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Upromise

January 11th, 2012 at 07:43 pm

I joined upromise to help a good friend pay off her student loans. She's already out of school, I think the program is through Sallie Mae.
I set up the toolbar so all my relevant online purchases will get credited.
I also applied for a credit card and got it, it will give 3% on top of any other deals towards her loans. The bank gave me a $15,000 limit, so I'm thinking crazy credit is the norm again. (I have a few things to post about this in the future, I've played some funny credit card games - all in my favour!).
I have already done some shopping using my card and the upromise site, and bought things I usually purchase like flea stuff for the cat, cat food, and last night I went through drugstore.com and picked up a few things I usually buy and have wanted. I think so far I've made her about $40 for her loans. A few of the places gave back 8% when I used the credit card too.

I made one unplanned purchase; I bought one share of a stock certificate from the 99 cent only store (NDN). I am getting an actual certificate, matted and an engraved plaque which I am having 'Thanks for the ride'. I have bought a lot of this stock (NDN) over the years, its made me a lot of money, and its about to go private. I currently have hundreds of shares which I guess will be sold. The shareholders meeting is tomorrow to vote, but since the board wants to sell I assume it is a done deal. So I guess this is officially artwork.

TO DO - make a list of all the stuff I buy and compare online prices. I don't like shopping (except at the farmers market) and tend to buy most things online anyhow.

Credit Card

December 25th, 2011 at 02:42 am

I don't have any personal credit card debt, I pay off what I charge every month.

My financial partner K was out of work for a while and ran up a bill of $19,000. Its currently at $14,600 at 7.75%. It cost $100 interest last month which was worth it to me to not pay it off using our savings.

The only other debt we have is our home equity loan ($131,700) and mortgage ($318,200).

#1 short term goal is to pay off this credit card. I have not idea how long it will take. Its one of the reasons I started this, to see if I can track and predict.