I just bought the Caddy! AND, I slapped it on my Credit Card!

Betcha didn't see that one coming, eh? Haha...Yes, after 5 days of test driving, researching, and thinking about it all, I decided to buy the Cadillac :)

And to be honest, I'm not even sure it was the 100% best thing to do financially at this point, but I made a decision and I took the chance. That's really the best way to learn anyways, right?

So how much did it cost? What are the deets?

The Price:
It was only $3,100! It was originally priced at $5k a month ago, then dropped to $4k, and then to $3,400 when I saw it. Guess the crazy high gas prices scared everyone away? Well I took advantage, and as much as i felt bad for the guy, I had to offer lower - $2,800 in fact. After some more bargaining, we finally settled on the $3,100.

The Car:
1993 Cadillac DeVille! Shiny maroon-red with tan leather interior, carriage top, and impeccably clean for a car it's age. Seriously, the thing is a beast. The owner was a mechanic, and car fiend, so he tweaked all the parts and made sure it was in top shape. He even loaded it with a new exhaust system to get that nice gargling sound ;) Pimp, much? OH, and he also added an alarm system, along with key-less remote (which didn't come standard) AND the best yet - A remote engine starter! haha... so i can start it from inside my house on a cold wintery day! MMmmmmmm.

The Financing:
Once I realized I was falling in love with it, it was time to figure out the financing. I checked w/ our local credit union, where my current car's financed with, and they just laughed i my face saying the car was too old. I then checked out USAA, of course, and the best they could do was 6.75% - not bad, but not all that great.

Then i had one of those "Ah-Hah!" moments and got to thinking about my credit card! The interest is variable, but $hit, it's only 5% right now! And plus, I only plan on having the "loan" until I can sell and payoff the SUV. Soooooo, I called back USAA and asked if there were any specials running and they were! If i used one of those checks they send out with the statements, I could put the entire $3,100 on it for a measly 3.4%! And it's locked in for an entire year - now THAT's more like it ;)

So now what?
Yes I found the perfect car, for a perfect price, and with perfect financing (for me, that is - i don't recommend going the c/c route if you don't work well with them), but now I have TWO cars. And that's on top of Mrs. Budgetsaresexy's car too!

Well, I now have to sell my SUV. And I have a feeling it's gonna be a tough one these days. Anything with "SUV" and "higher gas prices" involved is sure to get tricky. And worst case? I'll pay a little interest on the card, pay a little extra insurance, and drop the price a bit. I can't imagine having the car for months on end (knock on wood), but it is something to consider...just not as yet ;)

So while a plan like this isn't for everyone, i really feel like i'm on the right track and that I picked up a great opportunity. And not only for the car itself (which is totally rad), but for our financial future as well.

The day of zero car payments isn't too far away!

All I have to do now is sit and pray for some good offers to come in. Can you imagine the relief of losing $443 monthly car payments? My goodness that's sexciting :) I might have done things the other way around here, but damnit if i don't feel alive right now. That's life baby!

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Talking personal finance with neighbors/strangers.

I was out on my deck last night talking with our deck neighbor (we live in townhouses), and he asked me something i don't often hear a lot. He asked me "what i like to do for fun". Simple question, but i always get caught off guard with that one. I think it's because i can never actually REMEMBER what i do for fun ;)

Last night, however, i was able to get out how much i enjoy reading personal finance blogs. And it's funny doing this because 3 things always happen without fail:

1. No matter how you bring it up, it always comes out dorky! haha... i don't have a problem with that personally, i just wonder if anyone has pulled it off in a cool way? I can see older people discussing it just fine, but never have i heard it shared by anyone in their 20's...as sad as that is.
2. People are usually shocked to hear it. I don't blame them, really. Have YOU ever been told that reading up on finances were on someone's "Fun List"? And being told on blogs, or comments, doesn't count ;)
3. They want to know "secrets". This, ofcourse, after their shock fades way. It's not every day peers can talk openly about finances, so i can only imagine how far pieces of information could help them.

It also gets tricky because not only do i blog about it myself, but i'm ANONYMOUS! So, it's either let someone else in on my secret, or tell them how wonderful other blogs are to help them get started on learning! And then, of course, secretly hope they come across THIS blog and rave about it ;) OR, better yet, figure out that it's my blog so i can talk openly about it all.

