Walmart just sent me a "pre-approved" application for a credit card. Oh my! What should I do? Seriously, I don't need another credit card, but Walmart did stop their layaway plan. Seriously, layaway is the best thing retailers have ever done to try to help the credit-card-challenged.
Well, I'm going to think about what to do and I'll write about it in later posts. Hey, if I get it, it doesn't mean I have to use it, right?
Sunday, July 8, 2007
Friday, July 6, 2007
How can you spend what you don't have?
How could I have spent money I don't even have? My computer has been acting a little wacky because my hard drive is completely full. So, when I saw a sale on external hard drives (yes, that dreaded word -- sale), the money just leaped out of my pocket.
It was a good buy; $79 for 250gigs and it's a Seagate. What!? Does that matter? I don't really have the money and it would have been better used going to pay down a credit card. Well, maybe that's not true. If I don't have access to my computer, it makes my life (professional and personal) a lot more complicated.
There, I just did it. I should have called this post, "how to justify spending money". Hopefully, this purchase was not a mistake. Now, if someone could only talk me out of purchasing an iPhone. I am with Cingular and my contact is up.
It was a good buy; $79 for 250gigs and it's a Seagate. What!? Does that matter? I don't really have the money and it would have been better used going to pay down a credit card. Well, maybe that's not true. If I don't have access to my computer, it makes my life (professional and personal) a lot more complicated.
There, I just did it. I should have called this post, "how to justify spending money". Hopefully, this purchase was not a mistake. Now, if someone could only talk me out of purchasing an iPhone. I am with Cingular and my contact is up.
Tuesday, July 3, 2007
Travel Plans: Be Prepared
This is a weird posting, I know, but it is relevant to budget planning and being prepared. My company sent me to New York for training and all was well. That is, until the weather wrecked havoc with return flights and mine was cancelled for two days! Yes, that's right -- two days in New York city without a company credit card.
The good news is I was prepared. I wasn't traveling on my last dime and my bank account was not empty. The company will reimburse me. As a matter of fact, as soon as I walked in the office, they were ready for my expense report.
Point being, if I were living from paycheck to paycheck, I would have been sleeping the night in the airport and extremely embarrassed (it's a new job). Not that long ago, my bank account would have been empty and my pillow would have been my luggage.
Those dimes are adding up!
The good news is I was prepared. I wasn't traveling on my last dime and my bank account was not empty. The company will reimburse me. As a matter of fact, as soon as I walked in the office, they were ready for my expense report.
Point being, if I were living from paycheck to paycheck, I would have been sleeping the night in the airport and extremely embarrassed (it's a new job). Not that long ago, my bank account would have been empty and my pillow would have been my luggage.
Those dimes are adding up!
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