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Calling Them Finally Worked!!


I can’t believe it! I called credit card #2 and they actually reduced my interest rate! I sit here amazed. I’ve called them before and they wouldn’t budge. Perhaps they are noticing that I am very agressively paying off their card and decided they better do something.

They reduced the interest rate from 16.99% to 13.99% and my account was technically upgraded to a “new” card to get the new interest rate. It’s not a huge decrease – but it’s something and I won’t complain. Every little bit helps when you are in my situation.

Next step – figuring out my gameplan on how to play the balance transfer game so I can get the rates even lower 😉

A Few Updates from the Night Owl


It’s past my bedtime, but I thought I’d mention a few things while they are on my mind.

I haven’t posted as much as I would have liked to this week. I guess I just have been a little bummed about having to use my credit card to buy groceries.

But I am happy to report that just a few minutes ago I paid the amount back that I spent and I also sent some extra money to another credit card. Total debt as of this moment – $31,429. This time I made sure I left enough “fun” money in the account to stick to the compromise made with my husband 😉

I also wanted to warn everyone that there may be another make-over shortly. Although I like this template, the small width of my posts is making it difficult to post screenshots. I still owe a post about tracking cash in Quicken, but now I am having troubles getting the screen shots to post so you can read them. I am hoping to finalize the new one this weekend.

As always, thanks for your patience and thanks for reading.