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  1. 11-09-2007, 08:34 AM #1
    JustJoy
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    Default Enjoying it while I can!

    Last month I received my electric bill saying that I owed nothing due to a credit. Yesterday I received my bill for this month and they are still saying "excess credit".....I only owe $2.45! I've been putting the extra cash in my EF
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  2. 11-09-2007, 09:19 AM #2
    lwlynch
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    isn't that nice. They did that on my gas bill last year. It was like a surprise gift. enjoy..
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  3. 11-09-2007, 09:28 AM #3
    latierra84
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    niiice! gotta love find that "extra" money in your budget during the month.
    marie/andrea dh

    We had a baby! 10/04/11
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  4. 11-09-2007, 09:32 AM #4
    Jayne
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    WOOHOO!!!..Thats great!!
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  5. 11-09-2007, 09:32 AM #5
    LexTysMommy
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    Cool! Good job putting that money in EF. I dont know if I could think like that!
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  6. 11-09-2007, 10:31 AM #6
    Twinkle
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    Good for you
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  7. 11-09-2007, 11:25 AM #7
    Momof3girls
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    How terrific! :up:
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  8. 11-09-2007, 12:31 PM #8
    sdrjeolsen
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    Yay, that's great! good idea to put it in the EF and not spend it
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  9. 11-09-2007, 12:31 PM #9
    banana
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    That is great!!!

    married to my honey
    mommy to one handsome teenager
    mommy to 2 furbabies

    no consumer debt, zero, zip nada

    mortgage - 56,140.96 pay off date 11/2017
    car fund 5,000
    heating unit 0
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  10. 11-09-2007, 04:21 PM #10
    DixieJ
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    That's great news!

    Dixie Jean
    Dixie Jean
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  11. 11-09-2007, 10:25 PM #11
    cottageliving
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    great -- and you were so smart to put the leftover in you EF!!

    I have so much to learn from all of you.

    Jen



    30 yr old DD
    3 kitties (2 adopted from my daughter)


    As of January 1, 2011------------------------ Updated June 10, 2011
    Short term goals:
    - $2,000: to set up my consulting business. DONE! INVESTED ANOTHER $5000!
    - $4,000: down payment gift to daughter to bring her down payment on a house to 20% and avoid PMI. ON HOLD.... her offer wasn't accepted...
    - $1,500: pay off Student loan ALMOST THERE!
    - $1,200: pay off credit card (was disputing with creditor (ALL PREDATORY FEES charged on ZERO BALANCE), but I'm giving up the fight to make this go away...) PUT OFF till June/July
    - $11,600: Pay off Cornerstone car loan by end of May 2011 DONE
    - Complete tax returns by February 15th DONE




    Long term goals:
    Continue to follow a modified Dave Ramsey plan to pay off debt. Progress has been made, but there is much to do...
    Balances January 1, 2011 -----------------June 10, 2011
    Citimortgage on home: $104,500-------- $102,775
    BofA Mtg on Rental: $27,000------------ $26,000(Est)
    HSBC Equity Line on Rental: $11,900------ $9,902
    Citibank car loan: $13,830 -------------- $11,663
    Cornerstone car loan: $11,600------- PAID OFF!!
    Student Loan: $1,500------------------ $320
    Credit card: $1,200-------------------- $1,200
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  12. 11-10-2007, 12:41 AM #12
    SummerM
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    That is awesome!
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