Tricia

Debt Consolidation

One of my new debt blog finds is debtconsolidationcare.com . This site is definitely interesting. It is a getting out of debt community. There a lot of useful tools at this site. There are some finance calculators including a debt to credit ratio one. (don’t ask about my obsession with calculators, i am a little quirky). Debtconsolidationcare.com even has a nice chat room. I think that could be...

Tricia

A good question

Everyday I learn something new and that is one of things I love about the internet. It really makes everything available to you. You are able to feel a sense of community which I absolutely love. I discovered a new blog that I really fell in love with right away, Dimple’s Divine Domain.  Today one of the posts asked a very good question, when dealing with debt do you put all your money towards...

Tricia

Pre approved credit cards

I remember, as recently as October, how excited I would get when I got a credit card offer in the mail. I would get excited because it meant I would be able to go shopping. Even last summer I was applying for every preapproved card offer that was sent my way.I noticed today when I was going through all the mail, that I have been putting the credit card offers in the shred pile. Without even a second...

Tricia

Day 2- defining goals from values, part 2

Ok, I am ready to do this now. It took some thought but I think I got it. This is from Day 2 of fixing my finances from The Simple Dollar.  My one year goals are: to have $1000 in emergency fund to have at least $800 in Xmas fund no longer have a car payment refinance mortgage start an IRA for myself start bringing in some type of income not have a single NSF(non sufficient funds) fee for...

Tricia

Day One – values

Ok, so here is day 1. Today’s assignment is to figure out what my values are. I am thinking, that is easy. I want to pay off my house, I do not want to rely on credit cards anymore, I want to be completely out of debt, I want to be able to go on vacations. I honestly could go on and on. Well good thing I didn’t go on because I was wrong. Those are not values those are goals! Values are...