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Garden Club - October 2022

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expatCanuck
Super Contributor

Re: Garden Club - October 2022

Good morning, Garden. 

 

Ailment.  Antidote. Compress_20221002_081231_1253.jpg

 


2023 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 12-Feb-2024 ]
EQ8415 INQ (Auto, CC, HELOC, 2 mort)7y2m
EX8125 INQ (2 CC, 2 mort, HELoan)6y11m
TU8294 INQ (3 CC, 1 mort)6y6m
5/243/12AoYA 0m | AoOA 23y6m~3%
Message 51 of 635
tcbofade
Super Contributor

Re: Garden Club - October 2022

Good morning boys and girls.  Happy Sunday!

 

No credit news.  Ever.

 

The bad part about liking two very good football teams is that sometimes BOTH of them get prime time slots, so the only games I'm interested in are on very late today and tomorrow.  There will be football on today, but nothing I'm interested in until 7pm.  Meh.

 

Got the estimate from the landscaper....wasn't as bad as I had anticipated... we'll see when he can get it done.

 

Coffee is brewing.  DD#3 is on her way.  DW is starting laundry.  Cat is playing in the laundry sorter. 

 

Hope that you're all off to a good start!

Firco 8 10/01/24: EX 758, EQ 789, TU 779.
Fico 9: EX 765 09/13/24, EQ 776 10/04/24, TU 755 08/15/24.

Zero percent financing is where the devil lives...
Message 52 of 635
tcbofade
Super Contributor

Re: Garden Club - October 2022

Excel sheet updated.

 

12.32% cranberry for me, 15.45% for DW!

Firco 8 10/01/24: EX 758, EQ 789, TU 779.
Fico 9: EX 765 09/13/24, EQ 776 10/04/24, TU 755 08/15/24.

Zero percent financing is where the devil lives...
Message 53 of 635
M_Smart007
Legendary Contributor

Re: Garden Club - October 2022

Morning All!

Looks like @kilroy8 , overslept?

Message 54 of 635
kilroy8
Community Leader
Super Contributor

Re: Garden Club - October 2022

I took a day off, and you left me 6 pages of stuff to read.

 

Wine, bread, coffee, toilets and a 10% temptation that I survived. Obscure parable about cows that went over my head. Everybody seems well, that's what counts.

 

New month, got a diamond and three dark green circles, looking to keep both.

 

Yesterday was doing yard work and very sore today. Could be I need to look into the wine antidote.

Message 55 of 635
coldfusion
Community Leader
Mega Contributor

Re: Garden Club - October 2022


@Anonymous wrote:

@coldfusion wrote:

Fun job of the day #1 completed successfully - the wax seal on one of my toilets needed replacing.   😐


Hmm ... you really do know how to have fun?  Smiley Surprised

 

So I have caulk to reseal windows which ranks for excitement like watching paint dry !  Smiley Sad


That was the 1st of 3 fun jobs yesterday; I also defrosted my freezer and the 3rd one was directly related to my having 2 medium-sized dogs and a fenced in back yard.  You can use your imagination to figure out that one :-x   Today will be a bit less exciting

 

Good morning everyone!

 

 

 

It's pretty breezy here today.

 

 

 

 

Good morning everybody.

(11/2024)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 56 of 635
tcbofade
Super Contributor

Re: Garden Club - October 2022

OK, bills are paid, including five credit card payments.  Four on zero percent deals, and one paid statement balance and will again next month.

 

Made next months budget... it's scary!

 

December should be better tho!

Firco 8 10/01/24: EX 758, EQ 789, TU 779.
Fico 9: EX 765 09/13/24, EQ 776 10/04/24, TU 755 08/15/24.

Zero percent financing is where the devil lives...
Message 57 of 635
expatCanuck
Super Contributor

Re: Garden Club - October 2022

The October balance sheet looks ugly.  Gonna be a BT Q4.  Goal is to keep reported cranberry down to 3% this month.

 

But, hey, the yard is draining nicely.  My sense is that the water table is lower -- the flagstone in the covered patio is dry, notwithstanding the rain.

 

Interested to see if the HELOC reports as a CC.


2023 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 12-Feb-2024 ]
EQ8415 INQ (Auto, CC, HELOC, 2 mort)7y2m
EX8125 INQ (2 CC, 2 mort, HELoan)6y11m
TU8294 INQ (3 CC, 1 mort)6y6m
5/243/12AoYA 0m | AoOA 23y6m~3%
Message 58 of 635
RobynJ
Established Contributor

Re: Garden Club - October 2022

Hello everyone,

This was a good weekend to do absolutely nothing but enjoy a great dinner at Longhorn Steakhouse and relax watching movies. This was truly needed as I'm always go go go.  We have had a great bonding weekend to say the least me and DH.

 

I have no news in the credit world other than I'm still gardening. 

I did some reading on the Amazon Card from Chase and OMG the negative reviews are massive and crazy. It seems like I will never have this card in my sights. 

> > > > > > > > >

Starting Score:
0

Current Score:
My highest 818

Goal Score:
850


Take the myFICO Fitness Challenge



/
Message 59 of 635
expatCanuck
Super Contributor

Re: Garden Club - October 2022

As I was cleaning my son's room (read: my office -- oh look, a Personal Property (Vehicle) Tax bill due in 3 days),

it occurred to me that I'm now 2/12.  And will be 3/24 come December.

(Unless ... .)

 

Garden on.

 

<now playing: Gino Vannelli's People Gotta Move>


2023 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 12-Feb-2024 ]
EQ8415 INQ (Auto, CC, HELOC, 2 mort)7y2m
EX8125 INQ (2 CC, 2 mort, HELoan)6y11m
TU8294 INQ (3 CC, 1 mort)6y6m
5/243/12AoYA 0m | AoOA 23y6m~3%
Message 60 of 635
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