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Beer Sausage & FICO & Little League

December 13th, 2008 at 06:21 pm

We had the BEST dinner yesterday.

I will have to post a link to the recipe once it becomes public. (OR I could type it up later). Got it from our Taste of Home mag.

Anyway, essentially, boiled sausage in beer. Sliced it up and fried it in butter. Layered somehow in a casserole dish with sauerkraut, tater tots, and cheese sauce.

Anyway, could do without the tater tot/cheese part.

But the sausage was DIVINE!

I am a pretty picky eater and not very fond of new foods, so I Was kind of, eh. & then I tasted that sausage - had died and gone to heaven!

Just so completely unexpected that it would be THAT good.

The kids preferred the taters so maybe it works for us. LOL. They can have that; we'll eat the meat!

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The refi is moving along.

Dh and I pretty much run a 800 FICO with all 3 credit bureaus. (Got the reports back from the lender). Had some 790/810 scores.

I've been seeing lots of FICO posts. So I have to say again, as usual, length of time is not EVERYTHING with your FICO. If you have a good score, and a mortgage, I wouldn't sweat old credit card closures.

We do everything wrong FICO-wise. IT doesn't matter.

In 2003 we opened a new card and had closed all our old ones (going back to 1993). We opened another card in 2006. We opened some more in 2007 for our balance transfers, but will close those this year.

Sure, we have a few years history now, but our FICOs were still in the 800s in 2005. The credit cards seem to amount to a hill of beans, compared to our timely paid mortgage. & even then, none of our individual mortgages had been held very long, at that point. 2 years max?

Anyway, last 2 years we opened up a bunch of credit cards, in both our names, and maxed them out. For the 0% balance transfers. Paid them back and within 2-3 months our score was back to 800. (Down to 760, at worst?)

Even with my ID theft ($30k charged and maxed out in a day; numerous inquiries), my score never dropped below 700.

I think once you build some solid credit, it takes a LOT to sabotage it.

My personal experience. I think it's ridiculous how scared people **in our situation** get to close old cards. Just close them already! They're just a liability. My recent ID theft experiences make it so that I prefer to have less outstanding accounts to keep an eye on.

& if you WANT to keep open those old/unused cars, well, I guess you better get charging. That's another story...

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Just signed up BM for Tee Ball. This will be interesting! Dh and I are NOT sports people. BM clearly is. HE is, like, coordinated and stuff. HE did not get these traits from us. From other generations I guess. Wink

As such, I have no idea what we are getting into. We can charge $125 next month. Starts March. We have to buy some uniform stuff too. Seems reasonable enough.

I would say that I don't think LM is going to be into sports. BUT, since he has to do everything BM does... Who knows.

& so it begins!

4 Responses to “Beer Sausage & FICO & Little League”

  1. Ima saver Says:
    1229200424

    You know what, I was told my score would improve if I had a mortgage. The fact that my house has been free and clear for 30 years doesn't count at all.

  2. Ms. Pearl Says:
    1229213413

    welcome to the world of kids sports. It is a very expensive world.

  3. monkeymama Says:
    1229268081

    Ima - I think I remember you mentioning that. Gives me hope that our score will stay high once we pay off the mortgage. That always bothered me a bit. (On the flip side, it's kind of like, does it matter? What our FICO is when the house is paid? Probably not much).

    It certainly dramatically increased our score in the first couple of years, but we were quite young when we bought. I guess all our other credit and history will account for something when the mortgage is long gone. Good to know.

  4. monkeymama Says:
    1229268309

    P.S. Ima - I got into a giant debate with friends who were convinced you HAVE TO have a car loan to build credit. I told them my score was in the 800s and I had never had a car loan in my life. One of them told me well her friend was some financial expert and he told her so, so it must be true. LOL. & I am like, "I am telling you, I have an almost perfect score and have NEVER had a car loan." But they just thought I was lying or something? It's just sad that people think they have to borrow money to have a decent FICO. A credit card, paid off every month, on time, for a few years, will pretty much do the trick. For a good FICO score.

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