What did you accomplish today? - Page 16

storyofmylife · 02-10-2011, 08:08 AM

Made breakfast

Put air in my truck tires

Replace my car battery

Picked up lots of poopsicle (lol)!

sylvie · 02-10-2011, 08:18 AM

so far....it's only early yet lol!

-meditated
-made breakfast
-started laundry
-made doctor's appointment
-started a blog
-made some phonecalls
-some housework
-brushed my cat
-got my stuff together for work tonight

bright_arrow · 02-10-2011, 01:33 PM

Went to work
Exercised (i.e. swept and mopped whole front end, dusted all PCs, cleaned all counters and shelving underneath)
Came home and ate lunch (tortilla with russian on it, with sunflower seeds, albacore tuna, baby lettuce, minced onions and Mrs. Dash Garlic&Herb)
Cleaned ice and snow off Bard's car
Salted the driveway

Federal taxes got deposited in my bank today, so I:
Filled up the truck completely
Paid off my credit card in full ($480

) WOOHOO!
Put some into my savings to make it an even number (seriously! I hate odd numbers!)
Doubled my monthly payment to another bill

I have about $70 left, and that may find itself in my savings too since the truck is filled and I just saved myself from paying $50/month since my credit card is now paid off.

I feel very accomplished! Hopefully my credit score thanks me for paying off my credit card. I am even debating calling and lowering it to half of that. Part of my mind keeps telling me to keep my limit where it's at because maybe I might need it as an "emergency fund" - which is quite possible! and because creditors in future may see asking for a lowered credit limit as a weakness, like I don't have enough control to not spend it all? Hmm. Food for thought!

JustJo · 02-10-2011, 01:38 PM

Quote:

Originally Posted by desdansmoncoeur

Hopefully my credit score thanks me for paying off my credit card. I am even debating calling and lowering it to half of that. Part of my mind keeps telling me to keep my limit where it's at because maybe I might need it as an "emergency fund" - which is quite possible! and because creditors in future may see asking for a lowered credit limit as a weakness, like I don't have enough control to not spend it all? Hmm. Food for thought!

Just an FYI...if you want to improve your credit score there's a few key things...

pay your bills on time...all of them and always
have 3 open lines of credit...that's mortgages, car loans or credit cards
do not exceed 1/3 of your available credit...so if the credit card company says your limit is $1000 never have more than a $300 balance on that card

Obviously, you can't do the third one with a car payment or a mortgage in the beginning of the loan....but asking the credit card company to cut your limit in half will make it look like you've used a larger percentage of your available credit...and lower your score.

bright_arrow · 02-10-2011, 01:58 PM

Quote:

Originally Posted by JustJo

Just an FYI...if you want to improve your credit score there's a few key things...

pay your bills on time...all of them and always
have 3 open lines of credit...that's mortgages, car loans or credit cards
do not exceed 1/3 of your available credit...so if the credit card company says your limit is $1000 never have more than a $300 balance on that card

Obviously, you can't do the third one with a car payment or a mortgage in the beginning of the loan....but asking the credit card company to cut your limit in half will make it look like you've used a larger percentage of your available credit...and lower your score.

I messed it up a long time ago - deliquent accounts, ouch. All my bills now are auto-deducted: auto insurance, credit card, Netflix, World of Warcraft - for that reason. Sometimes I'll pay it ahead just for peace of mind prior to the due date/auto deduction. USAA offers CreditCheck monitoring for $5.50/month and I have that too, and it's gone up a whopping 5 points since I started it (about 6 months ago). I saw on a site a few days ago about how having a balance higher than 30% of your overall limit is actually a bad thing - I wasn't aware of this - which led me to suck it up and pay off my balance of $480 out of $500 *nods*

JustJo · 02-10-2011, 02:16 PM

Quote:

Originally Posted by desdansmoncoeur

I messed it up a long time ago - deliquent accounts, ouch. All my bills now are auto-deducted: auto insurance, credit card, Netflix, World of Warcraft - for that reason. Sometimes I'll pay it ahead just for peace of mind prior to the due date/auto deduction. USAA offers CreditCheck monitoring for $5.50/month and I have that too, and it's gone up a whopping 5 points since I started it (about 6 months ago). I saw on a site a few days ago about how having a balance higher than 30% of your overall limit is actually a bad thing - I wasn't aware of this - which led me to suck it up and pay off my balance of $480 out of $500 *nods*

Sounds like you're on the right track...and the next step is patience. It takes 7 years for the accurate, but negative stuff to age off of your record...no matter what any "we fix your credit" scam company wants to tell you. You can fix inaccuracies, but not erase your mistakes (generally).

