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February 7th, 2014 at 10:58 am

Enh, my triple-checked predictions for the next two weeks' spending sees us with $26, yes, $26, remaining from one two-week paycheque.

I deposited $38 for Week 6's challenge. More of that in an upcoming post.

I'm considering not eating out FOR DINNER on Valentine's Day. We've been doing fine abstaining from eating in crowded restaurants with steak au poivre, potatoes Anna prepared at home. I may attempt profiteroles. Someone's given my husband a red Cabernet Sauvignon from a local winery, so there's $7-$8 savings for 52-Week Savings Challenge Week 7. Not eating out will save us $75 minus the cost of steak and potatoes ($20), so $55. But my romantic one is taking next Friday off, so we have to think of some cheap, close-to-free ways of enjoying time together. I can think of some bistros or wine bars that offer Chinook Book discounts. I could let him have some funds to get a refurbished watch as a Valentine's Day present.

The car loan, 45 months to go, wasn't so bad before the clarinet rental, and hikes in property tax, utilities, phone tax, insurance (car, not home). Sometimes I think of bold ways to deal with the car loan. The bold options I still play with:

Sell some precious metals.
Throw the car loan into the HELOC.
Refinance for yet another 12-year loan (it's fee free) rolling the HELOC in there. This is the stupidest move because it assumes we still want to live here, but aren't many bold moves stupid?

The milquetoast option I do, because I'm timid and lazy:
shave a wee bit from what's left over to debt. And I'm touched enough in the head to not want to do that because my debt total right now is $122,222.00. See how pretty those twos are? They look like Zs, and I sure could use some Zs.

I do immediately reject solutions that require paying more interest in the long run. That doesn't mean they don't sneak back in.

I feel like I am sitting on my hands and bouncing in my seat waiting for the magic graph coordinates of liquid assets equaling debts plus emergency fund. That won't come until May, with the triple paycheque month and our heating bill cut in half.

Here's a question, for anyone with GEICO car insurance: do you enjoy a "credit score" discount? We have such a discount on our home insurance, but not for car...

3 Responses to “Reserved”

  1. snafu Says:

    Do you have an Emergency Fund? What is the interest rate on your car loan?

  2. PauletteGoddard Says:

    snafu: I have an Emergency Fund. The interest rate on my car loan is 2.74%. It is the lowest rate of all my debts, the highest rate of my debts is 3.75%.

  3. frugaltexan75 Says:

    I have Geico. As far as I know I don't have a credit score discount. But I do have the lowest rates offered due to being a long-time customer.

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