As you may have noticed, i teeter on whether to tell friends and family i do this, or to keep blogging away in secret.

There are pros and cons to both, but it WOULD give them a better understanding as to why i think personal finance is important. And hopefully they'd be willing to educate themselves more, or at least poke around a bit and ask questions.)

I ended up sticking with the Anon. route, as hard as it was, and giving my neighbor few of my favorite blogs to get started (mymoneyblog.com, cleverdude.com, and krystalatwork.blogspot.com). Those are a mix between super informative, a mix of everything, and diary-type writing styles (respectively). Everyone has their own preference, so i'm hoping he'll get something from at least one of them.

I really didn't know how to answer the "secrets" part. It's always hard when you don't know that person's situation, nor finance expertise, you know? I don't wanna go into something they already know, only to have them lose interest and think they "know everything" already and thus not wanting to learn more.

So I started by speaking generally to get a feel for things. Our convo. worked itself to credit cards and credit scores, so i chimed in with a few "secrets" regarding those like:

• The average household has around $8k in credit card debt. At least that's what everyone says, but whether it's true or not, at least you know you're not alone.
• Raise your credit limit, and lower your interest rate. This will help lower your debt to ratio, AND increase your credit score - especially if you don't have much credit at all. All of this can usually be done by making a simple phone call to your c/c company.
• Make a budget - My favorite! (I wonder why?) Try tracking your expenses for 3 months to get an overall picture of everything, and then create a budget out of it. That was one of the best things i have ever done. You just need to do it once, and you're set for the rest of your life (because you'll adjust it as time goes on).

It was seriously one of the best talks i've had with a sorta-but-not-really-stranger :) Not only could i talk about a passion of mine, but i had the potential to help him. Or at least get him going in the right direction. Whether he checks out the blogs or not, at least he knows he can come to me now when financial things arise!

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Wanna know what it feels like to have ZERO credit card debt?

It feels GREAAAAAAAAAAAAAAT! (in the voice of Tony the Tiger). I know this because the Mrs. and i JUST paid off all 3 outstanding credit card balances today. That means no more interest charges, no more budget fenagling, and especially no more annoying bills to pay ;)

While it doesn't feel all that *different* per se, my brain does feel a bit more organized and clearer. I think it's just nice overall knowing that the only debt we have left right now is our mortgages and car loan. Unfortunately this will only last through August when Mrs. Budgetsaresexy starts grad school - yikes! The word on the street, though, is that it falls under "good debt"! haha...i agree it's def. better than c/c debt, but it's still not fun .

Either way, you need a solid game plan when it comes to defeating those evil credit cards.

Don't get me wrong, I'm a HUGE fan of credit cards in general - i charge everything i can to them, and then *usually* pay the balance off in full each month using my c/c budget - but what i'm NOT a fan of is recurring balances and the fees/charges assigned to it. When I find myself in this nasty territory, I set up a game plan and get the F outta there!

Here's the 4 steps we followed to sneak outta credit card hell this time:

1. We set up a time frame. It's hard to reach a goal without a marked finish line, so we decided that we wanted to be c/c debt free in 1 year. This started last November for us when we picked up our new iMac, and continued as we added a little more debt along the way. (most at 0% financing, but it's still debt)
2. We took a look at our budget. I knew there was no way in hell we were gonna pay it all off until we figured how where this money would come from. Since I already had a sexy little budget to rely on, i pulled it up and started re-working it until I couls squeeze an extra $100 a month out of it. This Benjamin, matched w/ the Mrs.', would be enough for us to reach our 1 year goal.
3. We applied the alotted money efficiently. The trick is paying off the highest interest cards first, and paying the minimum on all others. Some prefer paying off the smallest amount first to get quicker accomplishments along the way, but it didn't make sense for us. So we paid $30 or so towards minimums, and then $170 to the card with the highest interest rate...which at the time was only 5% ;)
4. We applied unaccounted for money towards the cards. This was the final killer! We used a good portion of our $6k wedding money to pay off all remaining balances, despite the urges to refurnish our house or pick up a sexy new pair of Dolce and Gabbana shades!