Having said that...if you have unpaid balances that have gone to collections that still show on your credit report...sometimes you can negotiate to pay a reduced amount if they'll remove the report...but be sure to get that in writing and not just take their word for it.

bright_arrow · 02-10-2011, 02:21 PM

I need to check it again once it's free - they still had my old bank account listed as needing to be paid, and it had been paid in full. First thing I did after I got all my debts taken care of was request a letter, dated and initialed, showing my account was paid in full and when. I had no reason behind it then except I thought it was a good idea - I may need it as proof sometime it seems.

Legendryder · 02-10-2011, 04:09 PM

Got my final grades back from accounting and algebra and I managed a B+ in accounting and a B in algebra!! There is a god. Whew. Not going to be as bad on my GPA as I had thought.

Luv · 02-10-2011, 06:28 PM

Quote:

Originally Posted by Legendryder

Got my final grades back from accounting and algebra and I managed a B+ in accounting and a B in algebra!! There is a god. Whew. Not going to be as bad on my GPA as I had thought.

Congrats !!

StillettoDoll · 02-10-2011, 07:52 PM

went to work ..
6.25 miles at the gym
Made dinner
That's all folks.....

Miss Scarlett · 02-10-2011, 10:21 PM

Cleared the mountain of files off of my desk at last and was actually able to go out for a brief walk at lunch!

DomnNC · 02-10-2011, 10:43 PM

Quote:

Originally Posted by Legendryder

Got my final grades back from accounting and algebra and I managed a B+ in accounting and a B in algebra!! There is a god. Whew. Not going to be as bad on my GPA as I had thought.

Awesome!! Congrats to you!

carrieinNC · 02-10-2011, 10:50 PM

Finally decided to join the Planet

oblivia · 02-11-2011, 12:18 AM

Let's see...

I got a bunch of stuff done at work, in the face of a super-crazy, sudden, unexpected workload spike!

Daddy and I made homemade sausages that are now drying in the fridge (yay!)

Went with Her and step-son to order wrist corsages and bouteniers (how do you spell that?) for "That Awesome 80's Prom" on Saturday (whee!)

Did my chores

Wrote my 750 words (www.750words.com)

Balanced the checkbook (read: reconciled our bank accounts on my ipod LOL)

bright_arrow · 02-11-2011, 10:42 AM

Got 8 hours of sleep prior to waking up this morning

Paid electric bill early because today is pay day for me
Sorted and folded a load of laundry and put my half away
Washed and dried another load in case Bard needs anything out of it
Packed my overnight bag for this weekend
Went through purse, sorted it, and tossed out receipts and such
Packed for trip water and some snacks, plus a bowl and spoons for oatmeal. Also packed some tea. (I never get up early enough to get the free breakfast LOL)

Now I am off to get ready for work and then we leave for NJ when my shift is over

lionpaw · 02-11-2011, 11:49 PM

Too much....

SelfMadeMan · 02-12-2011, 07:21 PM

2 loads of laundry

Got the tank & fenders off the Harley to be painted

Cooked supper

Made out with a hot redhead

Soft*Silver · 02-12-2011, 07:28 PM

vaccumed & shampooed all carpeting

swept & mopped all linoleums

all laundry done

all bathrooms done

all trash collected and out in bins and bins to curb

* none of this was I allowed to do but it had to be done and well, didnt see anyone at my door saying they were going to do it. Lots of family and friends telling me "not to"..none of them offering "to do"...

justpjhere · 02-12-2011, 07:31 PM

Quote:

Originally Posted by carrieinNC

Finally decided to join the Planet

welcome!!!!

justpjhere · 02-12-2011, 07:35 PM

ran 6 miles
made bfast
closed out 2 campaigns at work
put the finishing touches on 4 up comming fundraising events
started power points for interview in less than 2 weeks
came home and ate dinner

