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Sticking to frugality

October 7th, 2013 at 06:07 pm

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.

Posted in Budgeting, Debt, Car | 5 Comments »

5 Responses to “Sticking to frugality”

  1. Bob B. Says:
    October 7th, 2013 at 06:35 pm 1381170936
    1381170936

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

  2. SecretarySaving Says:
    October 7th, 2013 at 07:29 pm 1381174149
    1381174149

    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:
    October 8th, 2013 at 01:53 am 1381197214
    1381197214

    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:
    October 8th, 2013 at 06:09 am 1381212558
    1381212558

    @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:
    October 8th, 2013 at 10:14 am 1381227260
    1381227260

    Permanent Temp,

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

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