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Misc Financial Transactions

July 22nd, 2015 at 05:58 am

I prepaid $60 onto my credit card for the interest charge and yesterday it got charged $53.50, so have counted the extra $6.50 as a snowflake in the Banking the difference challenge. Was so over the monthly interest charges that I started to apply for another card on a 0% balance transfer. Then chickened out when I had to put the employer details up - can't handle my boss getting the phone call! I guess this means I'm slightly embarrassed about my credit card debt because I so didn't want to have that conversation...

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We had $29 left over from our weekly pay, so I sent $24 over to repay the EF from what we borrowed. Now the amount owing is $275.93.

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B got paid his small pay for the week where he only worked 2.5 days. I bought more groceries last week in anticipation, spent $200, so my goal this week is to only spend $80. We need to buy fruit & veggies, some red meat, bread, almond milk, tinned cat food, lunch meat, eggs, and some snacks for B. Looks doable. I'm putting it here so I can be held accountable and will *not* buy extra stuff. Wish me luck guys!

8 Responses to “Misc Financial Transactions ”

  1. Debt-free by Thir-ty Says:

    Good luck with the grocery spending! We've been eating out of the pantry, and I'm hoping to continue to stretch it to the end of the month.

  2. creditcardfree Says:

    Your employer gets a phone call if you apply for credit? I don't know what kind of job you have and if having debt is a bad thing, but I think anyone looking to reduce their debt, moving it around to avoid interest is smart! I would hope an employer could understand that.

  3. CB in the City Says:

    First of all, don't be embarrassed about having debt. It seems to be the norm, unfortunately, but there it is. Your employer probably has debt, too.

    Secondly, if your employer gets a call, it will probably only be to verify employment -- to make sure that the details you provided are correct. I really wouldn't worry about it! Get that 0% rate! That's how I got out of debt! (Along with selling my house, but that's a different story!) Smile

  4. VS_ozgirl Says:

    Thanks debt free .. We hope to eat our pantry down too! (It's currently pretty well stocked)

    Creditcardfree & CB - maybe you're right, maybe I am worried about nothing. And that is costing me just over $50 per month in interest charges!! You have inspired me to switch to 0%.

  5. FrugalTexan75 Says:

    VS - I've never heard of an employer getting a phone call except maybe if you're late with a payment (really late, to the point where they start hounding you.)

  6. scottish girl Says:

    As far as I know, my employer has never been contacted. Definetly try and switch.

  7. VS_ozgirl Says:

    Thanks guys, will do.

  8. bluesfemme Says:

    Good call to continue with it. My employer's been called twice to verify employment details (pay and length of employment) - under privacy laws my employer couldn't tell them anything just confirm details the bank said, which was from info I had provided in my application.

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