That’s how we got a car payment

We only had one car but, paying before & after school care for just one 2 hrous for four kids was $1300 !! I figured i’d pay the car off wayyy faster than that bill.So, I take my hubby to work then everyone to school in a 8 passenger. We couldn’t all fit in our car. I still wished we’d have had enough saved to just pay cash for the car. Ugh ! However i’m still saving a fortune in daycare.

Reporting in for the week while I’m cooling down from being outside the last few hours listening to bluegrass music

At home ds has managed to make do on all the repairs around there with things on hand. He’s turning into a pretty good scrounge when need be. He’s also his mother’s child. He decided he wanted a steak, so he went and purchased a roast at a much lower than steak price and then cut it into 5 steaks. He froze four and then grilled the fifth. Said it was one of the most tender steaks he’s had in ages. The man is learning!

As I reported before we called around for the six tires we needed for the truck every place but one we called said a week to ten days to order the tires in. The prices we were quoted made tears come to my eyes. Most want $180 to $200 per tire before the tax, hazard insurance, valve stems and disposal fees. The average price was about $1400.

The place we found that could have them Saturday quoted us $965 out the door, everything included. So not only could Hibdon have them faster they were going to be a LOT cheaper, roughly $400 cheaper.

My mother and I didn’t get along on a lot of things, but I did learn some things from her. One is to haggle, yes you can haggle with big chain stores. I do it all the time. Dh always walks away when I start this, he loves the savings but is always leery as to how they will react. This time I started by remembering we have a farm tax number for OK. Our truck is registered as the farm truck, since it’s the only vehicle we own there is no argument about that. It is tagged as a farm truck. That knocked off over $100 right there.

Then when I went to pay I casually mentioned that I noticed they had been running specials for other brands of tires for buy 3 get the 4th free etc, and was wondering if there was any discount what so ever available for these tires. Nope, the b3g1 was from the manufacturer, not them and it was for small car tires. I mentioned we were traveling and in fact had driven two hours to purchase the tires from their store. The man said “let me check on something for you.” When he came back he said he got an authorization for a small discount. They took off another $35. While it’s not a lot, it’s a lot. So between the phone shopping around, the farm tax number and simply asking for a discount we saved about $535—that’s nothing to sneeze at!!!

Dh says this is why he has always wanted me to be a stay at home wife. He figures the way I work things like this I earned a lot more money raising our kids then I would have ever earned in the marketplace.

Then of course there was that tiny little medical bill we paid off this week. One down two more medical bills to go and then on to the credit cards.

We’ve decided to continue to stay at this campground through the holiday because we get a $2 a day discount for anything over 10 days. I’ve found more work for here and the bluegrass started tonight. To move on this Friday would cost us a lot more than that and the work I have found for after the first is just that. Starting after the first, so we might as well stay here cheaper and enjoy our friends and the music.

Oh we moved the camper to a recently vacated shaded area today too. That will cut down wear and tear on our air conditioner, plus it let us dump the sewer for free rather than the $8 we usually pay at this campground for them to pump out the camper. Hey, $8 is $8.

Our credit is with capital one

I know DR say’s no no to any card….but where I live we have to have credit or our car insurance is sky high. Anyway, we aren’t tempted with over spending with it like others can be. So for us it makes sense to have it. I have to the card for 20 years, even before I was married. I’ve never had an issue with them. Maybe I’ve just gotten lucky. I’ve never had more than the $4000 charged on it….back in the day when we carried debt. Now I use it once in a while to keep it active, but pay if off as soon as the charge posts to my account.

Yeah I know, y’all are going to faint from shock

So I have a CC with Capital One but it was a dormant/closed account with HSBC. When CapOne bought the HSBC CC line, things were fine until a few months ago, when they switched software and I could no longer pay it online, nor did I have the CC number.

NO ONE at CapOne has been able to figure out how to solve the problem, other than someone finally said, we can take a payment over the phone, no charge, but by that time I was $135 past due.

So I just called CapOne and got this guy with a BRAIN who said, hey, do you have a paper statement on this account? I said yes. He said, up near the top you should see your whole CapOne account number…if you put that number into “link the account”, you might be able to link the account.

So I did and it DID !! He is just brilliant.

Ok, so I made an $80 payment for tomorrow, and of course, that still leaves me $113 shy for the “total amount due” but it goes a LONG way to getting things handled. Not only that, but if I can squeeze out the $113, my monthly minimum will drop to $25 a month.

This cheetah’s in my gun sights!!

Do you remember Superpoints?

Some of you may remember SUPERPOINTS. It was a program where you earned points and traded the points for gift cards. Well, Superpoints has been sold to new owners and is operational again. If you were a member before you may remember clicking the Super Lucky Button you win points.I rejoined today and already got an Amazon gift card. This program requires an invite to join. Please e-mail me and I will send you an invite. Thanks so much

AT&T subscribers – now is time to get 99-cent iphones!

If you have At&T like I do, just a heads up that the iphone 5 is now available for 99-cents! You have to ask them for it, and most stores don’t have them in stock anymore. They will tell you the iphone 5S is $99, but if you ask me, there is very little difference (certainly not a $98.99 difference). The original iphone 5 (referred to as the iphone 5-C) will make calls, surf the web, work with apps, text… what more do you need?!

My local AT&T branch overnighted me the 99-cent phone to my home at no charge since they didn’t have any in stock. So know that they do offer this option!

Just an FYI for everyone. I am sure other major carriers are offering similar deals, so if you need a new phone device but don’t care if it’s the “latest,” ask about a brand new last years model phone and save money!


You may recall the other day

I filed a complaint against a bill collector for threatening to put down in writing the false statement that I refused to make a payment on the bill.

I got a call today from the CC company from the division that handles complaints. They said they reviewed the call, APOLOGIZED for her behavior, and said they would be sending a formal request for discipline/review to her supervisor.

Holy heck! It’s a miracle I didn’t pass out from shock.

I barely got out the words “thank you.”

Thanks for the tip Mark!

DH and I never thought about that type of work. I did some googling and it doesn’t look like a PI license is required to do that in Texas, but DH has done that type of thing before when he worked loss prevention. Some companies in the area seem to advertise PI’s doing mystery shopping so he is going to contact some of them and see if any are hiring investigators for those jobs!

Thank you :-)