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Author: BookishFool Two stars, 250 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 308881  
Subject: BookishFool's February Update Date: 3/1/2007 6:52 PM
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Wow... that month went quick! Drat... I'd hoped to get my February update up while it was still, you know, February! But I'm finally caught up on the boards too... there has certainly been a lot of activity round these parts!

So... exciting stuff this month... let's see. My efund is up to $1000! Now I can put more towards the cards, and slow this to $50 a month. I have a ~$1900 tax refund showing up any day now... TurboTax thought it would be there last Friday, but the IRS website says it'll be there by March 6th. When that shows up, I'm opening a Roth IRA at Fidelity. I'll have retirement savings!!! yay!!!

BT'd my BoA balance (the 1.9% promo rate was about to expire) to Chase, for 4.99% for the life of the loan. $99 transfer fee, but I'm okay with that since I don't have to worry about that rate rising. Nice thing was, my Chase credit limit had been $2000, but just by asking, I was able to get it raised to $10,000! Does nice things for my utilization ratio, too. (some may say I'm rearranging deck chairs.... but hey - now I have that chair right where I want it. *grin*)

My plan is, when the BoA statement cycles, I'll see if they'll offer me something good for my AmEx balance. I'm hoping they do, as that way, I'll have the BTs sitting on cards that don't give me rewards to use, and I can run most of my expenses through my AmEx Blue Cash, and get the cash rebate back. (paying off monthly, of course.) And I'll have my LLBean visa (my second BoA card) for those places that won't take AmEx.

So, below are my numbers... the $21 credit at BoA will more than take care of any final finance charges when my statement cycles.

09/06 01/07 02/07
BoA UConn 5,600.00 9830.00 (21.00)
American Express 7,700.00 6750.00 6,650.00
Chase Amazon 0 0 9850.00
BoA L.L. Bean 4700.00 (*) 0 0
Sam's Club 100.00 0 0

Total credit cards 18,100 16,580 16,479

(*) BT'd to BoA UConn

Car loan 23,603.51 22,422.71 22,151.41

Student Loan 8,827.85 8,623.69 8,572.29

Total debt 50,531.36 47,626.40 47,202.70

Total amount paid 3,328.66
Total percent paid 6.59%

Savings (Emigrant)

Efund 0 832.27 1000.00
Car Insurance/Car Taxes 0 375.12 601.05

I feel like I'm getting somewhere... it's a really good feeling.

~Mary Anna
Yay! Retirement savings!!! (Can you tell I'm a little excited about that?)
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