Debt Sucks

Last year, the Commonwealth passed a bill in to law called the Volunteer Responder Retention and Recruitment Tax Act, which provided for up to a $100 tax credit for volunteer fire, EMS, and rescue personnel, based on activity. We all got one of these forms down at the station early this year, and mine indicated [...]

Well here’s some surprisingly good news in the mail today. Turned out the collection agency wasn’t lying when they told me my rate would be cut to zero. So how ’bout them apples, Dedicated? What do I win on that bet we should have made but never did? Oh, that’s right [...]

I’m expecting to be broke for a week and a half. Those buggers at the collection agency called me back on Friday while I was sleeping, presumably in regards to me wanting to change my payment date. I had planned on calling them back this afternoon from work. Naturally, I completely forgot. Tomorrow is the [...]

Remember that “IW option” we were all wondering about? Well, it turns out it was a deal to cut my interest rate down to zero in exchange for making larger monthly payments. Got a call from the good old “416″ on my cell phone while at work (apparently they learned not to call [...]

Pinyo over at Moolanomy recently wrote about roadside emergency gear you should have in your car before you have to use it, and I felt compelled to elaborate.

I’ve had a lot of roadside emergencies, so I keep my truck stocked with everything I might or someone else might need. One of the big ones is [...]

One thing I’ve been struggling with as of late is how exactly to budget for savings. My emergency fund currently stands at $70, enough to avoid any unexpected overdrafts or the like, but that’s pretty much. I’ve settled on a good base of 3 months that I want to save up for right off the [...]

As has been mentioned before, I’ve been working without any real goals, other than “as fast as possible.” Yes, I still have a random slew of goals in my spreadsheet, but they still don’t serve any purpose other than for my own amusement.

That changes now.

Now that I know exactly what all of my current debts [...]