Tuesday, September 2, 2008

September Goals

I did very well on my August goals and completed most of them. I need a lot of work to do. The whole experience of trying to buy a house right now has left my mind. I received some great advice, and I plan to implement them slowly but surely. Here it goes, another month and more money to spend.
  1. Use extra money to pay off 3-4 things off of my credit report. My husband is giving me one of his whole paychecks from his other job so I can pay down some debt. I have a few that need to go away, and fast. I'm tired of looking at it.
  2. Give my daughter a weekly allowance for doing her chores. Only if she does it. She is so stubborn but I am trying to teach her that if she wants something she will have to start working for it, just a little bit.
  3. Pull my credit report at the end of the month. Since I had to say good-bye to my dream home for now, I am curious to see what my credit report is saying. I am really ashamed that it is in the 500's.
  4. Dispute with a few creditors. I love to tell these collection agencies that they're in the wrong. I remember that I did this one time and had 3 things removed from my credit report.
  5. Go over a new budget with my husband. This is going to be a new thing for us. For years we had separate accounts because we don't trust each other with each others money. I think that's why we got into so much money trouble. We are making an effort. We combined our accounts and now are working towards a common goal.
  6. Save for emergency fund. I added some more stuff on my side bar to show how much I am putting away and to what. I think it's a bunch of junk on the side but it's keeping me accountable.

Those are a few things that need to be done. It seems like it all revolves around credit, but I can't help it. I NEED a better credit rating.

2 comments:

Sam said...

Your kids looks Asian (Filipino?). Agree, having a joint account is better than having seperate ones at it open line of communication with your partner regarding money matters.

Sam
Fix My Personal Finance
http://fixmypersonalfinance.com/

DLD said...

Caren,

Do you ever get any revenue from your Amazon ads on your blog? I am thinking of adding this but wondering if it is really worth while.

Thanks,
DLD
www.debtlessduty.blogspot.com