Okay I should be cleaning the house and fold our going-out-of-control newly laundered clothes but I've got the itch to blog so what's a girl to do but scratch it right?
I must admit the first part of this list are not exactly baby steps since they require a substancial amount of money but I've thought of more ways to save more this I promise are small steps.
But first let me ramble about this condo loan from pinas, can you imagine paying 17% yearly in interest. Oh my! I've long wanted to take this burden out it was an investing mistake we were young and well we were not thinking clearly. I'd like to think I've matured a little bit in making financial decisions I hope so!!! WE tried to transfer this to a lower interest loan but since that was the peak of recession the bank could not loan us a big amount. Now I'm thinking of crazy thoughts once again. What if I get another bank loan in pinas with lower interest, accept whatever they can loan us, be it 60% of the appraised value or whatever. Pay that amount to the high interest condo loan and have the high interest loan recalculated with whatever is left. Can that be done? Jeezz..I think I'm over thinking. It's a good thing that we have a renter to set off the interest payments but still paying $$$ per month is not joke.
Back to small steps.
1. I was surprised to fine extra cash this month to put in as savings and our credit bills are not that much, in fact it's the lowest in months! I had to wrack my brain on what I did and I attribute it to pure laziness/tiredness. I kid you not, because I was too lazy to go anywhere these past few weeks our credit card bill went downhill. Also, I no longer look at much deals online because my computer time is limited so I have to thank the kiddos with that. Now that warmer days are here I can't promise to be that good though, summer clothes are too nice to say no to right?
2. Disconnect services that are not used. We have vonage ip phone which we pay $11 per month, we don't use it we were just too lazy to call and disconnect the service. 11 x 12 = 132 a year enough to buy a coach wristlet. Must call tonight.
3. Finally submit our electricity rebate, gaad why am I so bad with rebates.
4. Use whatever is available in the pantry, I still have lots of meat in our freezer. I need to put in my thinking cap to cook meals with what's on hand.
5. Lay off on the coffee! I've been having Dunkin Donuts coffee 2-3 times a week or if I must have coffee I'd lay off on those blasted value meals. Caleb's toddler school is near a Dunkin Donut store while he is in school I'd usually go there to get my caffeine fix. WOuld you believe I like their brewed coffee more that Starbucks? I think Starbucks is overrated.
6. Go back to the drugstore game, I have stopped my couponing frenzy I do still do it in small ways but I've been lazy. In CVS and RiteAid, I can get items for free by playing their drugstore game, I should go back to that since I'm out of shampoo.
7. Do a garage sale, we have so many junk that I think it's time to let them go.
The laundry is calling and taunting me, must go there NOW hehe.
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