So after some re-budgeting, patience, and good fortune, we are now c/c debt free and ready to start saving that extra money! That is, after we take a month or so to enjoy the spoils first :)

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A whole mess of random goodness for ya today ;)

There's a lot on my brain this morning, but i can't seem to formulate paragraphs very well at the moment...so hopefully you don't mind the random listing of all my thoughts (I haven't had my beautiful coffee yet).

From my brain, to yours - here's what we got:

My man Baily, over at Thoughts from the Change Race, mentioned he has a few $5 Best Buy certificates he might be willing to part with! Not sure if you need to convince him or not, but if you're interested go ahead and leave him a comment on his latest blog posting. Tell him J from BAS sent you, and that he better treat you right ;)

It's another WOOT OFF baby! Not familiar? It's when Woot.com offers up a new product (usually electronic) at a REALLY cheap price until it sells out, and it then throws up another! It basically goes on for a good 24 hours, so if there's anything in particular you're looking for - like a stereo, memory card, watch, etc - keep hitting refresh throughout the day and more often than not you'll get lucky. Check out my Woot Post for more info.

Sometimes it's cool to track all the financial spam you get in the mail. And by "cool", i mean kinda "dorky", which really means "kinda cool". haha...Anyways, i've been keeping a list of this junk mail for a month or two, and some of it is actually pretty damn GOOD stuff. Here's everything i kept track of/remembered to keep track of, plus links to the companies:

• Chase Visa Platinum card (#1) - 0% on all purchases and xfers until August 1st, 2009. No annual fee, and no xfer fee! 6.99% thereafter.
• Chase Visa Platinum card (#2) - 0% on all purchases and xfers until September 1st, 2009. No annual fee, and no xfer fee! 7.49% thereafter. haha... it went up! Mrs. Budgetsaresexy actually gets these allllllllllll the time. Like once every 2 weeks!
• Chase Pre-Approved Home Equity Loan - Zero closing costs, and offers up to PRIME - %0.76 APR when you pay off $50k from another HELOC.
• Commerce Bank Pre-Approved Home Equity Loan - 4.24% + $100 bonus!!! No closing costs, nor annual fee. Sexy time for sure! (the
• PETCO P.A.L.S. Coupon - 10% off our entire purchase. geared towards my fishy fish too, they are sneaky little marketers ;)

I was featured as an "editor's pick" again during this week's carnival season! I think that's my second or third time for me in a month - i'm on fire baby, someone put me out! Here are all those I participated in:

• Money Hacks Carnival #17 - "Music of the 80's" edition - hosted by Mrs. Nespy's Frugal World *My editor's pick one.
• Festival of Frugality #130 - "The Eight Little Pigs" edition - hosted by OutofDebtAgain.com
• Carnival of Debt Reduction: "Advice from Dad" edition - hosted by BluntMoney.com (and not that kind of "blunt" money!)
• Carnival of 20-Something Finances - "The June 2, 2008" edition - hosted by Dollar Frugal (kinda old...forgot to post earlier!)

I thought i had something else to share, but i guess it slipped my mind...I think it had something to do w/ oranges? Oh well, probably best to get my coffee now ;)

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I Did It - My first credit card balance transfer!

How exciting is that? Okay, well not really i suppose, but being a man who likes doing new things it sure stimulated my brain ;) There's a whole world out there dedicated to credit card xfers, and it's nice to have a little better understanding of it all.

As you can imagine, there are a LOT of variables that take place throughout this process, so here's a quick Q&A session w/ myself to shed some more light (just like my interview! haha...):

1. Why did you have to xfer a credit card balance? Well, GOOD QUESTION! We haven't yet paid off our entire balance for our new iMac we picked up 6 months ago, and up until now the card was set at 0% interest ;) Had to skip out before it went up to 18%!!!
   
2. How MUCH did you xfer? $796.15. We throw $200 against both of our credit card balances each month until they are paid off, but 6 months wasn't enough time for this guy. But it's better than the $1500 it was once at.
   
3. And finally, did you sign up with one of those rock star 0% cards you recently posted about? NOPE. Remember i'm too scared to mess up on it all? haha... it's actually kinda sad as this amount would have been perfect to try it out. I just have too much stuff going on thought right now to spend the time and make sure i do it 100% perfectly.
   

