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Home > First Spend of November, Strangeness, Good news for NE
 

First Spend of November, Strangeness, Good news for NE

November 6th, 2015 at 05:15 pm

Today I stopped by the grocery store after work and picked up some fruit and and an Amy's meal. It's gotten cold here (today!) and so I wanted something warm and easy. Smile

Spent $9.98 and didn't pick up any sweets, etc. Smile

When I was checking out, the cashier said, "Hi neighbor!" I had to do a double take - and realized that he was a neighbor I met a couple weeks ago in the laundry room. He and his gf live in the apartment above me.

--
Something kind of strange at work today ... about 4pm my boss calls me to her office. She tells me to go ahead and log off the phone at 4:15 and head out without saying anything to anyone or turning lights off, etc.

There was someone in the office with her, otherwise I would have asked what prompted this.

Instead I just said, Ok ... thank you!

I sure don't mind getting off work 15 minutes early. Big Grin

--
NE called me this evening to tell me he finally sold his car! It's been sitting on Craigslist for 6+ weeks with progressively lower price. It sold for $300. He's just glad to be done with it. (A 2001 Subuaru Imprezza?? with lots wrong with it.)

Another piece of surprising news - we checked his credit reports last night and paid for one credit score. The number was MUCH higher than either of us expected.

We talked about him getting a Paypal credit card to add a revolving account (he's got lots of installment accounts - i.e. student loans) to improve it even more.

I'm now very curious about how our two credit scores would merge together for when we're house hunting next year. Do they just average the two scores?

---
I'm leading the SS discussion tomorrow. WAY WAY WAY out of my comfort zone. The only reason I said yes was because the person who usually does the first Sabbath discussion was in a major car accident a few weeks ago (is out of ICU now, but still in hospital - will be going to rehab next week possibly.)

It's about Jeremiah and the different symbols / symbolisim used in the Bible - such as the clay and the potter. It's a topic I really enjoy, but the breadth of what one weeks lesson covers ... Ugh. I much prefered the SS lessons for the early primary age kids - simple story, simple activities connected to it, a couple of songs.

Am hoping for a SMALL group.

13 Responses to “First Spend of November, Strangeness, Good news for NE”

  1. VS_ozgirl Says:

    Good luck for your SS discussion!

  2. alice4now Says:

    I bet you will do just fine on the SS discussion, it's just a little out of your comfort zone. With your teaching and research background, I'm confident it will be very enjoyable!

  3. CB in the City Says:

    I think you will end up enjoying it, too! I also had an experience at work when I was told to leave early -- the reason turned out to be that three people were fired that day and they didn't want anyone to overhear any ruckus.

  4. MonkeyMama Says:

    Yay for good news! Good luck today!!

  5. creditcardfree Says:

    Credit scores are not merged. I know banks pull them for all applicants. Ours are close. My memory is we were told they take the highest one, but that would have been nine years ago.

  6. FrugalTexan75 Says:

    Thanks everyone. Smile
    Alice - Teaching adults is WAY different than kids. In front of kids I have no issues, in front of adults ... stammer .. stutter ... freeze

    CCF - Really? Then it doesn't matter what NEs score is as long as mine is in the excellent category? I guess I had heard/read somewhere that when you're married your credit scores affect each other somehow.

  7. FrugalTexan75 Says:

    Well ... I ended up not doing the SS discussion after all. When I got there, the person I was supposed to be doing every other first Sabbath with was already there and setup. He apparently didn't get the email saying I couldn't do the 1st Sabbath in December (doing the SS $ pickup). I happily let him do his thing. Smile

  8. scfr Says:

    Times have really changed since the last time DH & I applied for a mortgage, but way back then they checked both of our credit scores. Our scores were really close.

    I missed the news that you and NE would be house hunting together . . .

  9. FrugalTexan75 Says:

    Scfr - We're waiting til August when I've got 2 years in at my job here. (Also more time to save for the downpayment.)

  10. MonkeyMama Says:

    For credit scores, if you apply jointly, a lower score could negatively affect your interest rate or the kind of loan you can get. I don't really know the details since my dh and I have the same credit score. So just no personal experience in this area and no reason to learn about it.

  11. MonkeyMama Says:



    Granted, this article is 5 years old, but I think it's a good place to start.

  12. MonkeyMama Says:

    http://www.kiplinger.com/article/credit/T017-C001-S001-when-one-spouse-s-credit-score-is-lower.html

    For whatever reason it won't let me post the link??

  13. FrugalTexan75 Says:

    Thanks MM - From that article it looks like the look at the lower of two scores when applying jointly. So if we can get his up to 740+ by August, we'll be golden. Smile (From what I've read, 740 is the highest that lenders actually look at for interest/scoring - above 740 is just gravy/insurance for fluctuation.)

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