FPU... oooh i dont remember what week we are on.

Anyway, Sorry about not posting I usually do it in my down time at work but this month I had almost no downtime until now. And now i have almost two weeks of nothing to do.

last weeks title was : That's Not Good Enough!.

I loved this lesson! In our family Josh is sooo very good at getting deals and I more like "If I want it I should be willing to pay the price." And much like Dave's wife I don't like the conflicted feeling that comes with haggling.

So this lesson really helped me to understand why Josh always ask fro "The Deal of The Day"
Josh even got a deal on reissuing his business license and that a government price tag!!!!


So here are some facts and figures on getting a good bargain.

• Always Tell The TRUTH.
• The more you SHUT-UP the more the sales person will offer you incentives.
• The key is to have PATIENTS and lots of it.

Places to find good deals.

1. Individuals
2. Estate sales
3. Public auctions
4. Couponing
5. Garage sales
6. Repo lots
7. Flea markets
8. Refunding
9. Forecloses
10. Pawn shops
11. Online auctions
12. Classified adds
13. Consignment sales
14. Conventions

Well that was pretty much the lesson it was short but sweet. And we are now exactly half way through the book!!!!!!

Josh turned 24 years old

That's 288 months and 1152 weeks.

we had a great day just driving around looking at junk cars and campers for his friend Tanner. Then we came back to the house and fried a turkey. We also made Dirt Cake. Ooh its SO Yummy! its got pudding and Oreos, then we topped it with Tonka trucks and sparking candles.

He was asleep by 9:30 though.

It was a good day and he had lots of fun, and some of his buddies came over and they played with their race cars out back. Its more like having a 4 year old not a 24 year old.

week 5 credit SHARKS

So this week was CREDIT SHARKS IN SUITS, it was also very good like every other class so here are some the highlights from that.

• Myth: You need to take out a loan to get a credit card to bring up your credit score.
• Truth: The FICO score is an "I Love Debt" score and is not a measure of "wining" financially.
• DO NOT WORSHIP AT THE ALTER OF THE GREAT FICO!!!!
• A collector is taught to evoke strong emotions.they want to make you feel afraid and angry.
• If you have bad credit they cant make it much worse.
• NO CREDITOR OR COLLECTOR MAY TAKE A BANK ACCOUNT OR GARNISH WAGES!
• They can only call you between the hours of 8am and 9pm.

week 4 extras/ One more reason NOT to get a credit card!

• the total American consumer debt is more that $2.7 TRILLION!!!


• There are over 1.3 BILLION credit card offers in circulation in America.


• 45% of Americans only make the minimum payments on there consumer debt.


• It would take 13 years to pay off the average credit card balance if only making the minimum payments of 4% at an average interest rate of 15%.


• A first time offense late fee can raise your interest rate as high as 34%.


• The credit card industry takes in $43 BILLION per year in additional fees.i.e. late fees, over-the limit fees, and balance transfer fees.


• Late fees bring in more that $11 BILLION of the $43 BILLION.