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.

Im starting this off with, "It is what it is." and with that said, its always time to move forward.

Newbie here. Actually I have been going to this website since I was 24 years old thinking and educating myself on retirement and life insurance. Luckily, my interest came while working briefly for a financial company that taught me about financial freedom and eliminating debt. In a nut shell, I don't work anything close to financial matters.

I am 33 and have a pretty good career ahead of me.
Heres are few other things .....

(1) As of yesterday, I, ME, Myself is at ZERO credit card debt. Well maybe I am lying. My partner and I do share a CC that has a somewhat balance on it of $1,800 and change....and its only at this balance from a recent vacation. To be paid off within 2 months. Kinda splurged. Well deserved.

(2) My goals for this year is to start a freakin retirement! Im late! and I have no idea where to start. I been in school the last decade so its time to really make this GOAL REAL. PLEASE and THANK YOU.

(3) hmmmm...what else. I have no car payment, pay little rent, monthly bills seem to be in order and I probably spend too much eating out.

Need to check out for now...