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Just touching bases

August 11th, 2014 at 10:50 pm

OMG! I've been super busy with the new job, that I haven't kept up with my blog.

For the most part, I've been following through with adding funds to the EF, and IRA accounts. As well as paying extra on the CC.

I removed the Target Visa from my wallet. I notice that even though I charge items, then pay the charge right after it's just no worth it. Sometimes I just can't make the payment right then. Sometimes the store is too busy and I don't have time to go to the service desk to make a payment. Not to mention, Target only allows two payments a week. Not worth the 5% saving if I can't make the payment right away.

Dad gave me $20 last week so I added that to my challenge.

Lastly, three things I'm thankful for:
• Finding a church
• Getting a massage ( I have terrible low back pain)
• getting my finances order

3 Responses to “Just touching bases”

  1. snafu Says:

    Have you checked your FICO score? It's in your interest to develop your credit rating for future big item purchases. With a few clicks on your computer you can pay any charges on your Target VISA card. Your CU or bank's on-line information page explains the process which is super secure. When you charge and pay before generating a charge for regular billing there is no credit history for the rating agencies to follow.

    Have a look at any VISA statement at hand. You'll see a billing date which is for charges up to that date...sometimes referred to cut-off date. The 2nd important point is the Due Date. Payment must be credited/posted to the account by then. Many of us make certain to pay two business days in advance of Due Date to ensure our very high credit score. The benefit of a high credit rating is preferred/lower interest rate offered for the big items like car loans or mortgage rate.

  2. rob62521 Says:

    Snafu is right...plus, you get to use the company's money interest free if you pay the credit card off before the due date. That is what we do.

  3. Amber Says:

    Great! Thanks for the tip, I'll check it out

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