Garden Club - June 2021

[calyx]

North Carolina problems:

Mr c tells me he's going to "Lowes"    I think it's excellent and think of the groceries we need.    He then gets ready to go.
"Aren't you making a list?  I need some things"
He's already planning on getting my bird seed and a replacement hose.

OH... Lowes the big blue store, not Lowes the grocery store (yes, we have both, yes, both started by the same family).

[kilroy8]

So, Prime Days Jun 21-22.

Target Deal Days Jun 20-22.

Walmart, you're on the clock ...

Will be like Christmas in July June.

[Anonymous]

Morning! 

Checking in for June. 

AZEO and 2% util plus potential Discover graduation should update tonight or tomorrow. Unless Discover changed their mind, hopefully not. Don't believe I've done anything that would adversely affect this account so fingers crossed. 

Woke up with an intense craving for Pad Thai so ordering from one of my favorite restaurants. Impatiently waiting for them to open at 11. 

Two tests away from being done with this quarter and moving toward a job thats not mind-numblingly boring and mundane. Its not that bad....but not great either. Bunch of mostly automated number crunching. Gives me plenty of time for Nook reading and thats about the only positive. Except for the salary of course, since being an adult comes with these pesky things called bills. 

Hope you all have an awesome start to the month!

June.jpg

[Adkins]

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@calyx wrote:

North Carolina problems:

Mr c tells me he's going to "Lowes"    I think it's excellent and think of the groceries we need.    He then gets ready to go.
"Aren't you making a list?  I need some things"
He's already planning on getting my bird seed and a replacement hose.

OH... Lowes the big blue store, not Lowes the grocery store (yes, we have both, yes, both started by the same family).

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That's still weird to me. 🤷

[Adkins]

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@kilroy8 wrote:

So, Prime Days Jun 21-22.

Target Deal Days Jun 20-22.

Walmart, you're on the clock ...

Will be like Christmas in July June.

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I figured Walmart would be the first ones out of the gate to match Prime Day. 

[Adkins]

I'm doing laundry's, in which I mean throwing stuff in and out of the washer and dryers. 

[Adkins]

Oh look, I have Kohl's cash! Whatever shall I spend it on? I've actually let $5 kohl's cash expire before. There simply wasn't anything I needed and I refused to buy something just use it up and then have to pay the difference. It's a trap, really. 

Money money money money, mooooooney!!!

[kilroy8]

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@Adkins wrote:

Oh look, I have Kohl's cash! Whatever shall I spend it on? I've actually let $5 kohl's cash expire before. There simply wasn't anything I needed and I refused to buy something just use it up and then have to pay the difference. It's a trap, really. 

Money money money money, mooooooney!!!

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She's gonna pop some tags ...

[MudkipsRKooL]

Just like to say I left the "garden club about a month ago", on June 15, 2021. I was in the Garden for 1 year and 1 month. The previous card I  had was back in April 2020. My FICO score (EX) was 747 after the Amex BCE pull and climbed 29 points to 776 shortly before my current US Bank pull on 5/13/2021. Notably I reduced 2 HP from my credit and 2 HP are not scorable (more than 1 year old).

Was it worth it? Sorta. I missed the Chase Freedom, Wells Fargo Propel deadline and the CSP 80K bonus SUB as well as others but I don't think I was churning in the first place. But IMO it's a good benchmark and also proves that these FICO estimators are sorta accurate and not just giving willy nilly estimates. Current projections say I will gain about 12 to 18+ points if I maintain 0 inq and low balance in 1 year. Or about 18 months I will get near 800 score (794). That is very encourageable to me, yet many people have re-iterated that anything over 760 is just icing on the cake and I should sorta be "shopping" for credit. I guess time will see.

Anyways sorry guys I'm out of the garden, I hope u guys understand and hopefully this doesn't deter the "spirit" of the garden and just a bit of datapoints for people whom are still in it. 29 points for being in garden for 1 year + 1 month isn't bad. I'd probably do it again sometimes when I achieve a number of credit I want. I'm almost 1/2 into all the credit cards I want, surprized at myself so far, never thought I'd get this many credit cards in 2-3 year's time.

[Anonymous]

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@MudkipsRKooL wrote:

Just like to say I left the "garden club about a month ago", on June 15, 2021. I was in the Garden for 1 year and 1 month. The previous card I  had was back in April 2020. My FICO score (EX) was 747 after the Amex BCE pull and climbed 29 points to 776 shortly before my current US Bank pull on 5/13/2021. Notably I reduced 2 HP from my credit and 2 HP are not scorable (more than 1 year old).

Was it worth it? Sorta. I missed the Chase Freedom, Wells Fargo Propel deadline and the CSP 80K bonus SUB as well as others but I don't think I was churning in the first place. But IMO it's a good benchmark and also proves that these FICO estimators are sorta accurate and not just giving willy nilly estimates. Current projections say I will gain about 12 to 18+ points if I maintain 0 inq and low balance in 1 year. Or about 18 months I will get near 800 score (794). That is very encourageable to me, yet many people have re-iterated that anything over 760 is just icing on the cake and I should sorta be "shopping" for credit. I guess time will see.

Anyways sorry guys I'm out of the garden, I hope u guys understand and hopefully this doesn't deter the "spirit" of the garden and just a bit of datapoints for people whom are still in it. 29 points for being in garden for 1 year + 1 month isn't bad. I'd probably do it again sometimes when I achieve a number of credit I want. I'm almost 1/2 into all the credit cards I want, surprized at myself so far, never thought I'd get this many credit cards in 2-3 year's time.

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So you took a trip to the future and came back? lol Share your secret!