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Federal Refund and Car Loan

February 25th, 2013 at 07:05 pm

Ahh.. today I received my federal refund - $1936. That plus the state refund plus what was already in there ... wish I could just leave it all in there and keep seeing those numbers. Smile But, alas, I'd rather pay as little interest on my car loan as possible, so a payment of $2300 will be heading off to the CU as soon as it's March. (I'm holding part of it back to put into my Vanguard Traditional IRA to bring it up to $3k.)

Speaking of the CU and the car loan. Smile I received a statement from them with my latest numbers. It said I have a balance of ~$4200 (don't have paper in front of me) and that I don't have a payment due until July. Big Grin Wonder what they're going to think when they get my next check? Big Grin Big Grin

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I'm at close to 4,600 Swagbucks now. Today when I saw the daily goal, I almost said forget about it! But I'm glad I didn't. Somehow I've now managed to get 9 of the codes, even though I didn't start trying til after 4:30 p.m. MST. I think there is one or maybe two codes still left. I need 4,750 to be able to get my March 5 $5 AGCs AND a $25 AGC (or maybe Paypal cash). I'll more than likely be able to do that by Wednesday. Nice. Big Grin

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Work was pretty busy today. I found out some sad news. Like Monkey Mama says, cancer s*cks!! My friend and co-worker who is the IT person at our school has stage 1 lung cancer. Frown She's taking chemo pills right now, and is scheduled for surgery the last week of March. I asked her if she wanted others to know - so they wouldn't nag her/complain about how much work she's getting/not getting done - but she didn't want anyone's pity. I understood, I just hope that people don't go hard on her.

She's had lots of offers already of people willing to help her out, and stay with her when she has to do the regular intravenous chemo. Right now she thinks she wants to do it alone ...

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Friday is Dr. Suesss' birthday, so I'm celebrating it with my K - 3rd students this week. Today I read Green Eggs and Ham to both K and 3rd. My K's repeated every line after I read it, and my 3rd's read every line with me. Big Grin Both groups loved the book. Smile I also read part of Cat in the Hat to my K's - I hadn't read it in a long time, and didn't realize how LONG it really is. Wow.

7 Responses to “Federal Refund and Car Loan”

  1. creditcardfree Says:

    Nice job paying your car loan down fast!!

    I now have over 2500 Swagbucks. I'm debating weather to just get the $25 Paypal, or save for March AGC. I think I just might want the cash! Smile I know I won't have any problem getting the AGC's in March, so might as well get the cash now, rather than accumulating it in March. The referrals and those entertainment now videos this weekend really piled up!

  2. FrugalTexan75 Says:

    Thanks! Smile
    I did a kind of large offer a few weeks ago (`1100 sbs) which is rare for me to do ... so I'm happy to be so far ahead in ensuring a $25 AGC payout, but I'm not holding my breath that the trend will continue. Although the SBTV Mobile app sure has helped to up my chances! Big Grin *I deleted the Enow email when I stopped Friday night. I saw on FB that some left the email open, slept, and then still were making SBs off it ... oh well.)

  3. LuckyRobin Says:

    I'm sorry about your friend. My BIL died of non-smokers lung cancer. It was one of the worst cancers I've ever seen. I hope that in your friend's case it was caught early and she will recover.

  4. CB in the City Says:

    At least it's stage one. I'm wishing the best for her.

  5. Merilu Says:

    With regard to your CU statement about the car - they are posting it as a monthly payment, not as an extra payment to principle. You might want to consider letting them know the extra is for principle or your next big payment will show you paid way ahead. By doing it that way, they collect all the interest! Happened to my son until he straightened it out.

















  6. snafu Says:

    I hope you make it a priority to contact your CU loans officer. At the moment you are not reducing your principle and thereby reducing the total amount of interest paid, you are prepaying your loan.

  7. FrugalTexan75 Says:

    Thanks everyone. I had an aunt die of non-smoking lung cancer - but hers wasn't caught so soon.

    In regards to my car loan. If I'm reading the statment corectly, they are putting the extra amounts towards the balance. For example, the $850 payment, $836 went to the balance, and the remainder went to interest. However, on the same statement they said my next payment wasn't due til June (I think.) So it might be a good idea for me to call and double check.

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