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| Mon, 08-16-2004 - 5:12pm |
I used to post on this board quite a bit
but have gotten off track lately. We still
owe on a small student loan (about $4,000),
but are doing ok overall with our finances.
We still have a decent emergency fund that we had to
rebuild after our dog had a cancer scare (turned
out to be a spider bite!).
But lately I'm finding that I'm shopping for our
house too much. I've gotten in a bad habit of
charging up our Discover card and then
paying it off. Luckily, we haven't carried a balance
more than a month but it's been getting close to $1000 at times!
If I don't knock it off it won't be long before it's
too much to handle. I paid it off today and am vowing
that I'm DONE with it!
I really need to start concentrating on that student loan
again. It just won't die! Grrrr.
I started up again with Quicken this month. So far our
account is balanced, which never lasts very long. But it
feels good to be back in the swing of budgeting again.
We recently took out a home equity line of credit to get new
windows, but we haven't touched it yet. I think when
they called it a "second mortgage" we both gulped
and decided to wait a while for our windows. Maybe we
can work out a savings plan to pay cash instead!
It WILL be good for energy savings, but there must
be a way to do it without racking up debt.
Anyway, I just wanted to say hi. I'm sure I'll be lurking
around to try to get some ideas to get back on track.
I hope everyone's doing well!

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Honestly, when we got that home equity line
of credit, all of a sudden I started thinking
about sliding glass patio doors, bay windows
and skylights. For a short time I was even
dreaming of skylights with remote controls!!!
It reminds me of my first credit card, feeling
like it was monopoly money or something!
I think paying cash as we can afford it
will help keep those daydreams in check.
Luckily we only have 8 windows total, so
if we work at it we should be able to afford
it in cash. And if skylights with remotes are
so important, I'll have to find a way to pay
for them! Somehow I'll think I'll get by without them!
Hi Zaboz!
All my best,
Danni
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