did you get your Freedom down to 10.24%?

---

I originally had Cash Rewards Program that was earning 5% at Gas and Drug Stores
but They converted the program on me
So my Card is 8-9 years old
I always ask for lower limits whenever I call
I Usually call them when the Prime Rate goes down
They will raise the APR when the Prime gose up but They just stay put when the Prime goes down
Its funny how these guys work

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Interesting.

So far, the lowest APR Freedom i've seen is my Mother's at 13.24%, originally a Freedom WMC converted to VS.

[Anonymous]

My Resolutions:

Garden until I hit 700.  

3x CLI on my Everyday, then again 6 mos later.

PIF every month, on everything except the Discover it.  

[Ragelog]

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@Ragelog wrote:

1. Garden all year from Credit Cards or Lines (if life happens and I need to move or change cell phones etc I won't count that)

2. Continue putting money in my 401k possibly increase from 5%

3. AMEX 3x CLI February 13th

4. BOA Secured Card Graduation March 2015

5. Walmart CLI April 2015

6. Capital One Credit Steps Increase May 2015

7. Barclay Auto CLI June 2015

8. Hope for Chase CLI's and keep hitting my Comenity LUV Button monthly for Overstock.

9. Win Powerball

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Already acheived #4 as they unsecured it early and gave me a CLI from 500 to 2000. Refunded my Security deposit.

[Anonymous]

1. lower my CC debt <30%
2 .apply for Chase Freedom in January-February
3. scores should bump to 700+
4. lower and maintain my CC util <10%  
5. apply for CSP in summer-August (maybe I'll apply for the BCE too)
6. learn more about CCs and credit in general.
 

[creditFiend]

One year of gardening.

Pay down BT

Requesting SP increases on current cards

I'm interested to see what my scores will look like after my paid judgment falls off Jan.2016. 

I hope to gain some knowledge on investment properties during my off time of apping.

[elim]

While Gardening 9 more months...

Pay and Remove Fed Tax Lien (only neg item on reports) with Fresh Start Program

Grow savings for commercial mortgage down payment

ehhh, maybe a soft pull CLI or two

Good luck everyone on your financial adventures  :]

[JMills]

Quit my 7 year job. Start my real estate business, continue increasing my credit scores,pay off all my credit cards, purchase a home and enjoy life. Travel More

[tcbofade]

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@JMills wrote:

Quit my 7 year job. Start my real estate business, continue increasing my credit scores,pay off all my credit cards, purchase a home and enjoy life. Travel More

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You're in for a busy year.