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quick update

March 6th, 2013 at 06:40 pm

Thanks for the support and ideas!

I put my phone/DSL and electric bills on auto-pay a year ago to make life easier, but I didn’t realize I could do that for credit cards. So, I will set up the 0% Discover card to pay about $670/month April – September and then that will be paid off.

*Finally created on-line accounts for my medical reimbursement and health insurance. Now I can make sure that I have all of my claims from 2012 (I want to see if I can get back my full $1300, I only have $1220 worth of expenses, so will lose $80).

*Found an $11 reimbursement check in a pile at work, so will add that to the $160 guitar check for depositing this week.

*Got an email confirmation from Zappos that gave me an $80 store credit for my returned running shoes. I called customer service and was able to get an $80 refund instead since I spoke to someone a few days ago about this under-the-wire return and she made a note that I could get a refund. Yee-haw!

*Accounts update – I’ll do this now while the market is ridin’ high!
Retirement plan through work: $293,631.52
Traditional IRA: $56,368.04 (earning nothing because I haven’t taken the time to invest it – doh)
Brokerage account: $ 42,050.46
Misc money market fund: $6500.00? (not sure – need to find the paperwork)
Emergency Fund: $ 26,043.76
Cash: $42,903

Debt:
Discover c.c.: $4060 (0%) – this will be paid off by September 8 w/no interest charges
Car loan: $ 6,778.08 (2.9%)

I need to add “create a will” to my to-do list. I don’t have a spouse or children, so have to decide who to choose as beneficiaries.

O.k., now back to work – this is a busy week at the office!

Posted in Uncategorized | 4 Comments »

4 Responses to “quick update”

  1. snafu Says:
    March 6th, 2013 at 09:45 pm 1362606331
    1362606331

    Have your late payments affected your overall credit score? This factor is important as it impacts the interest rates you will be charged in the future. Brilliant to transfer to a 0% CC with specific arrangements to clear before it expires. Delighted you took the initiative to get a cash refund from Zappos.
    Would you consider automatic payment arrangement for the car loan?

  2. starfishy Says:
    March 6th, 2013 at 11:19 pm 1362611951
    1362611951

    Snafu - i haven't checked my credit score recently, but imagine it has been effected. it's always been very high, so i don't think it will be a big deal. I've considered doing an auto-pay for my auto loan, but there isn't an option for that on-line (like there is for the c.c.). i'll have to call someone to see if it's an option, which will take a bit more effort (loan is through Chase). i'll squeeze it in when i can!

  3. Jane Says:
    March 7th, 2013 at 12:44 am 1362617082
    1362617082

    Just a little confused why you are paying interest for a car loan when your summary shows ample cash rserves to pay if off and save the 2.9%

  4. Jerry Says:
    March 10th, 2013 at 10:38 pm 1362955130
    1362955130

    Creating an on-line account for medical reimbursement and health insurance makes all the sense in the world. I hope it leads to a nice system that allows you to fully utilize your benefits!
    Jerry

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