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grumble grumble

March 14th, 2006 at 04:09 am

I just ordered my online real estate continuing education classes. I tried out a sample class first and liked the speed of it - but now that I have paid for 22.5 hours of classes and started them, it is S--L--O--W! I don't know how I am going to get through these hours at this pace! Probably with savingadvice.com on my other browser for convenient flipping! Anyway, I did it again - I waited until the month before my license is up for renewal to cram all my hours in. If I spend just an hour a night, I'll be done by the end of the month...license doesn't need to be renewed until 4/16, so I will get it done. It's still better than sitting in class all week!
I got a few free samples this past week - deodorant, shampoo and conditioners. Nice. I like to see little things trickling in. I also signed up for one of the free trials - greatfun.com. I am supposed to be getting a link for an Exxon card, I think - but nothing so far on my e-mail. I have gotten two e-mails from them to confirm my membership, but no gift card mentioned anywhere. Can anyone who's done this tell me how long it took for them to get the e-mail? It's been 2 or 3 days now...I always screw these offers up somehow!
I stayed up too late reading Dave Ramsey last night. Have to decide which of his principals I want to attempt. It just goes against my frugal sense to pay off my 0% cc before my car loan, but since it is such a small balance, Dave says to do it...and I do think it would make me feel better to have it gone!

Posted in Uncategorized | 5 Comments »

5 Responses to “grumble grumble”

  1. mjrube94 Says:
    March 14th, 2006 at 02:28 pm 1142346537
    1142346537

    The email for the gift card comes a few days later. I signed up for all of these offers and the gift cards come pretty quickly.

  2. Emma Says:
    March 14th, 2006 at 03:12 pm 1142349121
    1142349121

    I can tell you in all honesty, you will love having that credit card paid off and out of the way. Then, you'll be able to focus on that car loan solely. Frugality has nothing to do with repaying debt. Heck, if you had been frugal you wouldn't have the credit card and car payments. Smile

  3. jodi_m Says:
    March 14th, 2006 at 08:04 pm 1142366640
    1142366640

    I can agree with you on the car payments, Emma. Certainly not my idea of a frugal purchase. Dh said he wanted to own a NEW car for once in his life (and believe me, this will be the one time!). But as for the cc purchases - so far I have not paid a cent of interest on it (about $2k) and it has allowed my $2k to sit in the bank and collect interest. But that's not to say I won't feel better about it when it's gone! I definitely will pay it off before the 0% ends, but that's is why I am struggling with whether to pay it off now or tackle the car first...

  4. Emma Says:
    March 14th, 2006 at 09:03 pm 1142370227
    1142370227

    Just do it Jodi! My husband and I have been doing the debt snowball since August of last year and have paid off over $15k in debt. We were not frugal early in our marriage, but have seen the benefits and security in being a smarter consumer and living below our means. Good luck!

  5. Steve Farrar Says:
    March 18th, 2006 at 08:30 pm 1142713834
    1142713834

    Jodi, my wife & I have paid down over 100k! in about 2.5 years, Hopefully you don't have that much debt, however the decision to follow those baby steps, will make us very wealthy people.

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