02-10-2011, 08:18 AM	#302
sylvie Senior Member How Do You Identify?: Mr Mtn's babygirl Preferred Pronoun?: girly, she Relationship Status: fiercely protected ♥ Join Date: Jan 2010 Location: Moving home in OR with Him VERY soooon !! Posts: 2,548 My Photo Gallery Thanks: 4,834 Thanked 7,501 Times in 1,850 Posts Rep Power: 21474853	so far....it's only early yet lol! -meditated -made breakfast -started laundry -made doctor's appointment -started a blog -made some phonecalls -some housework -brushed my cat -got my stuff together for work tonight __________________ my Mantra: i am letting go of angers, continuing to find forgiveness, welcoming inner peace & deserving of it all. my facebook weight loss page: http://www.facebook.com/asyllyjourney

02-10-2011, 07:52 PM	#310
StillettoDoll Senior Member How Do You Identify?: Femme Preferred Pronoun?: Lady Relationship Status: single Join Date: Nov 2009 Location: Texas Posts: 2,823 My Photo Gallery Thanks: 2,779 Thanked 3,878 Times in 1,484 Posts Rep Power: 21474853	went to work .. 6.25 miles at the gym Made dinner That's all folks..... __________________

02-12-2011, 07:28 PM	#318
SoftSilver Infamous Member How Do You Identify?: femme Preferred Pronoun?: she Relationship Status: Married Join Date: Nov 2009 Location: rose cottage Posts: 5,502 My Photo Gallery Thanks: 8,425 Thanked 15,615 Times in 3,974 Posts Rep Power*: 21474856	the hell with hernias vaccumed & shampooed all carpeting swept & mopped all linoleums all laundry done all bathrooms done all trash collected and out in bins and bins to curb * none of this was I allowed to do but it had to be done and well, didnt see anyone at my door saying they were going to do it. Lots of family and friends telling me "not to"..none of them offering "to do"... __________________ Pole bachit, a lis chuye. The field sees, the forest hears

02-12-2011, 07:35 PM	#320
justpjhere Member How Do You Identify?: I AM JUST PJ PERIOD Preferred Pronoun?: who cares Relationship Status: is my life that interesting or is yours that lame????? Join Date: Jan 2011 Location: in a house Posts: 496 My Photo Gallery Thanks: 2,879 Thanked 757 Times in 331 Posts Rep Power: 5017862	today ran 6 miles made bfast closed out 2 campaigns at work put the finishing touches on 4 up comming fundraising events started power points for interview in less than 2 weeks came home and ate dinner __________________ : PJ.....

02-10-2011, 08:08 AM	#301
storyofmylife Member How Do You Identify?: silly femme Preferred Pronoun?: she Relationship Status: Truly,Madly,Deeply Engaged ♥♡ Join Date: Jan 2010 Location: garden state Posts: 636 My Photo Gallery Thanks: 2,057 Thanked 808 Times in 350 Posts Rep Power: 2559042	Made breakfast Put air in my truck tires Replace my car battery Picked up lots of poopsicle (lol)!

02-10-2011, 01:33 PM	#303
bright_arrow ☆ the stars are aligned ☆ How Do You Identify?: strong, independent, badass redhead Preferred Pronoun?: babygirl, buttercup, sugah Relationship Status: married to my Boo Daddy <3 Join Date: Feb 2010 Location: east bay, cali Posts: 2,907 My Photo Gallery Thanks: 3,643 Thanked 9,359 Times in 2,295 Posts Rep Power: 21474853	Went to work Exercised (i.e. swept and mopped whole front end, dusted all PCs, cleaned all counters and shelving underneath) Came home and ate lunch (tortilla with russian on it, with sunflower seeds, albacore tuna, baby lettuce, minced onions and Mrs. Dash Garlic&Herb) Cleaned ice and snow off Bard's car Salted the driveway Federal taxes got deposited in my bank today, so I: Filled up the truck completely Paid off my credit card in full ($480 ) WOOHOO! Put some into my savings to make it an even number (seriously! I hate odd numbers!) Doubled my monthly payment to another bill I have about $70 left, and that may find itself in my savings too since the truck is filled and I just saved myself from paying $50/month since my credit card is now paid off. I feel very accomplished! Hopefully my credit score thanks me for paying off my credit card. I am even debating calling and lowering it to half of that. Part of my mind keeps telling me to keep my limit where it's at because maybe I might need it as an "emergency fund" - which is quite possible! and because creditors in future may see asking for a lowered credit limit as a weakness, like I don't have enough control to not spend it all? Hmm. Food for thought!

