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Saturday spending log

February 24th, 2007 at 11:03 pm

We spent $37.50 today on entertainment. Not that I'm really thrilled with that but a family of four to the movies with a popcorn and soft drinks isn't too bad. I am a member of the Regal Crown Club (if you go to the movies and you have Regal theaters this club is worth every penny. I have had everything from free food, drinks and movies so far in this club) and today we used coupons for a free small popcorn and soft drink and had it applied to our total at the concession. As you know movie theater concessions are a huge ripoff but the club makes it a lot easier when you actually do want to purchase concessions there. The nice thing about this club is you can accumulate points when you get your tickets AND when you get concessions so they add up rather quickly (just make sure you remember to give your card to the concession stand...a lot of people I know didn't know you could do that!) Also you don't have to track your own rewards. When you earn one it prints out with your movie tickets when you purchase them. We saw Ghost Rider and it was pretty good (it's not a deep movie but it provides plenty of entertainment!)

Stock update: CRWN I bought at $3.90 at open on Tuesday closed on Friday at $4.25. Now I only own 25 shares so it's not like it's a lot of money but it's nice to see an investment growing instead of shrinking.

The company I work for pays our gas and car washes so we were able to not spend $33 of our own money today on that.

I noticed today our outdoor lights (sconses around the front door, side door and garage doors) were staying on 24/7 so I turned them off and will continue to turn them off during the day. We have our landscape lighting on timers but for some reason the sconses are not on timers. I will need to find timers for them (or dawn-to-dusk sensors) to save money on our electric bill. Just a reminder to check your lighting and don't leave lights on during the day!

Lastly, on the debt front: a new bill from Bank of America due 3/22. Minimum payment $152.00 and the only charge was finance charge of $89.36...doh!

2 Responses to “Saturday spending log”

  1. zetta Says:
    1172419205

    I'm curious to hear more about your plan for knocking out your cc debt in just a couple of years. Are you going to take out some home equity when you refinance? How does the utilization factor in to your credit score -- is it better to have a bunch of cards with half the maximum than some cards maxed out while the others are near zero balance?

    I also have a book recommendation for you -- All Your Worth. There's a summary in my blog (
    Text is http://zetta.savingadvice.com/2007/01/26/booknotes-all-your-worth_21289/ and Link is
    http://zetta.savingadvice.com/2007/01/26/booknotes-all-your-...) if you're curious. From your posts so far I think it may fit your style better than Dave Ramsey.

  2. I-78 Commute Says:
    1172438333

    Since we have to refi in March of 2008 the plan is to immediately pay down all cc's that have util over 50 percent to get them down first and then attack the highest to lowest APR's. Based on being able to apply $2500-3000/month to the balances I think it's doable in around 27-30 months (we're not using any of the cards except for one and that one card is PIF'd monthly.) As for the home equity I'm doing everything I can to not turn the unsecured debt into secured debt but I realize it's at some cost with the APR's the way they are. The utilization is a huge key for FICO and I believe that it's really better to have the balances scattered as long as you can keep util low instead of 5 maxed and 5 with no balance. I think lenders want to see you able to not extend yourself to the max of your credit ability and that's why I'm attacking the high balances first.

    I don't like Ramsey's tactics. I've reviewed a lot of what he says and I realize he does have a following but I don't agree with his "all credit is bad" beliefs. I will definately purchase and read through the book you mentioned above (and read your summary!) I appreciate the help and the suggestions.

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