Filed under: Debt Paid Off
I’ve paid off $31670 this year. Yeah me!!!!
Filed under: Budget, Budget Stretchers, Coupons, Financial Goals, Student Loans | Tags: Coupons, debt payoff, Student Loans, UPromise
Did you know that even if you are done with college, you can sign up with UPromise.com?? I didn’t until recently.
With UPromise, you can link your Credit/Debit Cards to earn additional money that can be used to pay off your student loans. All kinds of purchases (dinings out, travel, general shopping), can help you earn money to pay off your student loan debt. You can also get coupon savings that will be loaded directly to your grocery/store cards.
For me, with the planning that I’ve done about coupons, their use will earn me double savings to be applied towards debt.
Filed under: Financial Goals | Tags: Coupons, Dave Ramsey, debt snowball, I've Paid for it Twice Already, snowflaking, UPromise
We’ve all heard of Dave Ramsey’s Snowball Debt Plan. But have you heard of snowflaking yet? Snowflaking is when you save little bits of money here and there (through couponing, selling things, taking online surveys, etc.) and apply it to your debt. You can read a basic primer about it on I’ve Paid for This Twice Already…. .
So in addition to a debt snowball, I’m going to work on some serious snowflaking so that I can pay down my debt even faster. I’m taking the money I save with coupons and moving it into my savings account. On the 15th of each month, I’ll take the money and pay down additional debt.
I also plan on signing up for Upromise since I can use that money to pay down existing student loan debt. It makes sense to take advantage of everything that I can get where I want to be!
I’ve started couponing to help stretch my $$$$ a little further. It’s amazing what you can do with a little work and some tiny slips of paper.
Deals I got this weekend:
Macy’s:
Shirt that was reduced from $54 to $27. I had a $10 off coupon for any purchase over $25.00. So that dropped the price to $17. With tax it came to $18.10.
Barnes and Noble
Purchased a Calendar and a book. I had a 15% coupon for any one Item plus I got my normal 10% discount for my card. I saved 6.66 total on the order and I walked out of the store for $32.73.
Walgreens:
Used their coupons for ribbon, medium shirt boxes, and gift bags. Total came to 17.10 before the coupons. After the coupons were applied I saved $7.46 and walked out of the store for $9.14
Filed under: Financial Housekeeping, Fraud | Tags: Alert, Check, Fraud, MB EL Entertainment, Police
While I was home visiting my family over the Thanksgiving Holidays, I discovered that someone had the routing numbers to my personal bank account. I had a charge for $39.95 show up on my personal account from a company called “MB XL Entertainment.” These folks are apparently in the porn industry from the searches I’ve read on the internet and from what I’ve seen in my reading, they’ve been very active the past month or so all over the southeastern US. I’m still trying to figure out how they got my information. I had to freeze my bank account until I got home.
Do you know how hard it is to freeze an account when you are away from home? It basically took an act of Congress to get the job done, but I promised the lady at the bank I’d come in as soon as I got home to take care of the Affidavit for Fraudulent activity – which I did this morning.
That was the easy part. The hard part was determining where I needed to file the police report. Was it in the town I used to live in because that’s where the check appeared to be from? “NOPE.” said the League City PD “You need to go to your current jurisdiction.” So off I went to the Houston Jurisdiction where I live. The gal behind the desk checked with an officer and told me “No, you need to go to the city where your bank is and file the report there.” So off to Friendswood I go and I wait – for an hour- for an officer to see me. He told me to go back to the Houston PD and talk with a supervisor. So that’s what I did – only I ended up talking to the police chief of my little burg in Houston.
It seems that they aren’t quite sure what to do with internet check fraud. See in Texas apparently, it isn’t a crime that you take someone’s check until you actually forge the check and use it. However, since there is no actual check with an ACH transaction, no one appears (at least in my area) to know what the heck to do and who you need to file a complaint with. I was really hacked off by the time I was done. I spent 4 hours today trying to get my complaint filed. I got my case number only because I pitched a hissy fit but I got it done. I set a fraud alert on my credit accounts as well.
