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Thread: Random Finance Thoughts
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03-05-2013, 04:57 PM #1
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Random Finance Thoughts
So, i am going to open my 403 (b) plan very soon
my contributions will be around 60 per pay period
since i am omw of being 24, i really want to have 1 mil by the time i retire
if i do keep this up (we're talking 30-40 years)! yayayyay
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03-06-2013, 06:16 PM #2Validated and Nappified
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I wish I had not messed up my credit so badly in the past 5-6 years. I am having such a difficult time buying a car. I need to fix my credit, starting now. But how?!?!
fotki: naturallykristin
Napptural since November 2007
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03-07-2013, 02:38 PM #3
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^^ i believe that paying off my credit card in chunks, rather than just above the minimum really worked to increase my score.
i am giving 50 pre tax each pay paycheck for 403b plan
discover raised my credit limit just when i was paying off in chunks. i see that they did there :-P
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03-08-2013, 02:40 PM #4Validated and Nappified
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Problem is, I don't have a credit card. LOL! My score is bad because of medical bills and late payments on my old car loan. One of the reasons I keep getting turned down for a new car loan, besides my credit score, is a lack of revolving credit. My bank told me to get a secured credit card to help boost my score and get revolving credit on my report.
fotki: naturallykristin
Napptural since November 2007
3 big chops - most recent: April 2012
Locs started: March 2, 2013 (started and maintained by interlocking)
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Post Thanks / Like - 0 Thanks, 1 LikesVavoon liked this post
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03-08-2013, 03:15 PM #5
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oh, i never knew revolving credit had that kinda effect on credit score, but that sounds pretty right now that i think of it. you should def go that route if it is open to you. i would take out a card and buy something for less than 50 and pay it off by the end of the month
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03-08-2013, 03:57 PM #6Validated and Nappified
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Yeah, I tried to avoid getting credit cards, because I didn't want to get trapped with debt. I didn't realize not having one would be such an issue... especially since I bought my 1st car without having one on my credit report. Oh well!! I have to deposit $300 on the card to get started, so hopefully I can do that in the next 2 weeks.
fotki: naturallykristin
Napptural since November 2007
3 big chops - most recent: April 2012
Locs started: March 2, 2013 (started and maintained by interlocking)
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Post Thanks / Like - 0 Thanks, 1 LikesKurliez liked this post
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03-08-2013, 04:19 PM #7
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yeah,i feel you on that girl. best of luck with everything
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Post Thanks / Like - 1 Thanks, 1 Likesnaturallykristin thanked for this postnaturallykristin liked this post
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03-10-2013, 04:36 PM #8OG PANK Panther
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So Fifth Third Bank wants to charge all these fees for checking--most of the new accounts have minimum requirements and if you can't meet them, you'll be charged $11 a month. The account that I want has no balance/monthly fees but still requires direct deposit of $500 a month...so if I can't do that, I wonder if there'll still be a monthly fee? Why am I even holding onto this account when it's not my primary one?
I really need to close this account and move everything to my other account. I could do a credit card balance transfer from 5/3 to previous account, but how much will the fee be? And I just did a balance transfer from previous bank to 5/3. Arrrrrggghhhh!Loc Updates! http://public.fotki.com/cher79/locs-part-2/
Last chemical fire cream November 2002. I transitioned and clipped the remaining p.ermed ends in April 2004.
Locs taken down and restarted. Twists put in 4/5/09.
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03-11-2013, 04:27 PM #9
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these apts go by very quickly. luckily i decided to go with the roommate idea.
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03-11-2013, 11:35 PM #10
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Getting a secured credit card will help building a positive credit history. I would also check out www.creditboards.com reading the posts there helped me understand and take the steps towards getting my credit in order some years back.
my random thought: sooooo...am I the only person that didnt know AAA members got a discount at UPS? (5% generally, and 15% for "select services"!)
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