I just stopped by to trade my emerald spade for a sapphire spade. 3 more months to go for
diamond, woot.
I reached my personal credit goal of 850 FICO in December. It took me 21 months of strict gardening, which
is actually about 6 months shorter than I thought it would take. There's not really anything new credit wise on
the immediate horizon for me. Eventually I need to do a few things that will require new inquiries and
accounts, but maybe not in 2016:
1. I have 90K UR stashed on my freedom and ink. Eventually I need a CSP to get the points transferred to partners.
2. I am 4 years out till my 7-1 arm resets. At that time I may need to pay it off if rates are way up. I need to set up a
15 year shared secured installment loan with NCFU against the contingency I have to close my only open loan - my mortgage.
3. I am interested in what Schwab is going to offer this year for a credit card.
I have actually become inquiry and new account phobic during my gardening stint. It is really hard to consider tainting my
hard won credit report with anything new. It's a sickness that doesn't seem to be very contagious, lol.
Also, since it seems like several of us are observing the new year from vacation locations, I'll admit to
being in Kailua-Kona. It isn't Jamaca, but its a pretty nice place to wake up on New Years Day. The fireworks
over town last night were pretty impressive.
.
+
850 FICO8 since 2015, Thanks MyFICO - 5+ years since last HP
bada_bing it looks really nice! Id have gotten to Hawaii by now if it wasnt so darn expensive for me. 
Enjoy yourself
Enjoy yourselfI found one! But he wasnt in the mood to open those gorgeous feathers 
Thats ok, still beautiful. Spent half the day in the sun then watched a live band performance outside under the stars. Think its time to call it a night. Im getting too old for late night fun 
Still trying to recover from being up til 4am. I hope Hyatt Zilara is as nice as this place.
@Anonymous wrote:I found one! But he wasnt in the mood to open those gorgeous feathers
I'm so jealous! I spent my day in the economically depressed city of Tucson, lol.
What a pretty peacock! 
I wish I could wake up to palm trees, warm weather, the beach nearby...hmm...wait a second...
Quicksilver $10,000 | Better Balance Rewards $2000 | Sallie Mae $3500 | Freedom $3500
Happy New Year GC!
NFCU cash $50k | BofA Cash Rewards $35k | USAA Rate Advantage $20K | Amex BCP $18k| Costco Anywhere $18.5k | Amex HH Surpass $15k | BofA $14k | WF $14k | Apple Card $6.5k | Cap One QS $4.5k | Sephora Visa $4k | Discover It $8.5k | Citi DC $3.5k | Citi AA Mile Up $5.1k | Chase Amazon $3k | Amex ED $3k | Chase IHG $3k | Chase Freedom Unlimited $4k | Chase Freedom $2.5k | Citi Rewards $2k | Last HP 7/28/25
Greetings and Happy New Year, all.
I'm getting in on page 8 or 9. Some of us (me) got stuck working the holiday, but it's all good.
I rarely make resolutions, but I decided to practice more gratefulness in 2016. I've been very blessed with a good life, good career, and good friends. And, thanks to MF, I've been rebuilding my credit in ways I didn't think were possible. So, I am also grateful for the education I've absorbed from all of you.
I will hit three months in the garden on 1/12. Yay, excited to get my silver spade.
My December gardening highlights included:
- Closing my Barclay Reward MC. (That one only took two attempts before it actually happened.) Length of time I had this account was 1 year and 10 days.
- Closing my J Crew card. Length of time with this account: 11 months, 5 days
- Got a CLI on my Cap1 QS WMC $13,000 --> $16,000 (I've had this card since 2007)
- Got a CLI on my Discover it $32,000 --> $38,000 (I've had this card since 2012)
January looks to be fairly quiet month for me with regard to credit, other than staying in the garden.
Happy gardening, folks.