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Garden Club - January 2019

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Moderator Emeritus

Re: Garden Club - January 2019

Monthly checkin.  As noted in last month's thread December was absolutely crazy both financially and credit-wise.

 

This month while I'm not strategizing quite as hardcore on finances as I was last month, did the math and if am not lazy and work 2 years and then walk away from my career, even if I don't earn another dime I get something like 1930/mo in today's money for social security... and if I work another TWENTY years after that, it only increases to 3146/month.  Just doesn't seem worth it, so going to wind up doing the math of how much I really need figuring I'll do something which defrays expenses for the rest of my life, but will be chasing something more socially redeeming than simply making rich people richer as my current working life boils down to.  Also have to figure out if I want to try to do that in California or just move somewhere that's cheaper and has a university that I can basically start over in.

 

Paid off nearly 10% of my aggregate debt last month, reduced my max APR from 17% to 5%, and took my average APR from 4.02% to 3.48% which is a pretty huge win across the board in my book.

 

Short term goal is to finish airstriking my HELOC in the next six or so weeks financially, and try to max out my 401k in 3 months again in case my work situation falls apart; credit wise going to be in the garden till at least 1/1/2020 and probably beyond as I think the credit market has reached it's high point in terms of rewards and chasing SUB's just doesn't seem worthwhile to me.

 

Anyway I hope everyone's 2018 was great, and that 2019 will be even better!  As always best of luck to all in sticking with your credit and financial plans.

 




        
Message 71 of 8,831
Community Leader
Super Contributor

Re: Garden Club - January 2019


@UncleB wrote:

@Brian_Earl_Spilner wrote:

@UncleB wrote:

@Brian_Earl_Spilner wrote:

@UncleB wrote:

@Brian_Earl_Spilner wrote:

Someone tell @UncleB I need that drop down box


 @Brian_Earl_Spilner what do you want added?


Whadya got? What's included in the premium package?


Well, there's the ever-popular laughing smiley, screamer, grandpa, goodnight, and too many others to list here. Smiley Happy


I'll take the deluxe package and will subscribe to the season pass for additional DLC when it becomes available.


Alrighty, @Brian_Earl_Spilner... you should have a drop-down box next to your quote button.  Smiley Wink

 

Don't say I never gave you anything!  Smiley Very Happy


More than I ever gave him smiley-laughing021.gif

EX 753 EQ 769 TU 755
Message 72 of 8,831
Super Contributor

Re: Garden Club - January 2019


@K-in-Boston wrote:

@Brian_Earl_Spilner wrote:

PhotoGrid_1546319553696.jpg


I suddenly want to just let my  Soul Glo.


I believe the children are our future, treat them well and let them lead the way

 

ezgif.com-optimize (16).gif








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Message 73 of 8,831
Moderator

Re: Garden Club - January 2019


@JAG73 wrote:

Oh yeah @Bella007......it just came back to me. You had a great trip in the dirty dirty and tried Chick Fil A. 😀

We have had warm weather here lately, but today it was warm with tornado watches. Thankfully, nothing touched down. I’ll still take it over cold and snow 😝


Image result for amen meme squirrel

Message 74 of 8,831
Community Leader
Senior Contributor

Re: Garden Club - January 2019


@JAG73 wrote:

Oh yeah @Bella007......it just came back to me. You had a great trip in the dirty dirty and tried Chick Fil A. 😀

We have had warm weather here lately, but today it was warm with tornado watches. Thankfully, nothing touched down. I’ll still take it over cold and snow 😝


Yikes! I'm glad none of them touched down! I can't even imagine what tornados are like in real life. Smiley Indifferent


Current Scores------ EQ 681; TU 659; EX 681 FICO 08--- Gardening since 11/7/18
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
Message 75 of 8,831
Community Leader
Senior Contributor

Re: Garden Club - January 2019


@Remedios wrote:

@UncleB wrote:

@Brian_Earl_Spilner wrote:

@UncleB wrote:

@Brian_Earl_Spilner wrote:

@UncleB wrote:

@Brian_Earl_Spilner wrote:

Someone tell @UncleB I need that drop down box


 @Brian_Earl_Spilner what do you want added?


Whadya got? What's included in the premium package?


Well, there's the ever-popular laughing smiley, screamer, grandpa, goodnight, and too many others to list here. Smiley Happy


I'll take the deluxe package and will subscribe to the season pass for additional DLC when it becomes available.


Alrighty, @Brian_Earl_Spilner... you should have a drop-down box next to your quote button.  Smiley Wink

 

Don't say I never gave you anything!  Smiley Very Happy


More than I ever gave him smiley-laughing021.gif


not the mama.jpg

Not true..  just think of all the years of therapy he'll need. 




Message 76 of 8,831
Senior Contributor

Re: Garden Club - January 2019


@UncleB wrote:

@Brian_Earl_Spilner wrote:

@UncleB wrote:

@Brian_Earl_Spilner wrote:

@UncleB wrote:

@Brian_Earl_Spilner wrote:

Someone tell @UncleB I need that drop down box


 @Brian_Earl_Spilner what do you want added?


Whadya got? What's included in the premium package?


Well, there's the ever-popular laughing smiley, screamer, grandpa, goodnight, and too many others to list here. Smiley Happy


I'll take the deluxe package and will subscribe to the season pass for additional DLC when it becomes available.


Alrighty, @Brian_Earl_Spilner... you should have a drop-down box next to your quote button.  Smiley Wink

 

Don't say I never gave you anything!  Smiley Very Happy


Can I have the deluxe package too?









Message 77 of 8,831
Senior Contributor

Re: Garden Club - January 2019


@Bella007 wrote:

@JAG73 wrote:

Oh yeah @Bella007......it just came back to me. You had a great trip in the dirty dirty and tried Chick Fil A. 😀

We have had warm weather here lately, but today it was warm with tornado watches. Thankfully, nothing touched down. I’ll still take it over cold and snow 😝


Yikes! I'm glad none of them touched down! I can't even imagine what tornados are like in real life. Smiley Indifferent


I got to see my first one when I lived with my dad in Louisiana. They’re all running from it and I watched it rip the roof off the neighbor’s trailer and toss it in our yard and then jump away. 

 

It was the most amazing thing I have ever seen, I love storms. 

 

And yes I got yelled at and grounded and whatever for not heading for shelter but whatever, it was worth it. Smiley Very Happy

 

And the neighbor was a terrible person so it was like instant karma. 


Scores 1/2019:
Scores 7/2019:

Hover over my cards to see my limits!
Goal cards:
Message 78 of 8,831
Moderator

Re: Garden Club - January 2019


@macinjosh wrote:

@UncleB wrote:

@Brian_Earl_Spilner wrote:

@UncleB wrote:

@Brian_Earl_Spilner wrote:

@UncleB wrote:

@Brian_Earl_Spilner wrote:

Someone tell @UncleB I need that drop down box


 @Brian_Earl_Spilner what do you want added?


Whadya got? What's included in the premium package?


Well, there's the ever-popular laughing smiley, screamer, grandpa, goodnight, and too many others to list here. Smiley Happy


I'll take the deluxe package and will subscribe to the season pass for additional DLC when it becomes available.


Alrighty, @Brian_Earl_Spilner... you should have a drop-down box next to your quote button.  Smiley Wink

 

Don't say I never gave you anything!  Smiley Very Happy


Can I have the deluxe package too?


You already had most of the good ones, but I added a couple more.  Smiley Wink

Message 79 of 8,831
Senior Contributor

Re: Garden Club - January 2019

Thanks! wavey_zps81xnuobx.gif









Message 80 of 8,831