Debt Free or Bust!

To refinance or not to refinance. That is the question.

(Snoopy) — Tue, 14 Apr 2009 13:14:54 PST

I need some advice about whether or not refinancing would be a good idea. We currently have a 30 yr fixed FHA loan with an interest rate of 6%. The balance we owe is $126,915.43. Our principal and interest payment is $814.24 and our PMI is currently $52.35 monthly. Our escrow (taxes...

Blogging Again

(Snoopy) — Mon, 09 Feb 2009 08:34:23 PST

I haven't been on here in a while but I've missed this place so I decided to start up again.

The following is from a blog entry of mine on 3/22/07:

So, about my debt... Here is what I have:

Visa card - New balance before I paid $50.00 yesterday was $2,254.08. APR is 13.18%

Discover...

Thoughts on getting rid of home phones

(Snoopy) — Wed, 16 Jul 2008 07:02:19 PST

My husband and I each have cell phones and do most of our talking on them. Until the year before last we also had a Verizon home phone but I felt that was a rip-off so we got Sunrocket and when the went out of business we got Vonage. I am happy with the Vonage plan we have and have...

Taking your advice

(Snoopy) — Wed, 30 Apr 2008 05:01:35 PST

Thanks for the advice, y'all. We discussed it last night and decided to keep the Explorer and pay it off asap (including using our tax rebate money on it). His job will be full time but he will work 24 hours and be off for 48 hours, so that is where the every third day thing comes...

Advice on a used car/truck

(Snoopy) — Tue, 29 Apr 2008 10:47:55 PST

Well, so much for more frequent blog entries. Sorry about that. Life gets in the way sometimes.

Excellent news since I last wrote. My husband got a job in a local city as a firefighter/paramedic. I am soooo proud of him. He worked long and hard for this and it is going to...

Entertaining Kids on the Cheap

(Snoopy) — Thu, 28 Feb 2008 13:21:42 PST

My SIL called this week and asked us to keep her four kids on Saturday. She is going to drop them off Friday evening and pick them up after bedtime on Saturday night. TB and I are excited about it because we always have a lot of fun with them. The three boys are 11, 10 and 9 and...

More catching up...

(Snoopy) — Mon, 25 Feb 2008 06:02:46 PST

We had a relaxing weekend and didn't spend too much money. Yesterday after church we went out to lunch with two couples from our Adult Bible Fellowship class. They're both around our age and we have a lot of fun with them. One of the couples is expecting their first baby in two...

Starting here again...

(Snoopy) — Fri, 22 Feb 2008 12:22:27 PST

Well, I haven't written here since April of 2007 and I am kind of depressed because I don't have that much accomplished (debt snowball wise) since then.

I have been reading a lot of the other blogs and enjoy them though so I decided to start back up.

So, we got our tax refund...

Of cars and coupons

(Snoopy) — Wed, 25 Apr 2007 07:08:59 PST

Well, I called a guy that TB volunteers with at a local fire department and who owns his own shop. He agreed that I should probably get the maintenance done soon since I'm pretty far over the manufacturers recommended time to do it. He quoted me a price of $773.52 w/ tax, which includes...

Belts and Stuff

(Snoopy) — Tue, 24 Apr 2007 16:54:58 PST

Bills paid today:
Geico Auto Insurance - $120.88
TXU Electric - $164.97 (budget billing amount...actual bill amount was 94.91)
Bank of America (truck) - $311.55 (balance before payment was $6,701.21)
Sprint PCS - $50.62
Visa - $50.00 (balance before payment was $2,231.48)
Discover-D...

Blue Bell

(Snoopy) — Mon, 23 Apr 2007 06:30:23 PST

Random Observation from the weekend: How in the world I have gone 28 years without knowing the awesomeness that is Blue Bell Buttered Pecan ice cream is a distinct mystery to me. That's all I have to say about that.

Well, the house is clean and the laundry is actually done and...

Contacted an ELP

(Snoopy) — Fri, 20 Apr 2007 10:52:30 PST

Thanks everybody for your comments yesterday. I got the letter to the collection agency sent off yesterday, certified and return receipt requested. I look forward to getting to the bottom of this and getting it behind us. TB is going to say something to his mother the next time...

Collections Notice!!!

(Snoopy) — Thu, 19 Apr 2007 07:27:55 PST

TB and I have never missed a payment on anything. It has been tight and money has had to be shuffled, but we have never once been late paying. As a result, we have never had to deal with a collection agency. Until yesterday.

Imagine my surprise when I open up the mail to see...

BBQ Dinner

(Snoopy) — Wed, 18 Apr 2007 09:00:33 PST

I missed updating yesterday. Oops! One of my coworkers has been out all week and I am having to do both of our jobs. Busy, but I like it that way. Makes the time go faster!!

I haven't even had time to balance my checkbook this week! I normally try to do it every day or every...

Dave Ramsey Sale

(Snoopy) — Mon, 16 Apr 2007 07:20:28 PST

Last month I accidentally left my garage door up and realized a few days later that some items had been stolen from my car. Nothing else was taken from inside the garage (we don't have a lot in there anyway since we both park in there) just items from inside my car. The items taken...

Sick

(Snoopy) — Fri, 13 Apr 2007 11:45:18 PST

Thanks for your comments yesterday! **hugs**

To answer a question asked, I think that it will take us about 1.5-2 years to get the rest of our debt paid off. Mind you, I have not been as gazelle intense as I could have been in the past few months but I am not kidding when I say...

Need new glasses

(Snoopy) — Wed, 11 Apr 2007 07:22:59 PST

Hardly anything is working here today. I've been here since 6:30..it's now 9:30 and I haven't done squat. Except read your blogs and balance my checkbook, that is. Hopefully they get the (server) issues resolved soon because this is getting old.

TB and I both wear glasses (I...

Busy, Busy

(Snoopy) — Tue, 10 Apr 2007 08:56:05 PST

Busy day yesterday. I worked and then went to a pizza and game night at a friend's house. It was a Lady's Night Out type of thing through my church and the first one I have gone to. I got to meet three new people from church so that's always good. I have been going to my church...

GEICO Privileges Savings Program

(Snoopy) — Mon, 09 Apr 2007 15:19:47 PST

GEICO Privileges

I found this today and thought it was pretty cool. It's the GEICO privileges savings program. You can get discounts at hundreds of national retailers.

It is a free service provided by GEICO. You do not have to be a policyholder to sign up, you just have...

Easter Weekend Spending

(Snoopy) — Mon, 09 Apr 2007 08:29:06 PST

The weekend is over way too quickly, as usual. Friday night TB's dad and stepmom came in to town so we all went bowling. Eight adults and six children. Good times. We had two lanes for two hours. Total cost was $100 for the lanes and shoes but it was split up so we didn't have...