So how expensive would it be to rent a car for a few months? The problem. Our plan was to lease a car for another three years. We did budget for the monthly payments of around $240 per month. What we did not budget for was the $3700 down that we paid last time. Opps!
Our options are lease something lease expensive or finance a used car.
Quotes to date for leases:
Minivan midlevel -$379 per month; plus inception fees (15K per year for 3 years)
Minivan base model -$259 per month (additonal $12 for 15K); plus $2400 down plus inception fees
Tuesday, April 15, 2008
Monday, April 14, 2008
Day before Tax Day
Funny how so many people wait until April 15 to get their money back. Everyone works with deadlines so this is not uncommon.
Credit Addict hosted this week's Carnival of Debt Reduction.
If time permits, please check out the great posts throughout the week.
Credit Addict hosted this week's Carnival of Debt Reduction.
If time permits, please check out the great posts throughout the week.
Friday, April 11, 2008
Credit Card statement for March
Boy for someone who does not normally eat pizza I sure have been ordering alot of it in March. Our fast food bill for March was pretty high just over $110.
Here are our percentages for the month based on only our credit card spending.
Gifts 30%; Gas 21%; Holiday (Easter) 11.7% Groceries 11%; Scrapbooking 10%; Fast Food 8.6%; Stores 4.5% and Haircut 2.7%.
Here are our percentages for the month based on only our credit card spending.
Gifts 30%; Gas 21%; Holiday (Easter) 11.7% Groceries 11%; Scrapbooking 10%; Fast Food 8.6%; Stores 4.5% and Haircut 2.7%.
Thursday, April 10, 2008
$6,000 per year to save
Can we save $6,000 per year extra to pay towards our mortgage? In April 2009, April 2010 and April 2011, I would like to have 6 grand set aside to pay down our mortgage. Can this be done or is it too hard of a concept to grasp? Certainly if I wait until April 09 I will not have the money saved. But if I break it down to a weekly amount of $115 per week I think it would be more doable. Yeah! Paying off the mortgage even faster would be exciting. $115 is really not a lot of money. If needed it could come from savings but better shopping practices, eating out less often etc. will help also. I easily paid off my car lease and car loan but the mortgage is a much longer and harder to stick with goal.
I currently have $250 per week being sent electronically to our mortgage company to pay down the principal. I could add the $115 per week to this or save it in a separate account. If I save it in a separate account I might decide to use the funds elsewhere. Not a good plan. The best way to handle it would be to use existing paychecks and pay it at the same time as the other principal payment.
Any ideas?
I currently have $250 per week being sent electronically to our mortgage company to pay down the principal. I could add the $115 per week to this or save it in a separate account. If I save it in a separate account I might decide to use the funds elsewhere. Not a good plan. The best way to handle it would be to use existing paychecks and pay it at the same time as the other principal payment.
Any ideas?
Movie Mania
Nim's Island is a worthwhile movie for families. Nim is growing up with her Dad on an island. Her Dad is unexpectedly delayed in his return. Nim turns to her favorite author to save the day.
Monday, April 7, 2008
Links from the Carnival
Wow. I have 10 links to the Carnival.
Thanks to everyone for the exposure into the PF world!
It was very fun doing the carnival.
Here is the carnival for this week hosted by RealWorldReally.com
This looks like a great post from
Finance Girl regarding snowflaking
Thanks to everyone for the exposure into the PF world!
It was very fun doing the carnival.
Here is the carnival for this week hosted by RealWorldReally.com
This looks like a great post from
Finance Girl regarding snowflaking
Sunday, March 30, 2008
Carnival of Debt Reduction #133
Welcome to the 133rd Carnival of Debt Reduction!
Beginning January 1st of this year, I started my blog regarding personal finance specifically about debt reduction and frugal living. I have had the pleasure of reading many of the PF blogs and have been enjoying it a lot.
This is the end of the first quarter of 2008 so I decided to share with you some of the headlines from these past three months along with the great debt reduction articles.
So onto our carnival.
Editor's Choice
NCN presents Moving Debt Is Not The Same As Paying It Off posted at No Credit Needed.
Editor's choice
paidtwice presents Small Changes Make a World of Difference posted at I've Paid For This Twice Already....
1st Quarter -January 2008
source wikipedia January 2008
(If you want to see the articles you might have to click the navigation Current Events or Portal Current Events on the Wikipedia page.)
January 3: Caucus vote in Iowa (BBC)
The Happy Rock presents Why APY Matters And The APR Lies posted at The Happy Rock.
January 6: Greece is hit by an earthquake 6.5 magnitude (RTE News)
Steve Faber presents - How to Get Out of Debt Fast posted at Debt Free.
January 13: "A team of researchers from the University of Minnesota announce the creation of a beating rat heart using cells from the heart of newborn rats and a heart structure from a dead rat." (The New York Times)
Praveen presents IVA - British Alternative to Bankruptcy posted at My Simple Trading System.
January 26: "The United States government warns that a spy satellite is losing power and propulsion and could hit the Earth in February or March." (BBC News)
Jim presents 7 Steps to Debt Consolidation Using Balance Transfers posted at Cash Back Ideas.
1st Quarter -February 2008
source wikipedia February 2008
(If you want to see the articles you might have to click the navigation Current Events or Portal Current Events on the Wikipedia page.)
February 21: "Singapore is elected by the International Olympic Committee as the first city to host the Youth Olympic Games in 2010." (IOC)
Debt Freedom Fighter presents Debt Advice: How to Defeat Your Debt Once and For All. posted at Discover Debt Freedom!.
