Lordy... As usual it's been a hectic week. I took my sister out and we had a great time. But that evening was extremely emotional! I ended up driving her to Oxnard to spend the night at my brothers place so she could get away from it all. It was a late night with lots of tears. The next morning my brother and Mike (his roommate) took us out to breakfast and then down to the beach.
Yeah it's nice having a camera phone. :) What can I say? hehe So after driving around seeing the sights (Heidi had never been there) we went back to their place Heidi took a nap. Later that day Brian, Heidi and I went to the movies (the Brothers Grimm... A total dissapointment!) and then it was time to head back home.
I got my check from linkLINE for my vacation time. I divided it out to pay off debt and went online to check my credit score before I paid all my bills. By January I will get a new credit score and see what the next few months of payments will do to my credit. I've been consistent for a while now. And when my family had to move by January I tried for a loan and my credit score was not so good... The guy told me that my problem was late payments and if I was consistent for a year it should go up at least 100 points. When I told people this, they laughed in my face and said maybe a few points but not 100... So when I got my updated credit score imagine my surprise when it was up by 100 points and it hasn't even been a year! :-D So I am wondering how much it'll go up since I'm paying off the balances (crossing fingers and praying) by early 2006...
I will start to build my credit again by getting a credit card and using the wisdom I've gained from past mistakes and use it for what I can afford. I don't like the idea of using credit cards anymore. I like only spending what I have in the bank with my bank card. But to build my credit I will have to just get a card that I can use to put everything on and pay it off every month... Like I was told to do when I first got my cards. :) I guess I had to learn from my own mistakes and not from others. hehe
My new goal is to put 5% of my checks into a savings account from this payday on. And after January or so (whenever I pay off the balances of my cards) I hope to start putting a hefty chunk of my checks into the savings account. And hopefully by the time I want to buy a car (July 2006) I will have a good downpayment. These are all dreams and hopes. I am not sure if it will all work out. Things always come up, but I had the goal of paying off my debt by July 2006 and I am definitely doing it! But I am not going to set myself up for failure either. I will do my best and set my mind to it and I think I can.
Well it's lunch time. So I guess this is it for now.
posted by Charity at 9/02/2005 12:03:00 PM 
