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Archive for June, 2007

Computer fund slowly growing

June 28th, 2007 at 02:18 pm

Update on

Text is My new computer and Link is http://lau.savingadvice.com/2007/03/18/my-new-computer_23710/
My new computer post.

The HSBC account I opened for it is slowly growing and has $ 121.01 in it. The configuration I want has gone down since last March. I've also had to change a few components as the initial ones were not available anymore.

Previous quote: $ 513.96
New quote: $ 436.96

Only $300 more to go

Today is volunteer day

June 16th, 2007 at 06:54 am

I'm getting ready to go and volunteer to clean the Esplanade, along the Charles River, in Boston.

I'm part of an association called

Text is Boston Cares and Link is http://www.bostoncares.org/
Boston Cares.

Boston Cares organizes and leads team oriented volunteer opportunities throughout Greater Boston that have a positive impact on individuals and communities

Check it out if you live in the area.

Life Insurance Quote

June 13th, 2007 at 03:11 pm

One thing that was very overdue since we got the house was to get both me and hubby covered with life insurance.

And because Suze says that no insurance is useful except term life, I requested quotes just for that: Term Life.

Wow! I didn't expect such high premiums.
I asked for coverage at $250k and $500k, for 20 and 30 year term.

For me? $452 to $1,225.
For hubby? $1,600 to $4,615.

Well, we might look at a lower coverage.

The dog ate my glasses

June 12th, 2007 at 09:06 am

Oh yeah, he did. Really.

I left him alone downstairs last night for about 5 minutes. When I came down the stairs, my glasses were on the floor. One lens was out of its socket. One branch is completely chewed and bent.

I don't think I can have it fixed. It is was only the lenses, it wouldn't be too bad, but frames are so expensive. And off course, hubby and I didn't think it would be worth getting the vision plan. Well, THAT was a smart move.

I bought these glasses in France, and I was covered by insurance so it wasn't much. I don't even know what I should expect to pay for a new pair... Any idea??

And on a totally unrelated subject. I've been watching the

Text is Deadliest Catch and Link is http://dsc.discovery.com/fansites/deadliestcatch/deadliestcatch.html
Deadliest Catch on the Discovery Channel. AWESOME show!!
I've had the biggest school girl crush on Sig Hansen... I've never cared for the whole blond hair, blue eyes, Norwegian type, but there's something about him...

Debt repayment plan is written

June 9th, 2007 at 06:36 pm

I've computed all the debts we have which includes:
- 4 credits cards
- 1 credit card at 0%
- 1 medical bill
- 1 car loan

The plan is to have all of it, except one credit card paid off on February 2008.

The debt totals $11,447.28. Hmm... not great, but we'll get to it.

The plan: snowball the payments until one remains and gets paid off.

The order it will be paid off:
- Chase $25 owed
- Home Depot $35 owed
- Target $311.98 owed
- Citi $1,138.24 owed (all at 0%)
- Medical bill $241.78
- Car $4,603.89
- MBNA $4,918.39
Total $11,249.28

We can allocate $1,180 every months towards that debt, increasing it by $10 every months.

We're actually already 2 months into the plan. The goal is to see all 0.00 in that first column. Smile

------- Edit -------
D's comment about putting the payment from the 0% card into a high yield savings account and only making minimum payments got me thinking: how much would we make in interest if I did that?

The minimum payment on the card is $20. Since we make between $160 and $165 payments, it would leave us $140-145 to put in the savings.

We have an E-Loan account at 5.12%. Let's see...

So we're talking $22 in interest. What should I do? Not as much as I thought it would be.

Is it worth it??