It's Friday!!!

Who else is excited that it is Friday??


It's been a good productive week and I'm looking forward to my first weekend of "frugality".


This week I downloaded a free credit report from Equifax through Annualcreditreport.com. The results were sobering:


I have 9 Negative accounts and 1 in collections....

The balance owed for account in collections is $270.00

The following is a break down of closed accounts that are not in collections (although I never paid the debt off):

Account #1: $43.00 (utility company that I had back in my early college days)

Account #2: $410.00 (cell phone company - again this is very old from back in my early college days)

Account #3: $4,418.00 (my first credit card that I opened in 1998).

Account #4: $0.00 (refinanced student loan - I no longer owe anything here because I consolidated my loan)

Grand Total : $5,141.00

Deep Breath. Okay. So that sounds like a lot but it is really not that bad. I mean, other than the fact that my credit is in shambles it COULD be a lot worse - right?!

Here's the bright side: In the year since I've had my car - I've not missed one payment and the account is in good standing!!

There was one error: It lists my credit history as being "0 years". I'll make sure they update them - should be "10 years" as 1998 was the year I went to college - got my first credit card and my first student loan.

Sigh, at times this feels like an overwhelming process but I know that each small baby step is a step in the right direction.

In other news, this Saturday SB and I are going up to Riverside to collect the rest of my things from my old apartment. I'm not looking forward to paying for the gas for the drive back down (we're renting a u-haul and taking his SUV) but this is a necessary trip. I'm going to spend the rest of the weekend DE-cluttering - i.e. going through my closet and drawers and tossing out/donating clothes. Now that I share closet space with SB there just isn't enough space . . . plus, I really don't NEED a lot of this stuff anyway. I'm ready to clean out the cobwebs and have a fresh start!

Friday nights we usually treat ourselves by going out to eat or doing take out. We usually don't go overboard - Mexican food from one of the hole-in-the-wall places here is a usual go-to . . . or pizza. Instead, tonight I'm making a frozen skillet meal I got on sale for $5.00 at the store. This small change will make up for the fact that on Sunday morning we are meeting out-of-town friends for breakfast.