I ended up going with USAA to do it (shocker). I can't help it, they were super helpful over the phone, they had a special 3% rate going on, and all in all i just felt a million times safer with them. I'm just a loyal dog, what can i say ;)

We'll have it paid off within the next few months, so it'll just cost us a few dollars by the time it's done. Big woop - i'd pay that for a healthy mind anytime.

AND, the best part? It literally took me 4 minutes to set it all up - all online! That's some convenience for you. And when i was finished, they hooked me up with some sexy reminders so ill know exactly what's going on:

• Balance transfers are processed as cash advances according to the terms of the Credit Card Agreement and will begin accruing finance charges from the date of posting until the balance is paid in full. (good to know)
  
• Balance transfers requested today will not immediately appear on your account balance. (check)
  
• USAA will process your balance transfer request within 5-7 business days. (yeah, well they have have been eating their Wheaties cuz they had that junk processed in TWO business days! talk about effective.)
  
• You should continue to make your monthly payments to each creditor as long as there is an unpaid balance. (smart)
  
• **Transferring the entire balance will not automatically close your other account. If you want to close the account you will need to contact the issuer directly. (Best piece of advice yet)**
  
• Transferring a balance that contains disputed purchases or other charges may forfeit the dispute rights related to those transactions. (sure....never dealt w/ any "disputed" charges anyways)
  

So, I am one happy puppy. I got to check this item off the list, and got a nifty litte post out of it at the same time :) Not too shabby there USAA - have any job openings for me yet?

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Money Mag - best credit card offers

This month's issue focused around the 100 BEST financial "products/ideas" out there. While i wish i could list all 100 here (some were pretty damn awesome) it wouldn't make a lotta sense - but you could always pick it up in stores while it's hot!

I did wanna share the credit card section with ya though, as it's always interesting to see the differences out there in today's market. Here's a summary of their picks + 1 of my very own ;)

1) If you carry a balance: Discover More - 0% interest for 12 months on balance xfers. While there is a xfer fee, it's only capped at $75, instead of the $99 avg out there. Rate startes at 10.99% afte intro. is over, which is also better than the 12.13% avg out there.

2) If you carry a balance AND you have a killer credit score (MY pick): Chase Visa Platinum Card - Mrs. Budgetsaresexy has received a whopper of an offer this week! 0% interest on all purchases AND balance xfers for 1 1/2 years!, NO xfer fee, NO annual fee, and then only 6.99% fixed APR after. The "killer credit score" being the key here.

3) If you want cash back (and you spend big): Blue Cash from American Express - Once you reach $6,500/year, you get back 5% on grocery, drugstore, and gas purchases, and 1.5% on anything else - beating the 1% current avg. for a cash-back card. Interest rate starts at 10.99%.

4) If you want cash back (and you spend small): Chase Freedom Visa or Master Card - 3% cash back in 3 of 15 categories (inc. groceries and pet supplies) based on which category you spend the most in. The sucky part, though, is that the rate start at 15.24%! So be sure to pay in full each month if you go w/ this bad boy.

5) If you're often aloft: Citi PremierPass MastarCard - For every dollar charged, you get one point, plus a point for every 3 miles you fly. The best part is that there are no black out dates or crazy carrier restrictions. Rates start at 10.24%.

6) If you need help saving for retirement: Fidelity Investment Rewards Visa - For every dollar charged, you earn 1 pt. After getting 5,000 points, you get a $75 deposit in a Fidelity account of your choice! now THAT, my friends, is hotness. They'll make you open up a brokerage acct. with them , but you dont' have to worry about any extra fees. Card comes w/ a fixed rate of 14.99%.

7) If you want low fees and no hassle - A local bank or credit union. I, personally, would see if you can first get in with USAA Fed. Credit Union, or even Navy Federal for all you military folks. But if it's a no go, then def. check out your local credit union. I went w/ ours in MD, and saved a whole 1% on my auto loan last year, beating ALL other places i checked...even USAA!

This is just a handful of cards out there, but i'd be interested to see what everyone else uses. If you have a Fav., let us know :)

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What the ... My c/c rate is lower than my mortgage!

