It’s been a while since I looked at the stats for my websites. I know I don’t get a lot of visitors, but it’s interesting to see how the ones who do come around get here and other fun stats. Well, I noticed something interesting about the browser stats for this site …
Click to enlarge image
There are some smart people who come around here … 
dorky 
CSI: MiamiBack Story:
When I got the statement for my car loan for December, it said that the total due was $428.60 (which was the remainder of the loan). However it had a ‘Regular Scheduled Payment’ of $249.21. I’ve been sending in $250 every month … a little more than what was due. Since the ‘total due’ wasn’t normal, I called Wells Fargo. The lady I talked to assured me that I could pay the ‘Regular Scheduled Payment’ and NOT be assessed any late fees. And I asked her directly. So, I paid $250 online on December 17th (due date is the 20th).
Fast Forward:
I checked the status of my account online yesterday to see if it had any late fees (I was suspicious of what I was told 
) and to see what the payoff amount was (or at least an estimate of it). I saw that I was assessed a late fee of $10. Well … this pissed me off since I was told I WOULDN’T be. So, today at lunch I called Wells Fargo. I was prepared for the runaround, but didn’t get it. The guy who I talked to was VERY helpful. I told him the back story … that I had called, and when I had called, and all that jazz. He put me on hold to check on things. He came back as apologetic as can be that he had put me on hold for so long (it had been a while, but not too long) and said that I was a very good customer. He told me that he was going to put in a claim or something to have the late fee removed from my account. He put me on hold again and again apologized when he came back. Here I was all ready to yell and be pissy, and the guy didn’t even give me a chance … LOL. He said to call back next week Tuesday or Wednesday to check the status … to confirm that the late fee was removed. Yeah … it was only $10 … but it would go on my account as being late … when I WASN’T!!
I guess it pays to pay your bills on time. Yeah … I have a few more than I should (like credit cards), but I’ve always paid everything on time. I knew I had good credit when I got my car back in 2001. The loan officer actually came out and shook my hand … LOL. And this past summer, I got copies of my credit report … thanks to the Annual Credit Report website. Everything was in good standing. That makes a person feel good. The only problem is that my debt to income ratio leans a little too far towards debt … or at least it did a few years ago when I tried to get a loan to pay off my credit cards. I don’t know … maybe it would be better now. I mean, I only have 1 car payment left (and that will be paid on Jan 17th). And the balance on my credit cards have come down. I only use them when I REALLY need to … and only for food or gas. I hit a bump in that road when I was unemployed for a month back in September. But I’m back on track now, and since I’ll have an extra $250/month after my car is paid off … maybe I can get ahead. It sure would be nice to get ahead.
hungry 30 Minute Meals