Credit Card

Last week, I applied for a credit card with my credit union.  I was notified today that I was not going to be approved because of a credit card balance I have in collections. 

Since I hate being told that I cannot do something or have something, I decided to apply for a credit card with Capital One.  I am trying to rebuild my credit! 

The application process took less than 3 minutes to complete and I was approved within 30 seconds or so!  My credit limit is $1000 but I plan on making small purchases here and there and paying it off as soon as I can.

Credit Score

I received a call from the bank about my secured credit card application, she reminded me that I needed an account with them and I told her that I applied for one in early December.  She looked it up and informed me that my account was opened and just needed to be funded!  I just wish the bank would have told me this when it was opened.  The account was opened on the same day I applied!!!!

I received my credit score from the bank.  According to FICO, I am just under 700.  That is MUCH better than what I thought it would be, considering I should have a foreclosure on there and unpaid credit card bills and other things.

When the time is right, I hope to re-apply for a credit card, I will try for either a secured card or a regular credit card and see which one I am approved for. 

New blog opportunities and waiting

I am axiously waiting for my casserole dish to get here!  I don't know when it was or will be shipped but I hope to get it soon.  I am looking forward to using it. 

I am also waiting for my Jillian Michaels' DVDs to get here.  I can't wait to try her workouts!  I love my current workout program but to add something new will be a treat! 

I have not heard anything more from the credit union, so I don't know if I was approved or will be approved.  I just want to start out with a savings account and then apply for a credit card or even a secured credit card to rebuild my credit.

We are doing better financially with Shannon working two jobs.  He has a separate bank account and his own credit card with another bank.  He has his security job paychecks going straight to that account.  He uses that account for his own spending money, such as gas, food, etc.  He just switched his Best Buy direct deposit to our joint account.  I will be using that to pay our bills!

I ended up pitching a PR firm that represents Soda Stream and I will be receiving the "genesis system" to review!  I am excited!  We don't drink a lot of soda, but this sounds like a healthier alternative since it uses water to make the soda! 

I am still on schedule with my new workout program: Les Mills Combat!  It's a little difficult but very motivating and fun!  Once I receive my Jillian Michaels' DVDs, I may add them here and there.

Applied for my own account

I applied for my own savings account with the credit union, so that I can "officially" be a member.  A few hours after I submitted my application, I received a call from the credit union stating they ran my name and address and it said "no."  I think she was saying that it's showing I don't live at my current address.  At first I was confused, considering we've lived here for over a year and I receive mail everyday.  I asked her if I could email her a picture of my ID, which I was able to. 

As I thought about it, it may not show up on my credit report about where I live because I haven't applied for a credit card, nor do I have an employer.  The last time I applied for a bank account was when we lived in another city and the last time I had an employer was a few years ago. 

I'm not a "member"

I applied for a secured credit card through our credit union in hopes of trying to re-establish my credit.  I received a phone call from the bank stating I had to be a member of the credit union.  I am only listed on a joint account, but not a member.  So now I need to go join and open my OWN account to be a member!  This is so dumb!  I thought I was already a member. 

Goodbye Wells Fargo!

We are officially done with Wells Fargo, as of this afternoon.  We went to the bank to close our accounts with them.  We then took the cash to our credit union to deposit! 

Our rent is due this Friday.  Shannon gets paid on Friday (from one of his jobs), which means he will have to transfer some money into our credit union to help cover rent.  Right now, we don't have enough to pay it.  Our money is spread out between two banks.  He still needs to sign up for direct deposit with Best Buy because his money is automatically added to a prepaid credit/debit card that the company issues him. 

Shannon is working crazy hours the rest of the week.  We are pretty much out of food or close to it.  I plan on making a few trips to the grocery store that is down the street.  Since I have to walk, I will have to do a few trips if needed.  I don't want to be stuck carrying 50 pounds of groceries home. 

Haircut!

I just got back from getting my hair cut!  The last time I had my hair cut was in May 2011!  I love my hair cut!  It feels lighter and will be easier to take care of. 

I had to walk to our credit union to deposit some cash and a check and then stopped at Great Clips to get my hair cut.  I had a coupon for a hair cut for only $7.50!  Shannon needs a haircut too!  I have another coupon for him to use.  We also need to cut Kyle's hair.  His hair is so long, he's looking like a cute little elf!

Shannon works tonight from 10pm until 6am.  Hopefully we can go grocery shopping later today since we are almost out of food.  

I also gave in a purchased 5 air plants today since they were having a Cyber Monday special (free shipping)! 

This one is called a Xerographica:

The one below is called Ionantha Peanut (Buy one get one free):

The last one is called Ionantha Druid (Buy one get one free):

I think I am going to get into Tillandsia (air plants) since they don't require soil!  My houseplants that are in soil are always spilling over and causing a mess because Kyle likes to climb on the shelving that they sit on!  

Sunday

I made another batch of homemade laundry soap this morning.

I am slowly trying to get back into couponing at Walgreens to help us save money on the non-food items we need.  I had Shannon pick up the Sunday paper on the way home from work.  I went through the Walgreens ad and matched my coupons with what was on sale.  I took Kyle for a walk to Walgreens and bought 2 bottles of conditioner, 2 boxes of Always pads, and 2 packages of Pampers.  I also picked up my free 8x10 photo that I ordered a few days ago while Walgreens was offering the special! 

It was nice to get out of the house since Kyle and I have been indoors since last Tuesday.

Shannon worked last night at his security job from 11pm until 7am and has to work again today from 3pm until 9pm at Best Buy.  We plan on closing our Wells Fargo accounts and moving our money to our credit union!  Monday norning, I plan to deposit money into our credit union.  After I do that, I can get my haircut since there's a Supercuts in the same shopping center.  I haven't had my hair cut in over a year and half!

Shannon was called about working extra shifts for his security job.  He is now working tonight from 11pm until 7am and the same for Monday and Tuesday!  We need the money!

New Credit Union Members!

We are officially credit union members!  I just signed up online!  Shannon had to be the primary person on our joint account because he is the one who is employed with one of their "approved employers list."

Shannon is at work at the moment.  I had to call him for one thing I needed information on.  I know everything else about him, I just needed to be reminded of his mother's maiden name and the spelling. 

I am so excited!  I can't wait until we receive our welcome kit that they will be mailing out to us.  Once we order checks and receive our debit/credit cards from our new credit union, I can close our accounts with Wells Fargo.  We have been with Wachovia since 2007 and then they merged with Wells Fargo. Wells Fargo charges too many fees and we are just unhappy with them.