Philoscript's Personal Finance Blog

September 11, 2006

(Philoscript) — Mon, 11 Sep 2006 05:35:30 PST

I don't know about anyone else, but I'm feeling really uneasy today. Perhaps, it is because of what happened five years and being jolted awake upstate by my father telling me to stay put and that he was reporting to the Trade Centers (he's part of EMS)It could also have something to...

Rebate offer from Colgate Total for Full Price

(Philoscript) — Thu, 07 Sep 2006 19:22:15 PST

Go to www.colgate.com and enter your information for a rebate mail in form good through 11/12/06.

I got a raise!

(Philoscript) — Wed, 28 Dec 2005 13:13:43 PST

I got a raise up to what I was making at my previous job!!! I'm so happy. It'll definitely help us out. Perhaps we'll get that house sooner than we planned! Back to work....

Christmas Bonus

(Philoscript) — Tue, 27 Dec 2005 08:04:39 PST

I think I was a little harsh on the transit workers. However, I did spend a lot more money than I should have in the three days they were on strike. Anyway, I received a Christmas bonus from my job and applied half to credit, $200 something to house fund and another half to christmas...

Transit Strike 2005

(Philoscript) — Tue, 20 Dec 2005 08:14:47 PST

Well, we are in the middle of a transit strike. Thanks to the workers I now have to pay almost $18 to get to work instead of $4. Personally, I think they should all be fired for breaking the law. Other than that, we are finally done Christmas shopping and sending out the cards. I am...

Update

(Philoscript) — Wed, 07 Dec 2005 07:00:27 PST

We are over budget this month by almost $300 dollars due to unforseen vet costs for two cats and buying some home goods to make our home more presentable this season. We had no lampshades on our lamps and our lamp in the bedroom wasn't giving off enough light to see. Anyway, I was...

Update to Loans

(Philoscript) — Tue, 15 Nov 2005 14:53:33 PST

I decided not to consolidate them but rather to put them on a graduated repayment plan. It frees up money but doesn't increase the time of the loan. Granted, it does make the overall payment more, but it's doable in two years for the increased payment. Time will tell....

Anyway,...

Consolidate Student Loans?

(Philoscript) — Tue, 15 Nov 2005 11:07:57 PST

I'm considering consolidating my student loans. The payments will be less and will free up more to pay higher interest debt with higher balances. However, I know in the long run the payment to the company will be higher. I don't really know what to do...at the rate we are going, the...

I found my credit card and statements....

(Philoscript) — Thu, 03 Nov 2005 06:36:20 PST

I got upset about nothing....I found my credit card and statements in the file box where they are supposed to be. However, they were behind the thick folder of student loan statements so they were easy to miss. Thanks for all of the support and advice everyone. I appreciate it.

I am so mad at myself!

(Philoscript) — Wed, 02 Nov 2005 06:42:45 PST

I lost my credit card statements and credit card somewhere in my parents house or my own apartment during the move. I can't seem to find them and I'm beating myself up for it. I'm debating if I should cancel the card. but I've been watching the account for months and nothing new has...

Still Under Budget with 3 Days to Go!

(Philoscript) — Fri, 28 Oct 2005 10:13:29 PST

It's Friday! I'm soo happy it's Friday. I love my job, but it's so stressful.(not to mention I'm not making much of a salary). I make almost half of what DH makes and my bills certainly outweigh his before the marriage. I hate the fact I brought so much debt into this relationship....

Steak on a Budget

(Philoscript) — Mon, 24 Oct 2005 07:04:46 PST

We bought steak and all sorts of beef under budget this weekend. I am soo happy there is no more chicken. I love chicken, but there's only so much you can take. Anyway, I did some Christmas Shopping this weekend and I must say we are almost done with our lists. I also bought a crockpot...

We Have Enough for Cable, a Cable Modem and to Keep the Car!

(Philoscript) — Fri, 21 Oct 2005 06:34:32 PST

As you can see from the title, DH and I reevaluated our budget. The "dummy" (I say this in jest) forgot to include my salary when looking to keep what was formerly just his car. The insurance rates here in NYC are killing us in addition to the car payments, but the car is necessary...

Christmas Shopping

(Philoscript) — Thu, 13 Oct 2005 05:52:25 PST

The holidays always seemed to be a stressful time in my family. When we were younger, my family traveled out of state to see my grandmother and aunt/uncle. We would sit in a car for five hours asking "Are we there yet?" I remember those car rides as a child, but most of all I remember...

Personal Short-term/Long-term Goals

(Philoscript) — Wed, 12 Oct 2005 12:37:39 PST

Short-term goals:

1. To develop two sources of income other than my current full-time employment that brings in a steady income. They can be from the following: administrative, household, writing/editing, etc. Online magazine....

2. To earn $100 dollars more per month to apply...

Combined Goals of a Married Couple

(Philoscript) — Wed, 12 Oct 2005 12:34:05 PST

Within the next five years, we hope to:

1. Buy a house:

Ideal Criteria:

a. Price- No more than $300,000 depending on future income
b. Large enough to accomodate two children and maybe three
c. Ideal 4 bedrooms for a home office, 3 is acceptable
d. Pool
e. Large spacious...