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Archive for December, 2006

A few minor things

December 13th, 2006 at 06:01 am

Not much new to add, but a few notes...

I got my Colgate rebate for $2.79! Now I can put that nonsense out of my head once and for all.

I referred a friend to ING, and earned $10 for me, and $25 for her! That was exciting.

I discovered that I could get a multi-ride car for public buses at a discount per-ride of 25 cents. They were introduced in the beginning of November.

A very, very old loan got paid back.

I contacted payroll and the summer sublet folks about my paycheck and deposit.

Never trust Verizon again, as they can't do basic MATH.

Finally, my BF and I looked at a house last weekend. (We're not buying one together or anything, just looking.) I'll probably write more on this later.

Got my free annual credit report

December 6th, 2006 at 09:31 pm

It wasn't as difficult as I thought.

I have five open accounts, all in good standing--my credit card, two student loans, and, apparently, two of my father's credit cards.

Seriously, I didn't know this until just now.

I also have four old student loan accounts that were paid off and closed when I consolidated. Except they each show up twice on Experian--once as "paid/closed", and once as "transferred/closed". Dunno what that's all about.

I also found the following interesting:

American Express requested info from TransUnion 7 times in the past year.

Capital One requested info from Equifax 11 times during the past year. As if that wasn't enough, they also requested info 25 times from Experian since March 2005.

Eek?!

I should ask my parents if there are floods of credit card offers from those two companies. It'd be amusing if there were.

Grand Review O' Finances

December 5th, 2006 at 09:45 pm

I spent all of this evening attempting to track, once and for all, every single penny that came into and out of my stewardship since June 12, the day I moved to this fine town and started my job.

Through this process, I discovered a few things.

One. I may not throw out any of my receipts, but I sure as hell can't FIND all of them. FRUSTRATION.

Two. I was missing over a grand in net pay, until I finally figured out that I never cashed a paycheck of mine, issued back on August 3. I cannot for the life of me locate said paycheck. DEFINITELY CONTACTING PAYROLL ON THE MORROW.

Three. I also never cashed a $400 deposit check that was returned to me when I vacated my summer sublet housing. Oops.

Four. The fact that my credit card posts transactions two days after the fact is very, very annoying, especially when it doesn't match the receipts I have.

Here are some random stats:

- Net income: $10,283.80 (this includes the missing paycheck)
- Total spending: $4727.22 (this includes the $400 deposit)
- Roth IRA contribution: $2203.33
- 403(b) contribution: $998.41
- Targeted savings: $2440

My pattern of spending:

- Public transportation: $93.5 (mostly to visit the BF)
- Groceries: $409
- Student loans: $401.16 (repayment started in September)
- Housing: $3275 (includes $400 deposit that I should have gotten back, plus $1000 deposit that I get back later)

Damn is housing pricey!

I really, really hope I can call up the subletters and have them rewrite my deposit check. Sigh. I need to get better about depositing checks. Gah.

I also need to get my free annual credit report thingy. Running out of time for that one!

Sayonara, Bank of America

December 2nd, 2006 at 12:35 am

I finally took the time to walk into a Bank of America and close my soul-sucking savings account--you know, the one with the 0.0000001% interest rate. Stick Out Tongue

Then, I downgraded my checking account from Regular to MyAccess.

Then, I transferred my entire savings account, plus a good bit of checking, into ING.

Come next February, I transfer my last remaining fixed-term Roth IRA over to Vanguard.

And then I shall be FREE! Mwahahahaha!

(Whoa, when did I reach 10,000+ hits?!)

Expense Log for December

December 2nd, 2006 at 12:06 am

12/1
- $500, rent
- $24, cc payment
- $13, round-trip Amtrak tickets
- $1.25, shuttle bus

12/4
- $1.25, shuttle bus

12/8
- $13, round-trip Amtrak tickets
- $1.25, shuttle bus

Utilities
- cable modem: ($45.95 + $0.18)/2 = $23.065
- electric: $49.51/2 = $24.755
- gas: still screwed up; $8-ish?