Sabrina’s Money Madness

I absolutely hate to see large payments come out of my checking account. Right now I rent, but pretty soon I’ll have a mortgage and that’s the largest check I want to write every month. My car is almost paid off (within 7 months) but that’s a pretty low amount. The only other large expenses […]

My coworkers and I were discussing this the other day. One said that he cuts it into little pieces and throws it in the garbage with old food. That way no one will search through day old (or week old) food looking for anything. The other coworker cuts his into 3 or 4 pieces and […]

I was looking at my bank account to see if a check had cleared and it made me think to look at all of my bank accounts. When I got to my credit union account I realized that I owed $1.85 in interest. I had paid my credit card bill in full last month but […]

It will take a nice chunk out of my savings. Now I know that it makes no sense to pay 9.9% interest when I’m not even making 1% on my savings but psychologically it hurts to see that much cash come out of my savings at one time. On the plus side I can now […]

In 2007 I wrote a post about cleaning up my credit. Well I just looked at one of my credit reports and it seems like my credit is in even worse shape now than it was then. One of the reasons is that I incurred a lot of new debt when I went back to […]

I will pay my bills regularly but I’m not gonna go on that credit plan that my credit card offered me. The main reason is that I heard they’re going to “balance chase” everyone. Basically, once you pay down your balance, the company will lower your limit to just over that amount. In effect, you […]

Now I see why your credit score really does matter. I was able to finally view one of my credit scores and it is super low. Much lower than when I bought my car when it was 654 then went to 690 a few months later.
I have a few things bringing me down that I […]

My credit card company sent me an email offering me a deal. If I pay $150 a month between now and January I can get a $100 statement credit within 2-3 billing cycles. In the fine print I noticed that it said I can also pay $900 as a lump sum instead of making a […]

The NFL had a “NFL Extra Points” program in conjunction with Bank Of America. They have decided to sever that relationship and instead offer the program through a new partnership with Barclays starting in September. Anyone who has points in the existing program has until the end of August to use their points.
3 suggestions that […]

I didn’t even think of this until I wrote my last post about my credit score dropping. Insurance companies pull your credit when there’s a potential change or addition to your policy. By losing points from my score that can cause my insurance to increase. Now my insurance is still cheaper than it was when […]

I have a Best Buy Reward Zone MasterCard. Every purchase I make gives me points towards Best Buy Gift Certificates. It’s a toy limit card though which stinks. A toy limit is excessively low and HSBC who issues the card is really slow to credit payments. Actually they credit the payment fairly quickly but then […]

I talked about that in a previous post but I didn’t stress why it’s crucial to stop applying for excess credit. My credit score is low which is why I got denied for the cards I applied for. One reason is excessive inquiries. Every time you apply for credit you get hit with an inquiry […]