That's one reason why we abandoned paying the $100 extra on our mortgage we were doing once I started paying it online a few years ago. There's no way to earmark the funds for principle.Mine actually doesn’t give any options on how you can apply your payment. It’s a loan directly from my school, not through the Dept of Ed or anything. So any extra payments just pay down whatever interest has accrued between your last payment and the new payment, and then the rest goes to principal. Fortunately I’m down to accruing only $15 a month in interest, so the bulk of it is going to principal anyways
Did you try peddle.com to see if you can get cash for your clunker? We got $1500 for DH's 2006 Honda CRV with 200,000 miles and a bad engine. Dealer offered us $50...
Nope, my friend used this donate place with good results so we already signed the title over and everything. We just want it gone. We bought a 2015 Camry this afternoon. To go with our older Camry and Rav, we'll keep Toyota in business!
They're building new houses in our neighborhood. And they so graciously left screws in the street which one decided to get stuck in my tire. Glad I'm working all this overtime so we can get a new tire next week. Ended last week with 14.5 hours of ot. With this week being a holiday, I'm sure I'll have plenty of hours to add to it.
I love my 2010 Camry!
That’s what we have too!
So so happy to have gotten it all on video. I'd rather not post bc it mentions teachers names specifically and shows others students.
, it's all good.
he had 2 spares and changed them both. By then it was 86 indoors! 
His bff is in the business and installed the unit and probably has a guy on call but we didn't want to bother them unless we really had to. So glad it was something dh could fix! I made him go to Lowe's and buy 2 more fuses to keep handy. I set it to hold temp at 68 and woke up freezing. 
Did you do the Columbia bank $500 one? I’m up to $1500 and have only done 6...Yes, I LOVE, LOVE, LOVE DoC!!!
I found them 2 yrs ago and have been churning bonuses ever since. I also open them for dh and ds21 when possible. At one point I was moving money among close to 30 checking accounts. It takes some time, a lot of patience, a lot of reminders and meticulous recordkeeping to keep track of it all. It truly pays off, esp when you consider the hourly rate of income! The time spent on this is a few minutes here and there so it doesn't feel like a burden.
For 2017, dh and I had over $4800 in bank bonuses, ds had $3200. Sure you have to claim it as income on tax returns but I look at it like this: If my employer said, "ruadisneyfan2, would you like a $4800 raise this year? If you take it you will have to declare this income." Would I decline it? Of course not.
Like Steve Miller says, Go on take the money and run.
This year I'm up to $2150 so far with $250 pending. This has been a big part of paying down debt since I made sure every single bonus $$ went to debt and made sure it didn't end up in the general fund.
Glad it was a simple fix!!We have been swimming. and swimming. and swimming.
I'm almost done my vacay fund for our fall trip out west, just 2 more weeks til it's done. Next goal is a Christmas fund of $5k. There is usually $ leftover but I like having it so I don't add to my holiday stress. The leftover is a bonus addition to the next goal in line which will a new/new for me car, hopefully by the end of the year.
Ds graduated HS and at graduation received a Character Education award with a check for $250. His Community Service teacher gave a speech about all the nice things he has done for the school: sanding/painting picnic tables, gardening, and overall go-to guy for anything electrical or mechanical. He also attended many times to a cemetery to clean up a sadly, "forgotten" cemetery for civil war heroes. He also attended a "soup kitchen" at a very poor city nearby to make sandwiches and give out meals to the poor.
omg, by the time she was done going on and on about all the good he has done, I was crying.
Anyway, he went through a really rough time in 9th-11th grade and really put dh and I through the wringer. It was like some alien abducted our sweet boy and left in his place a mean, selfish, lying, stealing, evil pr*ck in his place. He has come so far since then and this speech just reminded me how far he has come.
Sure he still leaves dirty plates in his room for days, dirty clothes on the floor but I take comfort in knowing he has a good, kind heart which is a far more important trait, imo. Being cleaner will improve when he gets his own place, or at least I tell myself it will. lol.
He had his wisdom teeth pulled around 10 days ago. Thank God that's over with. He did well but after choosing my vacation week (back in Dec) to coincide with his graduation and having time off to take him and help him as needed with recovery, later his bff offered to drive ds with him to the camp they like if he chose this week. It's a 4.5 hr drive each way so having his friend drive them there so that we don't have to sounded wonderful. It saves us from taking him ourselves, check in, kiss goodbye, and turn around and drive back 4.5 hrs!
I was so hoping he wouldn't have any complications that would ruin/cancel camp for him and glad it all worked out. He didn't want it done really but his impacted teeth were pushing on the rest and would eventually ruin all the alignment his braces created so no point in ruining that time, money & pain for braces. Also our insurance covers it 100%, just $25 copay for the consultation. If he waits til he has a problem and NEEDS them out asap, his own insurance some day would most likely not cover it as much. Of course he doesn't quite believe all of this but hopefully when he's older, some day he'll agree that it's better to be proactive than reactive.
They left for camp this morning and he's feeling great so as long as they get there safely
In our 100 degree heatwave, a fuse blew on our AC yesterday. By the time we realized the AC wasn't running, it was approx 80 degrees. Dh doesn't do HVAC but he has some knowledge about a lot of trades and has an ohm tester and could tell that the 2 fuses showed a different reading. Not knowing exactly what it should read, he couldn't tell which was the faulty one but by luck
I will never, ever complain again about all the crap dh stores in the garage.
We did it in 2017. Also, the Fulton Bank bonus is churnable but I just realized when I sent them a SM to close my acct last year, they never did and it’s still open. Grrr....