MapGirl put out an interesting post yesterday about crazy interest rates these days, and it got me thinking. I, myself, have been coming across some pretty interesting things lately! Just take a look at our current interest rates:

• 1st Mortgage - fixed: 6.875%
• 2nd Mortgage (HELOC) - variable: 4.80%
• Credit Cards - variable: 5.25%

Can you believe that?! My credit card rates are LOWER than our 1st mortgage! haha...and it's not even by a little right now, it's by a whole point and a half. I get that our HELOC and c/c's are based on the prime rate, but my goodness it's pretty funny to look at.

Now, if i had the balls like some of you have, i'd take out a chunk of the credit card and throw it against our 1st mortgage! we'd save some pretty pennies for sure, but the whole thing scares me :) As soon as those rates start hiking back up, we'll have to knock away that credit card debt...and fast! We can't "lock in a rate" there like we can for our HELOC.

Speaking of which, although our $62k in our HELOC is variable right now, we always have the option of "locking in" a rate for a portion, or all, of the balance. While i don't think it's a good time right now, it's def. something for us to consider as the economy starts picking up. I'll be sure to keep you posted (pun intended).

In a perfect world though, we'd like to correct these #'s by refinancing our 1st mortgage. Bankrate is currently showing a national average of 5.79% for a 30 year fixed, which would save us a hefty $245 per month! BUT, there are a few hurdles we'd have to jump through:

1. We'd have to get it at "interest-only" - Currently this allows us to have a lower payment each month, while still giving us the ability to pay extra towards the principal. (It's not good for everyone, but for us it works.)
2. Our house would have to appraise within 10k of our purchase price - And since our HELOC was recently frozen :(, i'm gonna guess this is a long shot.
3. We'd have to pay closing costs and probably a point or so if i had to guess. - In the long run this would work to our benefit, but w/ Mrs. Budgetsaresexy soon to be in graduate school, we don't want to be shelling out much...esp if we might sell/rent out in the near future.

So, this leaves us back to square one :) But i'm not complaining! In fact, i hope the Prime keeps going lower to be honest. Selfishly, it effects us much more positively than does saving/bond/etc rates. On the other hand that would mean the economy isn't doing all that great....and that's plain scary!

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I Pronounce Today "Random Day"

1) I saved $8.50 yesterday at California Tortilla! you know those stamps you always get at fast food places like subway and all? well, i rounded up all mine from the past year and a half from eating at C.T. and it turns out i had just enough for a scrumptious FREE chicken quesadilla. i guess it DOES indeed pay to collect those little guys.

2) F! I just realized i spent .99¢ on an itunes song this weekend :( although it WAS related to this blog (it was "For The Love of Money from The O'Jays, & The Apprentice.), i still broke my Lent Challenge. F. F. F. i was on a crazy roll...oh well, at least i didn't do it intentionally.

3) I re-posted 4 jackets on Craigslist again, since they failed to find a new home a few months back. I'm pretty sure i have a track-jacket addiction, and i've been trying to unload the ones i never wear anymore. This includes these 4 out of the 15+ I have. I'd give eBay a shot, but i find i lose way more there when it comes to clothes. plus one of my jackets is pretty puffy and would require some interesting fenagling to mail it. Either way, the more i sell, the more my Fun Fund pumps up (evil laughs).

4) My credit card bill came in, and for the 2nd time in a row i've gone under my $800 budget! Last month i was around $130 under, and this time i'm under $250. i believe it's the inertia that's moving me along now. i might have to drop my budget down to $700 if i can keep this up to better acount for everything. if only the wedding wasn't coming up... (re: money that is. i do want to marry ;) )

5) Check it: www.trueofficeconfessions.com. Hilaaaaarious! Maybe you could even waste some time on it when you're bored? Thanks Give Me Back My Five Bucks for posting about it, it has made my last 24 hours very pleasant :)

6) It's taken me a good 3 hours to post this. it just so "happens" that i'm at work, and every freakin' time i log in to write, something work related comes up and distracts me. This is actually the fourth time i've tried to push this bad boy out. i mean, what do they expect....for me to work? pshhh.

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Credit Cards are cool.

I just can't help it, i love those little boogers! They're convenient, easy to keep track of, and extremely valuable in an emergency. They're not great for everyone, of course, but for me they work. I'm comfortable managing my money, i pay off the balances each month, AND i stick to a nifty little credit card budget.

