Well we have some good news and some bad news! First the bad news...the kids pretty much sucked down the rest of our weekly budget...to the point where we're going to try to make it on $250 from Monday until next Wednesday. It's not going to be easy but I think if we have an actual cap we might be able to pull it off. The kids needed money for school (daughter needed money for photography class...yes she's well enough to get back to school! Our son needed cafeteria money which we fund by writing a check to his Cafetrac account.) She also went to the grocery store for some extra stuff and spent $33. So our cash reserves look like this:
Balance: $68
Spent: $53
Remains: $15
The check to our son was for $50 (yes..ouch!) so that drops us to $35 in the red. It's ok the money is in the account to withdraw it but we are cutting the amount to take for next week to compensate for the check. I think we can do it but it'll be tough.
Now for the good news and there are a couple of "good news" areas. First I mentioned how I listed a bunch of items on Ebay (17 altogether!) Well FIVE of them sold already using the buy it now option which I required the pay immediately function and everyone did! Everything sold on Sunday and I made a grand total of $435 (that includes already paying seller fees!) So over the last week I've made a grand total of $661.50 on Ebay (which isn't a bad supplement on the income!) I still have 12 items listed and three already have bids so here's to hoping everything else sells and we make even more money! I've already put in the transfer for the money to go into my bank account so in a couple of days we'll have some extra elbow room and technically we could refill the cash to $300 if we pull from the ebay money.
One thing I am going to let my wife do is get her salon haircut and at first I was going to tell her to hold off another week but I can now let her do it and pay with some of the ebay cash (about $100!) Yeah it's a little different than my 10 dollar cut but I don't mind that she gets it done. I'll let her have some fun now and then! 
My other good news is I got an alert from Equifax's Score Watch program (one of the only programs that monitors your true FICO score and doesn't give out a fake score) saying my score had changed. Well my Equifax FICO went from 665 to 707 after the updates from a couple of my cc accounts hit! I've been a credit monster for a few years now and to see that score climb over 700 is a thing of beauty. I'm getting closer and closer to that refi on the house and saving a ton in interest!
Sunday recap and Monday info
March 12th, 2007 at 12:54 pm
March 12th, 2007 at 01:57 pm 1173707836
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March 13th, 2007 at 02:34 am 1173753284
I was interested to read that in the U.S. you need to keep your credit cards open even though you might not use them. Here if you have any credit or store cards with a limit, that limit comes off your borrowing capacity regardless of whether you have a balance on the cards or not. When DH increased the mortgage 12 months ago (for renovations) I got him to ring up his CC company and have them reduce his limit from $16000 to $1000 otherwise he wouldn't have been able to borrow as much. I would have got him to cancel it completely but it was his one and only CC at the time. In fact, once all our CC debt is cleared (we have 4 cards between us) all but 1 card will be cancelled, and that remaining card will only have a small limit on it for things like hotel bookings or airline tickets.