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Sticking to frugality

October 7th, 2013 at 11:07 am

Last week I had a little hickup in that I was too lazy to make myself coffee at home for a few days sadly that cost me $20 in starbucks coffee. Frown

I did however do good at eating at home and only spent just $10.00 out. Just now I put in for a balance transfer from a 19.8% interest rate to a 0.00% offer on another card plus a $57 fee. I did some calculations and the likely hood that I will not pay off this card while still working this contract job is high. I will probably get one, or if I'm lucky, two more paychecks out of it. So I realized it only makes sense to switch it over because when I have to go back to making minimum payments they will now be applied solely to the principal which will help me pay it off quicker even if I am not gainfully employed.

Now let's just hope the bank approves the transfer. I still have to bring the car in and will make that appointment shortly. I might as well find out what's wrong before something bad happens to the car or if it wipes out what's left of my emergency fund and I have to find a way to refund it quickly before my job ends.

Time for one last doctor's appointment and then hopefully after this week things will go back to normalish.

5 Responses to “Sticking to frugality”

  1. Bob B. Says:

    Great news, hopefully you get approved. Do you have a certain period before the int increases on the 0% card?

  2. SecretarySaving Says:

    You sound like you are doing a great job. Are you still looking for a direct hire assignment while you do these temp jobs? I have landed almost every job I have ever gotten from a temp agency.

  3. SicilyYoder Says:

    I love Starbucks but it is very expensive. I buy the flavored creamers when on sale with coupons and make my own. Its the only way I like it when drinking it hot. I have migraines so drink it black a lot, but I hate it.

  4. Permanent Temp Says:

    @Bob B, yes it will increase on Jan 2015 to my regular APR on that card which is 10.24%

    @SecretarySaving I'm updating my resume and putting it out there and seeing what I catch. This last company called me up and I'm getting temp emails all the time but not for the job I am doing now so I figure I need a resume reboot.

    @SicilyYoder I only like to drink coffee cold/iced. There's only one blend the Sumatra one that I like either way. Oh and espresso I like espresso hot or cold. So I cold brew it in the fridge. I really like the cold brew. I just picked up the coffee for 4.99 a pack the other day on sale with coupons. No syrups or creamer though I like mine just with soy milk (lactose intolerant.)

  5. SicilyYoder Says:

    Permanent Temp,

    My son's GF is lactose intolerant as is my godsister.

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