I am fiddling around with trying to refinance our home loan today. While I was checking my credit score at Credit Sesame, it offered a better deal on a home loan refinance from Bank of the Internet. I requested a contact and someone did call me. He was very polite and knowledgeable and after getting all my information said my husband and I can refinance our home at 3.125% for 15 year fixed loan.
Long story short. How do you know a company like this is credible? Everything seems legit.
Who would you suggest I try to refinance with?
Viewing the 'my money, making it work' Category
I knew my SavingAdvice friends would be interested to know the total of my "found money" for the past year. From Nov.15, 2011 to Nov. 15, 2012.
Drum roll please....
I found 109 pennies
Not bad for just looking at the ground and picking it up.
I started putting all my found money in a specific jar last year to keep up with it,
Haven't posted anything for over a year, but I come here often and read and get motivation for saving and spending wisely.
I am doing a five-day no spend challenge this week. It has already saved me money. Everytime I think of something to purchase, I tell myself, "No, remeber your challenge."
It really does help, doesn't it?
Just some random things I have said no to today that have saved me money.
1. A diet coke out of the vending machine. I usually keep my office fridge stocked with canned diet cokes that I purchase on sale at about 30 cents a can as opposed to buying a 20 oz. bottle out of the machine for $1.75. I was out of cans today and thought about getting one out of the machine, but luckily, had to say no, because of my challenge.
2. I like to buy music and put on the Iphone and listen to music while I walk. I thought about buying some today and had to say no, not spending money today.
3. Monday is $5.99 pizza night at Papa John's. You can get a large single topping for $5.99. I like to do this sometimes for a cheap meal on Monday nights. As I was pondering what to have for supper tonight, I thought Pizza! No, can't buy pizza, not spending money today.
So, see these challenges really do help us, don't they.
My DH came home from working in Tennessee last night. He drove in the driveway about 12:30. He is still sleeping this morning after his 12 hour drive home yesterday.
He's been gone two months. He is an insurance adjuster and goes out after big storms.
We were happy he got to work. Happy he is home for awhile. He started doing this work about 6 years ago. He is very good at it with his background in construction and building material sales.
I always hate to see him go but I know he is going to help people. After a storm people need their hoems fixed as soon as possible. They are always glad to see him coming.
He's also a Christian man that lives his faith so he is honest and fair to the people he goes to see.
He has even been known to pray with them.
He makes good money when he's gone.
He refilled our coffers on this trip.
I'm off to the church to decorate for Vacation Bible School.
I decided to come home from work at noon today. This sickness that took me to the doctor on Monday is really dragging down my energy. Slept a lot this afternoon.
Picked up DGS on my way home so I didn't have to go back to town and get him. He enjoyed having a little down time as well.
So my day 3 of my challenge was a success!
No money spent today.
I have noticed that I am enjoying NOT going by the store for anything or even the fast food places. I have so many responsibilites and so little time to myself or at home. Eliminating shopping from my schedule is a win-win!
Today was day two of my challenge. I had a chiropractor appt. this afternoon. I have been going twice a week for a few weeks now. I paid for 3 visits today, $45. That will cover today, Thursday and next Tuesday. My challenge is over on Wednesday the 5th.
I know I spent money but this was a planned event and I am not counting it against my challenge.
So even though I spent my first two days of the challenge they were both doctor's appts. so I am not counting either of these days against me.
As far as I am concerned for my purposes of doing this challenge I am doing great so far.
I went to JC Penney and returned a ring today that I had purchased about a month ago. It was too big for me and got a $10 credit back on my JCPenney card.
I didn't spend any money today. I sure wanted to look around in JCPenney but I just tried to keep my blinders on and got out of there as fast as I could.
So tomorrow it is on to day three of my challenge. And it will be challenging. DGS and I always go to church on Wednesday night and always go to McDonalds before church. So I am going to have to come up with something innovative to convince him it is okay to skip McDonalds night.
