Tuesday, July 22, 2008

Roxy's Bills IQ....Improving, But Still Definitely Lower Than My Real IQ


While my loyal Roxiticus Desperate Housewives readers may know that Rex cooks almost all of the meals for our family, something you may not know is that Roxy takes care of the bills. Both of us bring home the bacon, Rex fries it up in the pan, and along with never ever ever letting him forget he's a man, I am the one who maintains the family budget and pays the bills online

My parents, who made it through the hard times and neighborhood foreclosures of the Great Depression (just like Kit Kittredge!) through good old fashioned hard work, lived through the 1930s debt relief of FDR's New Deal, and instilled in me a hardscrabble approach to saving money. No matter how much money I earn, or how much the other Roxiticus Desperate Housewives might laugh, I will continue to clip coupons, use online coupon codes, and watch for sales at our favorite stores, encouraging the rest of my family to do the same. I consolidate debt in order to take advantage of the lowest interest rates on credit cards, and use those "magic checks" that come in the mail to find low rates on large balances until the balance is paid off. Then, to be sure to make my payments on time, I keep a spreadsheet of credit card balances, due dates, and records of my payments on each card.

While I believe I've done a terrific job of managing our Debt consolidation and don't need any debt help, there's a web site called BillsIQ that helps users to gain a better understanding of overall financial health and ways to improve your financial score. I've made enough mistakes, including stubborn battles over bills with Comcast and PSE&G, that my credit rating isn't where it should be, so I'm going to check out Bills IQ and see what kind of advice they have for a sinner like me.

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