Saturday, June 25, 2011

Saturday, Snowflaking myself!

     Behind because of camp, just too tired to sew when I get home.  So I am going to make it up today.  But I woke up very stiff.  Had a hard time brushing my hair and my teeth.  I remember a several doctors asking me, "How long does it take you to get ready in the mornings?"  I thought this was a dumb question.  I got up threw on my running clothes and hit the track for a 3-5 mile run.  What were they talking about?  Now 8 years into this nightmare, I am starting to see the light.  I get up and wonder what part of my body will betray me today!  So this morning it was my right hand and my knees.  Lovely!

Out My Window:   Beautiful warm, sunny weather.  I actually sat out in the sun on the deck for about a half an hour this morning.  So nice.  I need to get some weeding done.

     I just realized last night that I have been snowflaking to myself.   I was able to put  about $283.00 in to my savings after the graduations.  (money I did not spend)  Then after I paid the bills I was able to put $400.00 out of our cleaning check into savings.  I went to my shop books and I thought that there was about $250.00 there and there was over $400.00.  So I put another $400.00 in savings.  This means the emergency fund sits at over $2000.00.  I would like to put this money on a debt, but with the summer at the studio being so  iffy I would rather just pay some over the minimum and hold off.  But at the end of the summer if anything is left over it goes to my US Bank card!

     We have a sears card that I use if we need to buy a major appliance.  I have never paid it interest, as I always put every thing on 6 months same as cash.  These people have not made any interest money on me in years.  Well yesterday I get a CC from them in the mail.  It is a citi bank MasterCard.  Isn't that nice!  I cut it up and Monday we will no longer have a Sears account, unless it is them only.  I will not have a blanket card for any store.  I have one CC and that is it!  Dirty Rotten Scoundrels!
     I also received a new CC from the bank that financed the car.  Because I have such excellent credit.  Forget it!
     Then I get my US BANK visa statement and they have raised my credit limit to $22,000.  Isn't that nice of them.  At 14.99%  let's all go charge a big old party!  Oh what US Bank does not know.  I will be out of there by Christmas if not earlier and their card will be history. I mean really $22,000 with the credit card mess I have made of my life in the past, these people think this is wise? Villains.

Have a great and productive day!



  1. Villains, is right! That's part of the reason I got into my mess (besides divorce and looming unemployment), along with my poor judgement. I'm so proud of you! I am not sure at this stage in my financial development that card would have been cut up. Good girl!

  2. The CC companies do make it easy for us to stumble back into debt! Congratulations on adding to your emergency account. That is wonderful!

  3. Great work!!! I can hear the Dave Ramsey scissors now. I would call and have them reduce the CC limit. I don't like that they raise it automatically. And I think you are smart keeping the money in your emergency fund. It good to have one!