Equifax says my credit is excellent! Last week, I got one of my free credit reports. For an extra $6.95 you can throw in your credit score.
Last time I found out what my credit report/score, I thought I was doing pretty well. I had a score in the 760s. Since then, I have finished paying off my student loan and I have paid off all credit card debt. All the hard work has paid off.
Wednesday, September 7
a good nights sleep...
Over the weekend, my fiance and I went shopping for a mattress. It's one of those things that I knew we needed, but he thought we could just let slide. Well, after months and months of coaxing, I convinced him it was time to make the investment.
We had gone into a store in our neighborhood the previous weekend, with little luck. The salesman was very helpful at first. We told him what we were looking to spend and he showed us a few beds...all of them out of our price range. When we finally picked one that we liked, he told us the mattress would be $100 more than we said we wanted to spend. Then he asked us about delivery. Since we live about 10 blocks away, we told him we'd pick it up from the store. For some reason, he didn't like that Idea. He just started telling us what we could do to get free delivery...as if that would make us feel better about the price. Turns out they don't deliver on Saturdays and they wouldn't schedule a window of time, so one of us would have to take a whole day off. It shouldn't be a surprise that we walk out of there. No Sale!
So Saturday, we went out to the 'burbs. At the 2nd store, we were helped by a younger guy...probably mid-twenties. We told him how much we wanted to spend, and he instantly directed us to two choices that were in the right price range. He didn't try to up-sell us at all. Then, when he found out that the one we wanted wasn't in stock, he called other stores to see if we could take it home that day...no luck. But, he put in an order for it to brought to the store on Tuesday, with no hassle about having it delivered instead.
Last night, we picked up the new mattress, and I had the best sleep I've had in years!
We had gone into a store in our neighborhood the previous weekend, with little luck. The salesman was very helpful at first. We told him what we were looking to spend and he showed us a few beds...all of them out of our price range. When we finally picked one that we liked, he told us the mattress would be $100 more than we said we wanted to spend. Then he asked us about delivery. Since we live about 10 blocks away, we told him we'd pick it up from the store. For some reason, he didn't like that Idea. He just started telling us what we could do to get free delivery...as if that would make us feel better about the price. Turns out they don't deliver on Saturdays and they wouldn't schedule a window of time, so one of us would have to take a whole day off. It shouldn't be a surprise that we walk out of there. No Sale!
So Saturday, we went out to the 'burbs. At the 2nd store, we were helped by a younger guy...probably mid-twenties. We told him how much we wanted to spend, and he instantly directed us to two choices that were in the right price range. He didn't try to up-sell us at all. Then, when he found out that the one we wanted wasn't in stock, he called other stores to see if we could take it home that day...no luck. But, he put in an order for it to brought to the store on Tuesday, with no hassle about having it delivered instead.
Last night, we picked up the new mattress, and I had the best sleep I've had in years!
Wednesday, July 6
mid-year round up...
Since I've passed the half-way mark, I figured it would be a good time to take a look at those resolutions for 2005. I think I'm doing pretty well so far. The first half of the year has been focused on getting rid of debt. So, now that I've finished paying off my student loan and credit card bills, I can focus on other things that I need.
I am going to wait until September to take a look at my credit report. That's when DC is eligible for free credit reports. I plan on getting all three at once, plus my FICO score(s). I got my credit score last summer, and thankfully, it was pretty good. So, I'm very interested to know what it looks like now that I've paid off all of my debt. I'm also hoping that the credit reports will help me determine if I should cancel some of my credit cards. Regretfully, no one ever told me that having too many cards is bad...even when you don't carry balances on them!
It's also about time I went through my closets and started getting rid of some stuff. I never had "spring cleaning" day this year. Right now, I have a lot of clothes that don't fit correctly. Most importantly, I have a stack of skirts and pants that I bought with the intention of hemming. So, I just need to sit down and fix these items.
All-in-all, 2005 has been a good year. And, I still have 6 months to go!
I am going to wait until September to take a look at my credit report. That's when DC is eligible for free credit reports. I plan on getting all three at once, plus my FICO score(s). I got my credit score last summer, and thankfully, it was pretty good. So, I'm very interested to know what it looks like now that I've paid off all of my debt. I'm also hoping that the credit reports will help me determine if I should cancel some of my credit cards. Regretfully, no one ever told me that having too many cards is bad...even when you don't carry balances on them!
It's also about time I went through my closets and started getting rid of some stuff. I never had "spring cleaning" day this year. Right now, I have a lot of clothes that don't fit correctly. Most importantly, I have a stack of skirts and pants that I bought with the intention of hemming. So, I just need to sit down and fix these items.
All-in-all, 2005 has been a good year. And, I still have 6 months to go!
Monday, June 13
just in case you wondered...
13% Republican. | "You're a tax-and-spend liberal democrat. People like you are the reason everyone else votes for guys like Reagan or George W." |
Tuesday, June 7
a year on the beach...
A year ago, I went on the South Beach Diet...Hokey as it may sound.
I have a friend in New York who had gone on the diet and had much success. She was still able to eat out all the time and live a normal life. So, I decided to give it a try. In no way would I have called myself "fat." I just wasn't happy with the direction things were headed.
