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Archive for April, 2012

Update

April 28th, 2012 at 01:06 am

I'm finally working in the town I live in. It saves me more than $50 per week in gas and parking, not to mention lunches because I am 8 minutes away from my office. Unfortunately I no longer get mileage from my head office to my local office but that strikes me as fair. This means I won't be able to pay off my Visa until the end of June at the earliest. But wait - another door opened. My son accepted a job offer and had to buy a car. He opted for insurance with the same company I use. So when I called to remove him and save a couple bucks they advised me that we are also eligible for a family discount. So I save $60 per month and his insurance has decreased from $155 per month to $117. As a recent grad with two years of intership (one was three years with a summer job each summer in the industry and one year as a co-op year) he had two offers before he wrote his final exams in his last year. I may make that June deadline yet!

Pine Cone Surveys?

April 21st, 2012 at 09:56 pm

Can you share your experiences regarding this survey group? Is it worth it? When is the payout? How soon do they pay after you request your payment? Any other thoughts?

Visa under $2,000

April 21st, 2012 at 01:09 am

OK, paid off another bit. Down under $2,000. I hope to get it paid off in May. I need to manifest $472.56 so this is gone by end of May. I did an interesting food tasting yesterday for $20. It was really interesting and enjoyable. I'll do it again any time! Otherwise this won't be gone until mid June. Send it up there folks!

Take that, Visa

April 14th, 2012 at 04:36 pm

Balance now at $2,167. Down from over $5,000 at Christmas. My plan is to have the Visa gone by the end of June 2012. Then I'll take a break and focus on the EF for a bit. Starting in August I'll tackle the line of credit. If all goes according to plan I will have the line of credit paid off in late Spring 2013. Wohoo!

I'll also be calling the bank about the random 1% increase in my interest rate that TD/Canada Trust threw at almost every customer a few months ago. Nice customer service. No reason at all for the increase. I'm getting my new credit cards and lines of credit from another bank due to this type of behavior. Will do some shopping around.

Credit card application and the affect on credit scores

April 10th, 2012 at 01:44 am

I'm loving the posts of rewards people are getting when signing up for credit cards. But I'm a little confused. My understanding is that every credit card application reduces your credit score and therefore increases your interest you will pay on future cards. Can you share your experiences? I'd like to get in on this gig. Do you notify Equifax when the card is closed and paid in full?