<< Back to all Blogs
Login or Create your own free blog
Layout:
Home > Archive: July, 2012
 

Archive for July, 2012

Kohl's Free $10

August 1st, 2012 at 03:09 am

I had a free $10 card and it expired today.
They are having a great sale 60-80% off!

I didn't have much time so I grabbed 3 pr of undies that were on clearance. TMI but the undies I got are "barely there" brand I'm excited. I was taxed on the amount after the $10 card. Cool! I paid $.76 and saved $28.30.



401K

August 1st, 2012 at 02:51 am

I just recently started contributing to my 401K. My company matches 6% so that is what I put in. I am enjoying watching my account grow. I met with a financial advisor earlier in the year and I am greatful that I did. Still need to set up a Roth IRA!

Balance April 2012 $3,493.52
Balance June 2012 $4,963.22

Net change in Market Value $1,469.70

Refinance - This Is Why I Need to!

July 30th, 2012 at 03:09 am

First Loan
Current Principal $88,925
Rate 6.35%

Second Loan
Current Principal $23,144
Rate 8.75%

My rates are so high. Gulp!

Refinance - Heard From My Broker

July 24th, 2012 at 06:20 pm

My broker got back with me and said that he will know something this evening or tomorrow morning at the latest on the loan. He's got to shop it to see which lender will work the best. He said with my credit score that my rate should be between 3%-4%. Right now my rates are crazy! I am at 6.35% and 8.75% with my current 80/20 loan. My appriasal he said should be between $400-$425 which is great. I paid $500 for an apprisal back in 2010. He said that would be my only expense out of pocket. Everything else would be rolled into the loan. He said we can shop my homeowners insurance to bring that down. I am also wanting to lower the term on the mortgage. Stay tuned!

Refinance - Starting The Process

July 19th, 2012 at 06:16 pm

My house is my last and only debt that I owe. Church Hill Mortgage is unable to work with me because I have paid off and closed accounts and now my credit score is down to 610 and they require a 640. I was referred to someone that I am now working with as of yesterday. I sent him all of my info. Fingers crossed!