The day I started the SBD, I weighed in at 141.5. Well, now that it's been a year, I can truly say that this has worked for me. I woke up this morning and weighed myself. I'm holding steady at 127.5! That's the weight I reached some time last September. And, I've stayed under 130 throughout the holiday season.
I would like to get down to 125, but I'm not going to stress out about it. I consider myself to be on Phase 3, and don't see too many reasons to change that. Instead, I'm hoping to fit more exercise into my routine.
I can't recommend this thing to everyone. It takes a lot of time to cook and plan meals. And, some of the foods that are in the plan are a bit more expensive. But, the results are worth it. And, thankfully, my BF was (and is) supportive.
I have a friend in New York who had gone on the diet and had much success. She was still able to eat out all the time and live a normal life. So, I decided to give it a try. In no way would I have called myself "fat." I just wasn't happy with the direction things were headed.
The day I started the SBD, I weighed in at 141.5. Well, now that it's been a year, I can truly say that this has worked for me. I woke up this morning and weighed myself. I'm holding steady at 127.5! That's the weight I reached some time last September. And, I've stayed under 130 throughout the holiday season.
I would like to get down to 125, but I'm not going to stress out about it. I consider myself to be on Phase 3, and don't see too many reasons to change that. Instead, I'm hoping to fit more exercise into my routine.
I can't recommend this thing to everyone. It takes a lot of time to cook and plan meals. And, some of the foods that are in the plan are a bit more expensive. But, the results are worth it. And, thankfully, my BF was (and is) supportive.
Thursday, April 7
on the eve of my 29th birthday...
Okay, I don't want to get all mushy or emotional about my birthday. I can't think of the last time that I got truly excited to be celebrating a birthday...probably not since my 21st. At the same time, I know that the last 29 years have been pretty good to me...I'm healthy, happy more days than not, and I still have most of my own teeth. (I'm especially glad that in 29 years, I've developed a sense of humor that lets me say stuff like that).
So far, 2005 has been pretty good to me. For instance, check out the resolutions on the sidebar. I'm only a quarter through the year, but I'm already a third of the way to my savings goal. I've gotten to visit good friends in New York, and even had someone fly clear across the country to see me. (Thanks again, Maya). I've been holding steady at a fit 126.5 lbs for the last couple of months. And, sometime next month I'll be making my last credit card payments...That's right! I'll be debt free!
I'm also looking forward to the rest of the year...I'm going to try to work my way through the rest of the resolutions and get ready for the BIG 3-0. I hope to get there without flipping out, without getting depressed, and with the realization that 30 is the new 21...at least in my mind it is.
So far, 2005 has been pretty good to me. For instance, check out the resolutions on the sidebar. I'm only a quarter through the year, but I'm already a third of the way to my savings goal. I've gotten to visit good friends in New York, and even had someone fly clear across the country to see me. (Thanks again, Maya). I've been holding steady at a fit 126.5 lbs for the last couple of months. And, sometime next month I'll be making my last credit card payments...That's right! I'll be debt free!
I'm also looking forward to the rest of the year...I'm going to try to work my way through the rest of the resolutions and get ready for the BIG 3-0. I hope to get there without flipping out, without getting depressed, and with the realization that 30 is the new 21...at least in my mind it is.
Friday, March 25
back to the beach...
I'm going back to Phase I for a week (or two). Surprisingly, I've been holding steady weightwise, but I've been eating very poorly. Since Maya got here, I haven't had time to go grocery shopping. In New York, we ate out every meal, and I have only cooked once since getting back to DC. I've really enjoyed the food, but I'm starting to feel pretty bloated and run down.
Tonight, we're going to have tapas at Rumba Café. What I love about this place is that the tapas aren't strictly Spanish. They incorporate a lot of South American and Caribbean flavors as well. Tomorrow, my BF has invited our friend Paul over for dinner. Paul has a culinary degree, specializing in French cuisine. But, he's always wanted to learn how to make pierogi. So, the plan is that the two of them will spend the day making them, then we'll have a dinner party...I'm pretty excited that I won't have to cook!
So, my plan is to enjoy this weekend while Maya is still in town. On Sunday, I'll go over to Safeway and buy everything I need to go back to Phase I. Hopefully after a week, I won't feel like snacking and eating salty, fried food. If I still have cravings, I'll continue for a second week. At this point, I'm not looking to loose any more weight. I just want to sweet/snack tooth to turn off again.
Tonight, we're going to have tapas at Rumba Café. What I love about this place is that the tapas aren't strictly Spanish. They incorporate a lot of South American and Caribbean flavors as well. Tomorrow, my BF has invited our friend Paul over for dinner. Paul has a culinary degree, specializing in French cuisine. But, he's always wanted to learn how to make pierogi. So, the plan is that the two of them will spend the day making them, then we'll have a dinner party...I'm pretty excited that I won't have to cook!
So, my plan is to enjoy this weekend while Maya is still in town. On Sunday, I'll go over to Safeway and buy everything I need to go back to Phase I. Hopefully after a week, I won't feel like snacking and eating salty, fried food. If I still have cravings, I'll continue for a second week. At this point, I'm not looking to loose any more weight. I just want to sweet/snack tooth to turn off again.
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