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Putting my ducks in a row

February 7th, 2017 at 03:23 pm

Canceled Directv completely. For the past 6 months I was paying about $143 a month for 1-2 channels I only watched and the Sunday Ticket. I got an HD Antenna receiver ($34) for basic TV but its not getting the best signal so I may search and have to invest in a better one. I have Netflix and showtime app and Amazon Prime for my TV entertainment.

I went to a credit union by my job to check out a possible new loan for my high interest private loan from Wells Fargo (Balance $5,100 at %11.24). They ran my credit from experian 632 and the representative was curious to know what my score was from capital ones creditwise which I believe they use transunion. It was 672. Turns out I can only get a CC at %14.4. I said heck no and decided to pay it off in lump sum within the month or two. My savings and checking will be very small but rather get out of paying any additional interest so I can then just save save save.

4 Responses to “Putting my ducks in a row”

  1. fern Says:

    Good job on cancelling the pricey DirectTV. I was very interested in the HD Antennas too but was afraid reception might not be that great where I live. So I use Roku with Prime TV. Don't you think it's redundant having both Netflix and Amazon Prime? Tthey both have so many movies...you cold even rotate so one year you have one, the next year you have the other. I think Amazon Prime is a little better since they throw in the free shipping and various other freebies..

  2. alice4now Says:

    Good on you for cancelling DirectTV, do you have plans to put that extra savings directly on the debt? That might help make the "loss" sting less, to see where the payment is actually going.

  3. creditcardfree Says:

    Great plans to save on your monthly expenses and pay off the loan and avoid all the interest!
    Definitely check FCC maps before you go buying another antenna. The one that worked the best for us in our last location was a large one that we put in our attic. Cost was under $100, but it worked really well.

  4. rob62521 Says:

    I don't blame you for not getting the credit card with the higher interest rate and paying stuff off. I'm sure you will work on replenishing the money in your savings.

    I always wondered about the HD Antenna. Thanks for sharing.

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