A thank you

I have to give praises to google's help center for blogs. I've been having trouble for ages with the format/options etc for my blog and I posted there last night.

A lovely Level 4 named DavidChin told me how to fix it and boy do I feel like an idiot. I merely had it set on 'edit html' instead of compose. I clicked there and voila!! It's all better now.

Thank you google help center.

A few more goals completed

Thanks to the extra on my cheque this month I was able to max out my $1000 goal for Summer 2010, bump my EF to $1150 and begin on my RRSP 2010. It's nice to see some of that starting to fill in across the bar.

I have spent just under $200 thus far of my $1000 for Christmas. The money is going very fast and I need to sit down and think before any other expenditures. I really don't want to go over and have to tap into another fund or cut into my snowflakes for this month. I am aching to see that consolidated loan get down another 'decade' and be in the $4000s left owning instead of the $5000s.

Go Riders!!!!!!!!!!!

Ok I totally had a lil image here to put in and I see that that is ALSO an option gone from my 'new post' options here on blogger. Most frustrating!! I had finally figured out how to work the old system and I have no clue how to add pictures now. *pout*

On a separate note, for all those watching the Grey Cup, just wanted to give out my little shout today for the Riders. It's been a Sea of Green here since last weekend and there are Grey Cup parties abound.

Happy Grey Cup Day and Go Rider's Go!!

Ok maybe one of YOU knows....

Some of you may roll your eyes and say 'ohhh Jolie you foolish foolish girl' but I'm going to ask anyways because my knowledge is limited on this.

I have a consolidated loan which comes out of my account the 26th of each month. The payment is just under $600.

Approximately $510 of that payment is principal and the rest is interest.

I have been slamming lump sums on there to bring it down and thus the months I do that, more than $510 comes off when the next scheduled payment comes out. (The interest I am 'saving' I presume?)

Is there a time of the month where it is SMARTER to put down the lump sum? Does it matter? Do I 'save' more interest if I put lump sum money down at the beginning of my month instead of closer to the end of my month?

Advice would be super.

Thankssssssss

wheeeeee

Regular payment came out for the consolidated loan and I am now under $5500.

wheeeeeeeeeeeeeeeeeeeeeeeeee