February 24: "A Virgin Atlantic Boeing 747 becomes the first commercial aircraft to make a flight powered by biofuel flying between Heathrow and Amsterdam." (CNN)
FMF presents 790s Credit Score Barely Enough In Today’s Loan Market? posted at Free Money Finance.
1st Quarter -March 2008
source wikipedia March 2008
(If you want to see the articles you might have to click the navigation Current Events or Portal Current Events on the Wikipedia page.)
March 4: "A manmade flood is created in the Grand Canyon in Arizona in an attempt to replenish the ecosystem in the gorge." (CNN)
FIRE Finance presents Three Quick Steps To Get Out of Debt! posted at FIRE Finance.
March 12: "The total amount of digital information is estimated at 281 exabytes in 2007, exceeding available data storage for the first time." (Ars Technica) (IDC via EMC)
Helen Anderson presents 8 Easily Avoidable Causes of Business Debt at Personal Finance Blog, Budgeting, Debt @ Bankaholic posted at Bankaholic.
March 16: "Italian airline Alitalia is purchased by a consortium of Air France and KLM for €138 million." (BBC)
sara l presents $500 Phone call posted at paying off my future.
March 17: "World War II Royal Australian Navy warship HMAS Sydney is discovered off the coast of Western Australia after being missing for 65 years with the loss of all 600+ crew." (ABC News Australia)
Broke Grad Student presents How To Quickly Pay Off Student Loans posted at Broke Grad Student.
March 24: "The Olympic Flame of the 2008 Summer Olympics is lit in Olympia" (CNN)
glblguy presents Gazelle Intensity: How fast is it? posted at Gather Little by Little.
March 27: "The oldest known recording of a human voice, created with a phonautograph by Édouard-Léon Scott de Martinville on April 9, 1860 is replayed by American researchers." (The New York Times)
William Blake presents What Does Your Debt Ratio Mean? posted at Becoming Debt Free.
Have a great spring!!
Beginning January 1st of this year, I started my blog regarding personal finance specifically about debt reduction and frugal living. I have had the pleasure of reading many of the PF blogs and have been enjoying it a lot.
This is the end of the first quarter of 2008 so I decided to share with you some of the headlines from these past three months along with the great debt reduction articles.
So onto our carnival.
Editor's Choice
NCN presents Moving Debt Is Not The Same As Paying It Off posted at No Credit Needed.
Editor's choice
paidtwice presents Small Changes Make a World of Difference posted at I've Paid For This Twice Already....
1st Quarter -January 2008
source wikipedia January 2008
(If you want to see the articles you might have to click the navigation Current Events or Portal Current Events on the Wikipedia page.)
January 3: Caucus vote in Iowa (BBC)
The Happy Rock presents Why APY Matters And The APR Lies posted at The Happy Rock.
January 6: Greece is hit by an earthquake 6.5 magnitude (RTE News)
Steve Faber presents - How to Get Out of Debt Fast posted at Debt Free.
January 13: "A team of researchers from the University of Minnesota announce the creation of a beating rat heart using cells from the heart of newborn rats and a heart structure from a dead rat." (The New York Times)
Praveen presents IVA - British Alternative to Bankruptcy posted at My Simple Trading System.
January 26: "The United States government warns that a spy satellite is losing power and propulsion and could hit the Earth in February or March." (BBC News)
Jim presents 7 Steps to Debt Consolidation Using Balance Transfers posted at Cash Back Ideas.
1st Quarter -February 2008
source wikipedia February 2008
(If you want to see the articles you might have to click the navigation Current Events or Portal Current Events on the Wikipedia page.)
February 21: "Singapore is elected by the International Olympic Committee as the first city to host the Youth Olympic Games in 2010." (IOC)
Debt Freedom Fighter presents Debt Advice: How to Defeat Your Debt Once and For All. posted at Discover Debt Freedom!.
February 24: "A Virgin Atlantic Boeing 747 becomes the first commercial aircraft to make a flight powered by biofuel flying between Heathrow and Amsterdam." (CNN)
FMF presents 790s Credit Score Barely Enough In Today’s Loan Market? posted at Free Money Finance.
1st Quarter -March 2008
source wikipedia March 2008
(If you want to see the articles you might have to click the navigation Current Events or Portal Current Events on the Wikipedia page.)
March 4: "A manmade flood is created in the Grand Canyon in Arizona in an attempt to replenish the ecosystem in the gorge." (CNN)
FIRE Finance presents Three Quick Steps To Get Out of Debt! posted at FIRE Finance.
March 12: "The total amount of digital information is estimated at 281 exabytes in 2007, exceeding available data storage for the first time." (Ars Technica) (IDC via EMC)
Helen Anderson presents 8 Easily Avoidable Causes of Business Debt at Personal Finance Blog, Budgeting, Debt @ Bankaholic posted at Bankaholic.
March 16: "Italian airline Alitalia is purchased by a consortium of Air France and KLM for €138 million." (BBC)
sara l presents $500 Phone call posted at paying off my future.
March 17: "World War II Royal Australian Navy warship HMAS Sydney is discovered off the coast of Western Australia after being missing for 65 years with the loss of all 600+ crew." (ABC News Australia)
Broke Grad Student presents How To Quickly Pay Off Student Loans posted at Broke Grad Student.
March 24: "The Olympic Flame of the 2008 Summer Olympics is lit in Olympia" (CNN)
glblguy presents Gazelle Intensity: How fast is it? posted at Gather Little by Little.
March 27: "The oldest known recording of a human voice, created with a phonautograph by Édouard-Léon Scott de Martinville on April 9, 1860 is replayed by American researchers." (The New York Times)
William Blake presents What Does Your Debt Ratio Mean? posted at Becoming Debt Free.
Have a great spring!!
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