Jacob Santos

Sweet! I think I’m going to have the rest paid by the end of this month. The reason for paying it off so quickly is twofolds. The first is because I had basically had no money if any emergency came up (car breaks down, get sick, etc). The second is so I can raise my credit score and get a lower APR on a car or mortgage loan.

I’m planning on maybe getting a new car sooner than I had anticipated, I’m still not 100% sure. I backed out of my previous one since I realized that a little over 620 Equifax, would get me around 13% APR vs. 19% or 17% (which the guy brought it down to finally). Besides my car should hold out for another year, so I’m not concern at this point. However, the probability of it breaking and needing a new car does bother me.

I’m going to live at my mom’s until next year. If I have the money saved up and still have my job. I would love to stay at my job for as long as possible, but shit happens, whether good or terrible. I’ll be more secure when I’m at my job for at least a year. Until then I have to live like any day I could come in they will tell me not to come back. Even after that, the job expectancy of a developer will come into play.

From my reading, I have to expect the inevitable at some point. I had a conversation about it with my sister. She was pissed, but I told her it is expected. I want to be a game developer at some point and most developers that aren’t part of the company usually average at 9 months. I know that everyday that I wake up and can get paid to program is a day I’ll be happy. I still can’t believe it. I’m a professional web developer, who would have thought? Not me, so I’m happy.

I’ll still have my plans, which I will eventually accomplish. my room real estate is running out, with all of the crap I have crammed in it. Not moving out seems less of an option, unless someone finds out how to expand space. Well, my mom says see is planning to move down to Arkansas, but I’ll rather not stay here.

I’m planning on buying a small house. If not, then I should have enough money saved to buy a trailer. My sister brought up the idea of buying a house and having equity in it, which would look far better than credit cards.

A house doesn’t have to be something you stay in until you pay it off. Which is nice, until you go to sell it and learn that you paid too much for the house and can’t sell it at the same price you bought it. However, with a trailer, I’m not going to get an equal return anyway.

However, I still want better credit for when I do go to buy the house or trailer. Keeping my cards and loan in great standing for a year would look excellent on my credit report. What I found kind of funny is that I have almost 700 credit score for Experian and thought of a joke, which was to move to an area that uses Experian instead of Equifax to get a better rate.

I took a look at my Equifax credit report and credit score June 18, so it will be another couple of weeks before everyone releases June information. They probably won’t report that I’m at my current level, but I’m hoping that when I check it in August, that it will show that I’ve paid all of my cards down.

The next area of business is paying off my personal loan, which for July, my plan is to get it down to under $1500. Keeping the loan, helps me more than having my credit cards maxed out. So my focus switched over to my credit cards, but once I pay them off I can focus on my loan again. I hope to have it paid off by the end of August to the second week of September. Sixty USD a month, my ass! I’ll show them what I think of 28.9% APR!

(A sign of good news is when my credit card APR went down 2 percentage points, from 19% to 17%.)

I’m well on my way to building a new computer (or two) for the Fall. Paid off my TV, Paid off my Media Computer, and will eventually pay off my car repair from two months ago.

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