Even though I'm on this site every day (and usually several times a day), I feel like I haven't been focusing on my finances as well as I should be. I find that instead of posting daily, I've only been posting two or three times a week, and I've lost track of some things I wanted to do.

So I went back and reread my entries from the first of the year, and wrote down the following things that I meant to do, but never got around to. I'll try to tackle these over the next week:

1) Schedule a date/time to get the kids passports. They sure don't make it easy, as both parents need to appear, or one must send a notarized letter to let the other get them.

2) Check out defensive driving courses. We held off b/c hubby's company usually offers them for less than AAA, but they haven't yet and the year is half over. So I'll check out dates and times and sign us up. Cost will be $120 for the 2 of us, but we'll get a $120 break on our (sky high) auto insurance for 3 years, so it's worth it.

3) Revisit 0% credit cards. I had one with a limit of $7500 that I transferred part of the HELOC to. I tried to transfer the rest of the HELOC to a Chase 0% card, but the transfer didn't go through (my fault, wrong address), and the 0% offer w/ no balance transfer fee was only good the day you opened the card. So I cancelled the Chase card. Despite getting 0% offers regularly, I haven't taken advantage of any others. I still have about $15k on the HELOC, and am paying about $110/month interest (at 7.25%, deductible), so I really need to get going with this.

4) Double check accident insurance rates. Hubby and I both have it through work. I need to check out other companies to see if our rates are competitive. I'll do the same for life insurance, although I checked that not so long ago...

I vow to get back on the wagon...

Two other thoughts as I look back and look ahead...For all of you who did the trial memberships, I've sent vouchers in after I've cancelled and have still received the $10 checks. However, for the last one I tried, I got a letter back from the company saying thanks, but because I cancelled they can't send the $10. Change in policy? Really alert customer service rep? I don't know, but for the $.37 stamps, I'll try once or twice more to see if it happens again.

Second thought: I started MyPoints on 4/15 and I already have 2800 points, primarily for filling out the surveys and clicking on all the emails they send. I need to look to see how much I need to redeem for a gift card, but that added up pretty quickly.