Student Loan Rehabs

I know some folks have student loans to contend with, so I wanted to be sure that you knew that July 2015 rehab loan repayments will be calculated on income, NOT owed debt. You will need to check www.gshloans.com payday loans online service if you qualify since there will be rules and regs etc depending upon if the student loan is federal or private.

So this may provide some relief for some folks – I hope so.

A timely reminder

since I reviewed a couple of bills and found out a payment had been skipped and so I had a bunch of late charges that I shouldn’t have been billed! (I have proof the bill was paid on time) – always good to double check so thanks for the reminder!

No you aren’t

I’m just as guilty as the next person about forgetting to check our bills. In fact this bill might have gone unnoticed by me because it’s one ds and I alternate on and it was his month to pay it. He didn’t have time to get online for it before he left Monday and didn’t want to chance paying it from the hotel so he wrote me out a check to deposit in my account to cover it for what he thought it should be and when it was higher I went reading.

Thanks for the reminder

For me, this means that I actually need to go on line and view a bill or two which is something I definitely don’t do a monthly basis. Surely I’m not the only one who has bills on auto-pay or auto-pilot and rarely looks at their bill digitally.

Most folks on this list are very good

about remembering to actually READ their bills when they come in, but sometimes we forget to read our utility bills. So it’s time for a reminder.
Read what you are being billed for with every bill you get.
My reading of the Sprint bill this morning just saved us $40. I had been charged an activation fee on a new phone, only I didn’t get one. Ds did because his died, so I was expecting the $36 fee for his, I was not expecting a $40 on my phone. They aren’t sure why we got charged for two, or why mine was $4 higher, but they immediately backed it off.
It dawned on me with the holidays coming up a lot of folks will be getting new phones and such, so I thought I’d remind you to read your bill to avoid such problems for yourself.
Also a reminder to watch out for your energy company adding their annual “share the wealth” billing to your bill without your permission (many companies require you to “opt out” instead of in on this program). We’ve discussed this program previously on this list about how it does not go to help those who need it as the name indicates, but in fact goes directly to the power company to cover deadbeats of the past.
It is a good idea, however,especially this time of year, that if you know of someone who is having trouble with their utilities you get their account number somehow and give the “gift” of paying on their exact bill to pay it forward. No one should be cold.

Whenever I am calculating dh’s paycheck

I consider 1/3 of whatever he earns going to both state and fed taxes along with other deductions like 401K, insurance etc and it’s usually pretty much dead on. So if all you are having taken out are the taxes then 25% should be close, however your tax rate runs higher than ours on the state level.