I picked up the spring edition recently.

Fyi it contains the following coupongs:

SoyJoy Save $1 off any 5 bars expires 6/30/10

Benefiber Save $2 off any product expires 6/30/10

Ace Braces & Support Save $2 on any expires 6/30/10

Biotene Save $2 off any expires 6/30/10

Here are some links to help you:

• Monitor Your Credit
• Get Your Credit Report
• Get Your Credit (FICO) Score
• Dispute items on your credit Report

https://www.annualcreditreport.com/cra/index.jsp  * This is the only FREE Annual Credit Report Site* You, by law, are allowed to get one free credit report from all the credit bureaus and you can do so from this awesome site!

https://www.creditkarma.com/   *This site gives you, your Free Credit Score* It doesn’t impact your credit, by checking this. However It only pulls information from one credit bureau, so your credit score may differ from the other credit sites.

https://www.experian.com/consumer/cac/InvalidateSession.do?code=DISPUTE  *Experian-Dispute an item on your credit report

https://www.ai.equifax.com/CreditInvestigation/jsp/ECC_Dispute_Login.jsp  *Equifax-Dispute an item on your credit report

http://annualcreditreport.transunion.com/entry/disputeonline    *Transunion-Dispute an item on your credit report

Personally, I order my free annual credit report every year. However at least once or twice per year, I pay for a credit report as well. You may or may not, need to do that. Why do I do that? I do it because I am aggresively paying off debt and need to check it frequently to monitor it. But, also I do it because I had a situation happen last June. I had checked my credit, which I hadn’t done in about 7 months. It turns out my credit report got merged with someone else’s!!! Apparantly, her social security number and mine, were very similar! I must say it was a BEAR to remove the wrong informaton. It took about 4 months, a lot of phone calls, letters,etc, but I got it cleared off!

I bought 14 Cover Girl Mascara !!!! I only paid tax! They were b1g1f + I had a CG B1G1F coupon. Rite Aid has an awesome coupon policy that allows you to use a b1g1f coupon in addition to their store sales–essentionally making them free!

Gotta Love stockpiling

Happy Friday!!!

~*Mrsfrugalista*~

I got a free $25 Gift card when I transferred my presciption to Rite Aid. So, this was all free!

I headed for their clearance department and here is what I found!

Bratz Playing Cards @ $.82

Elmers Glue @ $.64

Elmers Gel Glue @ $1.19

I Carly Trading Cards @ $.99

Maybelline Mineral Liquid Foundation @ $2.37

No Coupons used!

Total: $6.01!!!

Still have $18.62 left on my gift card, so we’ll see how far it will take me!!!

Kotex

http://www.kotex.com/na/free-sample Pick from four different sample packs

Carefree

http://www.carefreeliners.com/special.jsp Free $.50 printable coupon

Tampax Pearl

https://www.pgeverydaysolutions.com/pgeds/tampax/brandsampler-login.jsp Free Sample

Another Shopping Trip today at Walgreens!

3 Kotex Pads @ 2.99 ea

1 Revlon Eye Shadow @ 4.99 ea

1 Phys Formula @ 3.24

6 Snickers Bar @ 2.94

Total: $20.14

-2.00 (kotex)

-$1 (Phys Formula)

-$5 (Revlon RR from last week)

-2.00 (2-snickers)

Total: $10.14 OOP + Received 5 RR for the kotex

I work in the mortgage industry. I wear many hats, so to speak at my job. But, my main responsibilites are being a Loan Closer and Post Loan Closer. If you have no idea what that is…

What is a Mortgage Loan Closer?

The “OFFICIAL DESCRIPTION” is below.

Schedules loan closing and compiles and types closing documents: Reviews approved mortgage loan to determine conditions that must be met prior to closing, such as purchase of private mortgage insurance. Calls borrower, real estate broker, and title company to request specified documents, such as receipt for payment of outstanding tax bill. Verifies accuracy and consistency of specifications on documents, such as title abstract and insurance forms. Calls borrower, broker, and other specified individuals to arrange time and date for closing. Answers questions regarding closing requirements. Enters numbers and calculates loan interest and principal payment, and closing costs, using computer or factor table and calculator. Types closing documents. Assembles documents for delivery to title company, real estate broker, or lending officer for closing. Records loan information in log and on government reporting forms, using computer. May compile closed loan forms for delivery to marketing department for sale to investors.

Thank you to: http://www.occupationalinfo.org

I do all those things, as well as other things for loan officers and for the loan processor. Thats what happens when you work for a small company.

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I have seen so much while employed in this line of work. I see good loans, bad loans, wise loans and others… I see borrowers and how some people use up all their savings and even their small checking accounts just to get in that house. I feel bad for some people. They really want a home so bad, and I understand that. But sometimes its better to wait until your financial situation is better. 

On almost a daily basis I receive certified letters in the mail regarding a home being foreclosed. I sometimes wonder if just maybe a borrower waited a little bit longer, until they really could afford the house before getting wrapped in a loan.

Some borrorwers go from no rent (living at home with parents) to have a $1500 or more monthly payment. That is a huge payment shock. There are people who live paycheck to paycheck with very little savings and then get a loan. I feel bad. I just wonder if they will make it in the long run.

Are you wanting to be a Homeowner one day?

I have some advice for you that I hope will help you achieve that dream.

1. Get a copy of your credit report. Monitor it frequently!!!!! Always be on time with your payments. Please know that every late payment (over 30day or more) leaves a mark on your credit report and will remain for 7 years!!!!! If for some unforeeable circumstances causes you to be late, be prepared that when you are trying to get financing for a home, you will be most likely required to write explanations for Each and Every Late payment!
2. Know Your Credit Score! Do everything in your power to get the highest score possible. It will help you obtain a Low rate! Just a FYI: Most investors require a Credit Score of 660 to be approved. So, please aim at least that or higher.
3. Renters— If you have an apartment. For two years preceedings your loan applications you will need to save every copy of your check that you paid for rent. If you paid with Cash or Money Order, get a receipt EVERY TIME. You need to show proof of payment. If you just rent a room in a house, try to get a receipt. If you cannot get that each time. Then, make sure you withdrawl the same amount of money every month, so you can prove that was for rent and the amount is consistant every month.
4. Before you apply for a loan, make sure your drivers license address matches your home address! You wouldn’t believe how many people use their parents address, old address… But, it really can complicate things. Make the process easier, and Change the address and keep it current!
5. Save Your Money! Start savings as soon as you can for your down payment and Closing Costs. It costs more than you think. You will want to put down as much as you can! If you wanting a FHA loan, you will need a downpayment of at least 3.5%.
6. Please educate yourself on the process. It will help you so much when you are finally ready to start the process.

Happy Savings!!!!

~Mrsfrugalista

I decided to take advantage of the awesome 40% sale of Revlon, as well as use my Register Rewards that was expiring on the 17th.

Here is what  I bought:

1 Revlon Colorstay Mineral Mousse Foundation @ $8.39 (regular priced at $13.99)

1 Revlon Perle eye shadow @ $2.99 (regular priced at $5.99)

$11.38 total

-$1.00 revlon coupon

-$1.00 revlon coupon

-$5 Register Rewards

Total $4.38 + tax Out of Pocket + I received a $5 Register Reward for my next Revlon Purchase

Total Retail Value: $19.98~I saved almost 80%!!!!

Christmas 2010 is now up to 51% (up 1% from last update)

Emergency Savings Fund up to $30.4%

Debt Payoff 30.4%

Steady progress is the best