02-10-2011, 02:21 PM	#307
bright_arrow ☆ the stars are aligned ☆ How Do You Identify?: strong, independent, badass redhead Preferred Pronoun?: babygirl, buttercup, sugah Relationship Status: married to my Boo Daddy <3 Join Date: Feb 2010 Location: east bay, cali Posts: 2,907 My Photo Gallery Thanks: 3,643 Thanked 9,359 Times in 2,295 Posts Rep Power: 21474853	I need to check it again once it's free - they still had my old bank account listed as needing to be paid, and it had been paid in full. First thing I did after I got all my debts taken care of was request a letter, dated and initialed, showing my account was paid in full and when. I had no reason behind it then except I thought it was a good idea - I may need it as proof sometime it seems.

02-10-2011, 04:09 PM	#308
Legendryder Member How Do You Identify?: Butch Relationship Status: Single Join Date: Nov 2009 Location: Queen City, MO Posts: 420 My Photo Gallery Thanks: 14 Thanked 969 Times in 261 Posts Rep Power: 7270130	Got my final grades back from accounting and algebra and I managed a B+ in accounting and a B in algebra!! There is a god. Whew. Not going to be as bad on my GPA as I had thought.

02-10-2011, 10:21 PM	#311
Miss Scarlett Infamous Member How Do You Identify?: Femme Relationship Status: . Join Date: Feb 2010 Location: . Posts: 5,530 My Photo Gallery Thanks: 4,478 Thanked 12,949 Times in 3,419 Posts Rep Power: 21474856	Cleared the mountain of files off of my desk at last and was actually able to go out for a brief walk at lunch!

02-10-2011, 10:50 PM	#313
carrieinNC Junior Member How Do You Identify?: femme Preferred Pronoun?: She, Her Relationship Status: Single Join Date: Feb 2011 Location: Soon to be in NC Posts: 5 My Photo Gallery Thanks: 1 Thanked 9 Times in 4 Posts Rep Power: 0	Finally decided to join the Planet

02-11-2011, 12:18 AM	#314
oblivia Timed Out How Do You Identify?: Femme Preferred Pronoun?: she/her Relationship Status: Married, treasured, and adored Join Date: Jun 2010 Location: Vancouver, BC Posts: 472 My Photo Gallery Thanks: 2,582 Thanked 1,430 Times in 359 Posts Rep Power: 0	Let's see... I got a bunch of stuff done at work, in the face of a super-crazy, sudden, unexpected workload spike! Daddy and I made homemade sausages that are now drying in the fridge (yay!) Went with Her and step-son to order wrist corsages and bouteniers (how do you spell that?) for "That Awesome 80's Prom" on Saturday (whee!) Did my chores Wrote my 750 words (www.750words.com) Balanced the checkbook (read: reconciled our bank accounts on my ipod LOL)

02-11-2011, 10:42 AM	#315
bright_arrow ☆ the stars are aligned ☆ How Do You Identify?: strong, independent, badass redhead Preferred Pronoun?: babygirl, buttercup, sugah Relationship Status: married to my Boo Daddy <3 Join Date: Feb 2010 Location: east bay, cali Posts: 2,907 My Photo Gallery Thanks: 3,643 Thanked 9,359 Times in 2,295 Posts Rep Power: 21474853	Got 8 hours of sleep prior to waking up this morning Paid electric bill early because today is pay day for me Sorted and folded a load of laundry and put my half away Washed and dried another load in case Bard needs anything out of it Packed my overnight bag for this weekend Went through purse, sorted it, and tossed out receipts and such Packed for trip water and some snacks, plus a bowl and spoons for oatmeal. Also packed some tea. (I never get up early enough to get the free breakfast LOL) Now I am off to get ready for work and then we leave for NJ when my shift is over

02-11-2011, 11:49 PM	#316
lionpaw Member How Do You Identify?: very married lesbian couple-there are two of us that use this site Join Date: Sep 2010 Location: pa Posts: 734 My Photo Gallery Thanks: 3,585 Thanked 1,579 Times in 517 Posts Rep Power: 2193028	Too much....

02-12-2011, 07:21 PM	#317
SelfMadeMan Member How Do You Identify?: Transsexual Man Preferred Pronoun?: Male Relationship Status: Married to The Woman of My Dreams <3 Join Date: Nov 2009 Location: Minnesota Posts: 802 My Photo Gallery Thanks: 796 Thanked 2,669 Times in 527 Posts Rep Power: 18972344	2 loads of laundry Got the tank & fenders off the Harley to be painted Cooked supper Made out with a hot redhead