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No. of Recommendations: 3
The good----

CC Debt
Amex : $0.00
Chase Rewards: $0.00
Chase regular: $0.00
GE Bank store CC: $0.00

Roth contributions year to date: $1,400.00

I had the accountant check my last year return and found that I needed to ammend last years return and get back $700.00 back because I did not need to pay capital gains on my home.

FICO score: 807!

The bad-----

I just had a bad visit at the dentist office I need alot of work done which will put in at least $3,500 in debt.

I am using the $1000 I had in my emergency fund and requesting the $360 I have in my FSA account and as I have the bills request the money be repaid.

The ugly----

I had a discussion this afternoon with the cu I bank with and wanted a secure loan with 1 of my cd's I have.

The new loan is 2 year loan at 8.80% with payments at $100.00

The loan rate could go down as the rate is set by adding 3.0% to the cd rate I have. I have the $10,000 one earning 6.0%

I know this is expensive but I see this my best option as the rates on my cards are 13.9% variable on Chase and 7.9% fixed on the regular Chase and 9.9% on Amex.

I will start paying this debt down in two weeks when I'm paid at my main job. My goal for the 2nd quarter is have a dent on the amount owed.

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