Net Worth

Good Info I've Collected

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- Kimmy: Still no money and we was suppose to be in the first round on the...
- pj: Penko, you really made me think this through and I think I have it! We...
- Penko: @PJ I was talking about the US in general, not just my region. The...
- pj: Tricia, maybe it is wise to move (part of) the emergency funds into the...
- Mike: There are still plenty of offers in the 3.1-3.75% range at safe banks,...
- pj: Penko, good point. Minor correction: Price times 4 = 2 times Prices times...
- Rick Vaughn: You must be using the “Secret”.
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The Fate of Credit Card #5

I’ve thought about it, and I’ve decided to keep Credit Card #5. I’ve had it for about 8 years now and I’ve been reading that you shouldn’t close credit cards from years ago. They are actually helping your credit score because it shows your credit history for those years (as long as you’ve been a good payer and everything).

So what I am going to do is keep the card for certain purchases, ones that I would pay off in full every month. There is no way that I am letting that card have a high balance again. And like I’ve said before, I don’t want to ever pay them a finance charge again.

Later today I will be calling to see if I can reverse the late fee. I’ll give it a shot