Refund, YAY!

Our credit union paid off our car loans at their respective banks and Wells Fargo sent us a refund of $19.69. Yay! Finally I'm getting something back from a bank.

Saturday, I hadn't yet opened a new businerss checking account at the crsdit union so I hadn't canceled our US Bank accounts yet. I checked our balances onlione and one of our US Bank savings accounts which had nothing in it for a long time, suddenly was overdrawn $4.00. They decided to charge a maintenance fee which they had never charged before. I was so fed up I went right down to the bank right then and closed all our account. Then I realized that I had no business account. And when someone makes a check out to The O'Neal Building Group, you can't just cash it at their bank. You have to deposit it into a bank account for said business. So I had to go down to the credit union and open a new account. Of course it was Saturday so it was busy, but I got it done. Which is good because I got a payment from a customer later that day and another one today.

I have an appointment on Wednesday to give the credit counseling place all my account numbers and get that started. And I have an appointment tomorrow to talk about opening a college savings account for the boy. That's with my insurance agent who also does investments.

Take That Bank of America!

Our credit Union approved our refinancing of the Truck. The percentage went down to 5.49% and the payment went from $451 a month to $372. Not as drastic a drop as the car but that's because the length of the new loan on the truck is closer to the length of the new loan, where as the Kia got put into a new loan that has another year more than what we had on our old loan. All I care about is that we aren't giving money to the big banks anymore. Soon I'll close our accounts at US Banks and I'm going to tell them exactly why. Because they suck. Yeah, that's what I'll say.

So Monday or Tuesday I should have time to call the credit counseling service and see about that. If that works out we should be in much better shape to get this debt paid off within two years. I have a bunch of work coming up and I'm trying to keep things more organized so I'm not wasting as much money business wise. I need to get some more business cards made and a couple new advertising things and then I'll update my website with new pictures from my last couple jobs.

I sold my old broken iPhone on eBay for $217. That's more than I paid for it new (with a contract). I used a little bit of that money to buy a new hammer, tape measure and couple of finish carpentry tools. Then we were going to go to the Tillamook Cheese Factory today but my unexpected doctor's visit for my eye canceled that. So we got some snacks at the store and are just gonna veg. I'll be working tomorrow to get one job completed and to get a little ahead on another. Then as long as this week goes to plan I will actually have a full weekend off next weekend.

Goodbye Car Loan Interest

Our new credit union had no problem refinancing our car loan for us. Our interest rate is going from 13.59% to 5.49%. Our payments go from $316 down to $119 a month. So if I try to keep paying about $300 a month the car will be paid off in no time. I gave them all the info to refinance the truck as well. It qualifies for 5.49% interest too, and right now it's loan through Bank of America is 9.39%. Honestly, I wouldn't care if the interests was the same if I could stop giving money to Bank of America. I hate those bastards. The other thing that helps is that our first car payment with the new loan isn't due until May 5th. That's a month off from the car payment. And if they approve the truck that would be a month off from both payments. That would give us a chance to get caught back up. Then once I know about the truck I will call the credit union's free credit counseling service and possibly consolidate our credit cards.

I'll get you if it's the last thing I do Debt!!!!