After church we always stop back by McDonalds for an ice cream cone.
I typed up a long entry and my computer blimped out and I lost the whole thing. It was weird.
Let me continue.
So, I went to the doctor around 4:30 and he did give me a prescription for a Z-pack of antibiotics and a steroid shot for inflamation. (I didn't know I needed steroids for inflamation but that's what I got).
I went to the pharmacy that is closest to my doctor's office to get the prescription filled so I wouldn't use a lot more gas going out of my way.
Then I went immediately to pick up DGS and drove home
Copay at doctor = $25
prescription = $13.29
Total = $38.29
cost of feeling better = Priceless!
I was pondering, before I went to the doctor, where I would go to get my prescription filled if he gave me one. I thought about Target. If I wasn't doing this challenge I would have gone to Target to "shop around" while my prescription was being filled.
I am a shopaholic. I don't spend a lot of money on big ticket items or anything, but I love a sale. I love the clearance aisles at Target. A few small purchases here and there add up.
So my goal is to stay out of stores for 10-days.
The pharmacy I went to had plenty of stuff to look at but I chose to sit in one of the chairs they had provided for waiting.
So, I am going to continue my 10-day no spend challenge because it is working for me to get me back into frugalness.
Well, as they say, the best laid plans of mice and men oft go astray.
This is my first day of my 10-day no spend challenge and I am already challenged.
An emergency has come up and I will have to spend today.
I have been suffering from a sore throat and laryngitis about the last 5 days and this morning it is very painful.
Strept throat is going around my office so I had to make a dr. appt. today.
I will probably have to get a prescription too.
Luckily, I do have an emergency fund in place.
I spent a lot of the weekend planning meals and shopping. It will be quite a feat if I am able to go 10 days without going to the grocery store.
I have already seen ways this challenge has been good for my pocket book.
As I was doing dishes this morning, I was careful to be more sparing with the dish soap because I forgot to buy any more this weekend.
Same with the toothpaste.
Normally I don't think about it and just squeeze probably too much in.
I will end cooking things out of my freezer instead of going out to the store and buying more.
I'm excited about this challenge.
Hi everyone, I have been away again, but I'm ready to back on the train.
Have a new challenge.
I saw this on the Yahoo Business blog. The author said she and some of her online buddies do a challenge where you don't spend any money for 10-days. I guess it's like a 10-day extreme cleanse or something. LOL.
I'm going get my meals planned and shopping done. I filled up with gas today.
I'm going to go ahead and pay any bills early that are due in the next 10 days.
I have a couple of things I know I need to spend money on. I have prepaid my DGS child care with the Y for the next month, but they don't do Fridays so I have to get someone to keep him on Friday. Or, I might just take the day off. That is the easiest way to have a no spend day. Just stay home.
I'm excited about it. I will let you know how I'm doing each day.
My 2003 Dodge Stratus has disappointed me once again. They say it needs to have the transmission rebuilt for $1250. With 104,000 miles on it I guess it hasn't been that bad of a car. I was really hoping to drive it for at least one more year to get some more of our debt paid off.
DH and I went to the Ford Dealership after work yesterday. They actually sell Hyundai also. So I test drove a Hyundai Santa Fe just for the heck of it.
It was new and the price tag was about $24,000. Ugh.
Not ready to add a lot more debt right now. I think we are going to get the Stratus fixed.
They will guarantee the transmission for a year or 24,000 miles.
A year would be a good goal to get ourselves in line to buy a new vehicle.
Hopefully the car won't have any more problems. I would not recommend the Dodge Stratus. I have had too many problems with it.
Wow! I couldn't believe what a can or corn cost at a local grocery store I went to this week.
I had some time to kill before going to an appt. so I went in a nearby grocery store to do a little couponing..
I had seen their ad and it looked like they had some good Thanksgiving specials.
