Decisions, Decisions

I've been fretting over the choice to give BofA $300 at the month's end or whether I should put that $ in my E-fund. I really want to pay them off. The real deal are my thoughts of what's happening w/the economy. That means I'm worried. Why? I know who my Source is. I guess my thinking is my debt payments total $260 roughly. I can afford to skip a month so I can save. I really don't think I'll go for this option, but it's great to flesh it out. Actually I'll wait to see what my paycheck looks like and see if I can put at least $200 in the E-fund.

What Am I Doing???

Haven't really checked in w/Ramit in a few days. I'm disappointed with my actions.

On another note I'm paying BofA $200 with this paycheck and I will send them $300 at the end of the month.

There's nothing to do but just begin again. No need to be too hard on myself.
Peace!

A Lot Less Anxiousness

I'm noticing that w/each paycheck I'm not as anxious as my paydate approaches. Neither have I felt the urge to race to our website to see what my amounts will be the moment the company posts the info. In the past I would often be early and have to wait a few days. Perhaps this is because I usually have enough make my debt payments (sometimes a large amount and sometimes an amount above the mimimums). I'm noticing still some habits I don't particularly like. One is spending whatever is in the account once everything is saved and paid. I could always save more since my savings are at a mimimum right now. Most importantly I miss the excitement I had when I was able to send hundreds of dollars more than I'd expected. I'm afraid that means I'm slowing down in my game. It could just mean I'm settling down to what I have to do. Over and out!

Saving 1K

Over at iwillteachyoutoberich.com, Ramit Sethi has proposed the save $1,000 in 30 days challenge. In reading about it I sometimes tend to shy away from doing the work until I can erase whatever tape is running in my head. My first post was received today which was start taking lunch. I do this regularly so I'm okay there. I know I'll run into a problem w/my Altoid usage, but more on that later.

Steps to Deal With Citibank

Whew! I didn't realize it had been so long. I must have gotten so fired up after my debt payments celebratory post...

Well tonight I'm tellin' on myself. I have an outstanding $236 balance w/Citibank. Now I've been getting mail from a collection agency. Because I was traveling and didn't open the mail, I answered after 30 days. I was new to the idea of validation, so that wasn't my first thought.
I called them and let them know what payment arrangements I would make. I received a letter from another rep the following week offering me a better deal. Since then, and I'm talking eight months ago, I've received letters offering me various deals by mail. "Make three payments totaling $107. Because it's tax season we're going to offer you to pay only half", you get my drift. Hmm...I'm just a little suspicious. When are collectors so nice? Also after one or two unreturned phone calls they stopped calling.

Tell you what! Since I haven't pulled my credit report in a while that'll be my first step. If the debt is not listed I'll send them a validation letter. If they are I'll make steps to pay them so it can be removed from my report. God! I've felt like such an idiot on this. Also I'll go to creditboards.com for more info.

Whew!! Now that wasn't as bad as I thought.

We Did It!!!

Yes We Did...