Not so good news on the credit score front.... which basically means that it went down this month. How much? Fifteen points. 🙁
But I actually expected it at this point. My balances are high, so my debt to credit ratio is f'd in the a right now.
Like I said, I expected it for now. Until I can start to get those balances down to reasonable amount, it's not going to be good. I have a year or two to get it where I want, and I'll be on my way there after I get some more disposable income to make a dent in it. Minimum payment plus $25 or so doesn't do much to bring that balance down. Needs to be more like minimum payment plus $100.
I was also trying to figure my taxes for this year and what I may or may not get back. I used 4 or 5 different sites and got 4 or 5 totally different estimates. Anything from a $300 refund to a $2000 refund is apparently possible. So I really have no idea what I'll end up with. Not to mention I have no idea yet what my goalsharing will be from work (assuming we're still getting one).
It would be nice to know these things ahead of time to plan on how to spend them. Is that so much to ask for? 🙂