Dimples' Divine Domain
My journey to financial empowerment.

I got tagged by Juice Fairy for the 7 Random Things Meme going around. Here ya go: I own 46 pairs of shoes. I speak 3 languages. I don't eat red meat. I am of Caribbean decent. I have one tattoo and its on my right thigh I graduated from high school with a 4.3 GPA but I never ever studied Number six didn't carry over into college Alrighty, thats all for now folks. I am gonna tag some of the newbies to the game. tee hee Mya Moola Dreams @ Soon Enough I Am Fabulous UnLikelyMe

Well it seems like ING lost their dang on minds and lowered their interest rate on the Ultimate Savings. Unfortunately, that is where I have my emergency fund. I have gotten pretty used to the nice interest I earn every month. I am a little discouraged by the rate drop that I am tempted to move my money to another account. So I did some hustlette work and found the current interest rates for the money market/savings accounts for competing banks. Bank APY (%) ING Direct 4.30% Citibank 4.75% Capital One 5.00% HSBC Direct 5.05% Emigrant 5.05% I will move my E-fund to an already established account. I am not looking to open a whole new account for this since I already have three. I currently have an online savings account with ING, Citibank, and Capital One. I added the others for your information. Aside from a higher interest rate, I am also taki...

I took Hustler's advice and called Vonage to change my rate plan. I currently had the $24.99 Unlimited Residential Plan and changed it to the current promo which was the same exact plan but for $14.99. So I just saved myself $10 bucks a month. I have unlimited minutes, free long distance, and all the features and I only pay $15 a month. You can't beat that! Thanx Hustler! I am on the fence with what to do with my cable. I currently have both my internet and digital cable through Brighthouse. I pay $20 for Roadrunner and $50 for digital cable. I don't watch that much television and when I do it's specific shows. My fav shows are Prison Break, Grey's Anatomy, Ugly Betty, House, House of Payne, Burn Notice, and Monk. All but the last two are shown on my local channels. And from what Saving Diva says ( I think it was her), some of the ones I just listed are also shown online. I am tempted to cancel my cable and go without it for the entirety of my cc debt snowball. Doin...

I have been doing a lot of research these past few days, trying to find information on the "right" way to close credit cards. And I have concluded that there isn't one right way. It all depends on your situation. My research did uncover certain elements of your credit report that you will need to take into account when deciding how to close your credit card accounts. Credit History : Definition : Measurement of how long you have had credit, starting with your first credit card or installment account (15% of credit score). Dimples' Research Says: Closing one or more credit card does not disturb your credit history. Accounts will stay on your credit card for a 10 years after they are closed and during that time you will still retain that card's credit history. Revolving Utilization (AKA balance to credit limit ratio): Definition : Amount of your revolving credit limit that you are currently using (30% of credit score). Dimples' Research Says : This is ...

Nuff said.

I have been searching for discussion boards where I can log on and communicate with other people who are or have been in the same financial situation that I am currently in. I have found that in the forums at Debt Consolidation Care . It's one of two forums I currently use to ask questions and receive answers back from folks who have actually had experience in that subject. Anyone working on repair the credit? Do you have collection accounts? Did you know that you can write a 'Pay to Delete' letter to your creditors? A agreement that once you pay off your debt that the creditor will remove all notation of delinquency and change the account to paid , no late payments. Some of the other forums that caught my interest are Credit Repair , Dealing with Collection Agencies , Getting a loan (Mya, this one's for you), and Dealing with Student Loans . I recommend trying out your questions at this site. You'll be amazed by the practical solutions you...

I received my travelers cheques and gift card that I redeemed my Amex bonus points for. I ordered these things Sunday and got them in the mail today! To think they had an option where I could pay $10 and receive my stuff in 3 business days instead of the 10 business days @ no charge. Glad I didn't fall for that mess. Anyone know if I can cash in travelers cheques at a bank?? I am thinking about using one of the the cheques to pay off another card. Actually, I think that is what I will do. I have $158.23 left over in my budget. I forgot that I received a payout from Cash Duck for $80 and my rebate from my laptop purchase for $150. So that is where the leftover is coming from. I will use that and $15.01 from the Amex bonus to pay off my Avenue card which is $173.24 total. I can still use the remaining $85 for my daughter's birthday trip. Yeah Amex!! I returned my Target online purchase to one of their stores today. My online purchase total was $57.21 while my refund ...