Posted by Nicole *The position Mr. Saver has been posing in when talk of our impending house purchase comes up Cutting backNot that we were big spenders to begin with! But now with the closing scheduled for little more than three weeks away, we’ve all but stopped discretionary spending — only the necessities, for now. Yes, this includes Mr. [...] Posted by Nicole You know you want to read all about my spending/saving habits… Subscribe to Rainy-Day Saver now! Thanks for reading! =) Posted by Nicole We’re on a tight 30-day close schedule, assuming everything goes the way it’s supposed to. So I spent my lunch hour yesterday on the phone with the mortgage guy, applying for the house loan. Nearly 50 minutes later, we were approved — and got a kick-ass 5% interest rate, no points. That’s pretty darned good [...] Posted by Nicole Oh, my. Closing costs are the work of the devil. We know how much we’re putting down on our new house (::fingers crossed::), but closing costs seem to vary widely from lender to lender. There are fees for things I would never even have thought of! We want a mortgage with little or no points. But that [...] Posted by Nicole My job involves a weekly Monday deadline, so whenever the holidays fall on that day, I’m still working. Holidays? Smolidays. Yours truly didn’t get home until 4:15 this morning. Then, the phone rang at 9:15 a.m. I figured it was work, but I was wrong. It was our Realtor. We’ve got a house! If everything goes [...] Posted by Nicole Just scheduled another fat payment toward our credit card debt. I remember a time, not too long ago, when I didn’t have ANY CC debt *sigh*. On my card was the honeymoon, bridal gown and a few other wedding-related purchases. Mr. Saver’s credit card was gunked up with his “incidentals” — and now I know [...] Posted by Nicole My poor, poor wedding gown has been sitting in its garment bag since the day we were wed in holy matrimony (okay, not so holy, no church involved). While I want to keep it, I don’t want to pay the hundreds of dollars to get it “cleaned and preserved” in one of those silly little [...] Posted by Nicole Not the song — that’s where my money might as well have gone in the past few weeks. I was a bad girl. I love my friends, but we spent a lot on going out the last few weekends. Spending a night in Hoboken, dining on sushi (at the fancy places, not our usual ShopRite take-out), [...] Posted by Nicole There’s nothing like getting stuff for free (or dirt-cheap) at drugstores or grocery stores, but I find a lot of the time, they’re products I have no use for. It’s not even that it’s a brand different that what I would normally use… it’s just that I can only use so many free Glade plug-in [...] Posted by Nicole A few weeks ago, we returned Mr. Saver’s car to the GM dealership after his lease was up. It was at this time that he told me that he had to pay around $600 after returning the previous lease because of things that needed to be fixed/replaced, such as tires and brakes. At the time [...] | | Contact RDS!Got something to say? Want to advertise? E-mail admin [at] rainydaysaver [dot]. net DisclaimerI'm just a 30-something married gal saving for a rainy day. I love talking about personal finance, but in no way does it make me an expert on the topics discussed on this blog. If you have any questions or concerns, be sure to contact a qualified financial adviser. In accordance with FTC guidelines, we state that we may have a financial relationship with companies mentioned in this website. This may include receiving access to free products and services for product and service reviews and giveaways. Any references to third party products, rates, or websites are subject to change without notice. We do our best to maintain current information, but due to the rapidly changing environment, some information may have changed since it was published. Please do the appropriate research before participating in any third-party offers. |
