Lazy Sunday ($97,398)

I spent the last hour or so in bed, reading blog posts while my man friend watches soccer (bogarting my computer in the process), and decided I should see if there’s been any updates to my credit score. I knew my last late payment (about seven years ago) should be dropping off sometime in the next couple of months. When I refreshed my score–BOOM! It’s gone! My score (which has been slowly increasing over time as a result of my low utilization) jumped 23 points as a result.
I also have two hard inquiries and 7 open installment loans. The oldest inquiry should drop off in another couple of months (credit card I applied for in April 2012 when I was still highly irresponsible), and open loans should be down to six around the same time. I’m hoping to be down to four by the end of the year, but I don’t think either move will have too big of an effect–certainly not the 20+ point increase I saw this morning.

It’s looking more and more like a house purchase won’t happen in 2015 anyway, but by the time we’re ready I should be down to four revolving loans and one (or no) hard inquiries, except for the mortgage application, whenever that happens.

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($103,299) But really like ($104,100)?

Why will my Monday purchases not post to my credit card?  

Yeah, that’s right, I spent a crap-ton of money on Monday.  On my credit card.  Okay, I did that last part for the points or rewards or whatever.  I’m trying to show activity on my credit cards–I have the money sitting in my account to pay the minute I get a statement.

So the credit card part is fine.  The actual spending itself? Eh.  I did get a small Christmas gift for my boyfriend, but mostly I bought Uggs for myself.  I justified this by telling myself that I’ve spent very little on myself in the last few months.  Really it means I have to be super vigilant about not buying lunch (oh hey, guess what I’m doing tomorrow?) and going out to dinner/need to be good about planning meals.  I do not look forward to this at all as I’ve been having an extremely blah week.  I’m a little sick, and I skipped coffee on Monday and Tuesday, both of which contributed to me practically falling asleep at my desk at work each day.  So I haven’t felt really productive, which makes me very uneasy, given I’m trying to show that my work warrants a full time position.  I know that I’m doing things, but I’m not always positive the things that I’m doing are adding value.  Basically it’s just stress that I’m not good enough, which is exacerbated by the temporary nature of my position.  Hopefully, I only have to worry about this temporary status for another month, but there are days when it really wears on me (“Hey are you going to this event” (that all employees were invited to) “Umm I’m not invited to that…”)

But hey! I just noticed that my total debt is under $110,000!  It will be back over once those charges post, but should be back under before the year is out. Small goal accomplished!