Maybe that's what all the haters need? A budget for their credit card. I mean, all the same principles apply as the "standard" one: know how much you're putting on it, figure out which categories to use it for, follow your allotted amounts, and reward yourself for sticking to it.

As with all mental budgets people go by, this one too is without exception - you think you know what amount is good, but you don't have the facts to back it up. For me, i thought $500 was my "budget". Why though? I never actually sat down and came up with an amount that met my needs, nor did my bills ever reflect this $500 arbitrary amount. I guess people just like the wishful thinking part of it :)

The amount that actually works for me is $800/month. This may sound high to some, but i use it to pay anything and everything i can. My USAA Platinum Card, like many others out there, comes with a cash back program. So every time i swipe that bad boy, i'm saving a certain %* each month (not a huge amount, but it's still FREE money!). Here's what i charge each month:

Beer: yummy!
Food: eating out, snacks
Pet stuff: food, toys
gifts: birthday presents, charities
Random: unexpected items, blogs :), fees
Shopping: clothes, house decorations, toys 4 me
Transportation: gas, train tickets, metro (does not include auto loan & insurance)

So there you have it, my nifty credit card budget. Now if you can track this in detail every month (ie. take out all the transactions, assign them into the categories, and then see if you're + or -) more power to you. I wish i could myself, but i just don't have the patience for it anymore ... haha ... Now i just look to make sure it's around $800 or less, and if so, i pat myself on the back.

We're going on my 2nd month using the budget now and i'm totally happy, especially since i've given up on the "shopping" section since Lent. It def. makes it harder to go over budget now :)

Last month my total bill was $623.47!!!

I'd normally reward myself, but considering the previous bill was at $1,478.55 (OUCH), i'm still recooperating and trying to get back on track. I challenge you to give it a shot though, it can't hurt...although i can't promise it won't sting a little ;)

----
*Cash rewards per month: If i spend up to $2,000 = .35%, If i spend up to $4,000 = .75%, If i spend up to $11,000 = 1%, If i spend up to $15,000 = 1.25%

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Our store credit cards are back

UPDATE: As of 6/23/08 - NO MORE DEBT!
*For details on how i pulled it off, check out my Zero Credit Card Debt post :)
--------------------

I've had zero store credit cards for years, but lately we've been picking up a few. I guess it can't be that bad as they're all at 0% APR right? Another thing to keep in mind is that Mrs. Budgetsaresexy will pay for her half of all this ;)

Here's what we got:

1) Helzberg Diamonds - $1049.96: Picked up 2 Wedding rings. The sucky part is that i literally JUST paid of my fiancee's engagement ring (whew). Ah well, that's life eh? The prices were great though, and the credit deal even better - 0% APR for 1 year. The goal here is to pay off just enough each month so that at the end of the road we get the balance knocked off.

2) Juniper - $1530.16: Our brand new iMac! It's so H-O-T. Got the upgraded memory, and nice sized screen, + a free printer. We didn't *need* this per se, but it def. helps having a home computer now that's brand new and fresh. I'm a graphic designer and my girl's a song writer/singer, so this should def. help motivate both of us. This will also be our last major purchase now that we have our finances in order, as well as a house for that matter. yikes.

3) Express - $93.33: This one is temporary as they were having a helluva deal man. First off, everything i bought was 60% off original prices. THEN, on top of that, there was an extra 10% off for some reason, and then ANOTHER (can you believe it?) 20% if you signed up for a card. Soooo, here we are ... 3 T-shirts, 2 hoodie sweatshirts, a pair of jeans, and a pair of socks later :) *This will be paid off by the end of the month, and then closed out 100%. no tempty tempty for me.

4) NEW! "House Credit Card" - $4180.10: This is at 5%, not the worst, but still not at 0%. There was no way around this bad boy though, our wedding budget got a bit crazy and the cash flow couldn't be timed right - thus, forcing us to throw some huge chunks of it on here. This will be the 1st to be paid off after our wedding

TOTAL: $2,673.45 $6853.65 $0.00

My goal is to have this paid off by end of 2008. I'd normally pay off first, but since it's at 0% and Operation Heloc has since been stomped out, I gotta breathe life back into my Emergency Savings stat.

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