I was browsing the canned food aisle, comparing the coupons I had for canned vegetable.
I had a coupon for Green Giant canned vegetables so I got two cans of whole kernal corn; nothing at all special about the corn.
When I went to pay I noticed they rang up $1.39 a piece!
I thought the shelf label had said they were on sale for $.59 a can. I called it to her attention and she went to look at the shelf. No, she said, the correct price for the corn is $1.39 a can.
Of course I told her I would pass on the corn. But, I just couldn't imagine why they would have it priced so high. I guess that's how they make their money. They advertise good loss leaders, then hike up the prices of the everyday stuff.
J. C. Penney-- Had a coupon for $10 off a $10 or more purchase, so I bought two bath towels on sale for 5.99 each. I only had to spend $2.12 for two super nice, brand new bath towels. I get these great coupons from JCP regularly and this is how I like to use them. I update my bath linens this way with very little out-of-pocket money.
I also got a $15 off a $15 or more purchase from JCP in the mail yesterday for my birthday. I really need a new set of bed sheets so I will probably use this one for sheets.
$4.85 = Grilled chicken salad for lunch at McDonald's.
I usually bring salad already prepared from home but was gone all weekend and haven't made it to the store yet. I will have to make it a point to go by the store on my way home from work today before I pickup DGS from after-school care. I don't like paying too much for my food. I could have bought a cheaper lunch but I just spent the past few months working very hard to lose 25 lbs. I feel so much better
$20.00 co-pay for my prescription for Allegra.
I moved $13,000.00 from our checking account to an HSBC online savings account today so it will earn some interest until we need it to pay bills.
It is paying 1.10% and my checking account pays nothing. I will see how long I can leave it there.
This online savings is what I use for an auto-deduction from the checking once per week. Just $25 per week, but it adds up.
Made it by the store on the way home and spent $28.00 on groceries.
Found a penney on the ground on the way in the store.
New found money total = $ .27.
Hello Saving Advice Friends!
It has been a very long time since I updated my blog. But, I hope to start coming here daily with a few words about my financial life.
When I come here I pay more attention to my saving and spending wisely. I can't do it perfectly like so many of you seem to be able to do, so I think I felt a little intimidated by writing about my financial life here. But, after further review, I know I need whatever help I can get to pay more attention to my money.
So, hopefully, my blog will begin to grow again.
I have credit cards to pay off, a house that needs to be refinanced at a better rate, and savings accounts that needs to grow.
I have recently lost 25 pounds! So that goal has been reached. Now, on to the finances.
My short term goal is to get our travel trailer refinanced at a better rate or simply transfer the entire balance to a 0% for a year credit card. I don't have a working computer at home right now, so I will be posting on my blog from work and there is limited time for that.
Question?.... How do I update my sidebar?
Went to Walmart last night for a few grocery items and I take my coupons and I do price matching there. I showed the checker a grocery store circular where items were offered at a cheaper price than at Walmart. They say they will match the price so I do that. Then I had a few coupons too. Two of the coupons were declined by the cash register. She pushed them back at me without saying a word. I pushed them back at her asking what was up. She said ma'm those are no good. I said "well, they should be." I looked at them, not out of date . . . I knew I bought the items I had presented the coupons for. So I start digging back through my bags to show her and sure enough I had bought the right product. She called a manager over to look at the coupons. All the while she is sighing. You know getting this tired look on her face and rolling her eyes at me. And doing that great big "sigh" thing. Well, the manager looks at the coupons and the products and says yes she would just have to enter the coupons manually because they were good. This brings on more eye rolling and sighing, but she complies.
It was just obvious by her body language that she thought I was a total jerk or something.
I just got so offended by that. I guess I should have gone and reported her to a manager or something.
If the store is going to offer price-matching and honoring coupons, then it is not my fault if things get slowed down a bit.
This is not the first time this has happened to me at Walmart.
Should I call the store and report it?
What would you do?