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credit card cha cha

January 27th, 2006 at 08:57 pm

Yes, I danced with the credit card companies today. I received the new card yesterday, the new one with the LOW interest rate & balance transfer deal. So, I moved the #1 card balance with the HIGH rate..........and most of the #2 card with the medium rate to the new card, which will be called the #2 card from now on.
This leaves me with 2 cards, both with the new lower interest rates.
I am paying off the balance that we couldn't get moved to the new card today.
Feels good to complete this project, it did take some time but didn't cost anything and I am making money with the switch.
I made detailed notes of all the changes & will enter the new account into my bill payer info on line. Changes like this tend to come back & bite me if I don't really keep track of them. With the recent move & refinancing and other real estate dealings, there were plenty of accounts that got more than a little messed up.
I will use the new system of paying minimum on all but card #1 & put as much as I can on it each month until it is paid off. I still think I'm on track to get them all gone in 2006.
All meals at home today..........leftovers & freezer offerings.
Still waiting on the first payment for the pasture lease. Will need to purchase the extra insurance as soon as her paperwork comes in. The monthly payment will cover the insurance over time..........but I will have the initial premium to pay up front.
I am getting the benefit of having horses here, without the expenses! I think this may be enough for me!
I'm getting the new wood stove today.....and I've got the older one advertised on Craigs list. Two people are interested in it.......hoping one of them comes through. I don't have to sell it right away, and I do have room to put it in the shed, so I think I'll just hold out for my original price of $950. That would pay for half of the new stove!! It lists for $1300 online, so it is still a bargain & I think I have it priced right.
Got another great offer to advertise my sewing/alterations to a group of local people. I will commit to getting the business cards done this week, so they are ready to give to my latest connection.
Have received a couple online inquiries about the new business........but no appointments as yet. Patience!
Have questions about the latest challenge.........the IRA/Roth bit. Not sure what I'm doing in this area. Think I will call my person with Schwab next week & see if they have answers for me.
Self employed........can I even do one of these?? If so, why haven't I done it before??
Since I contract with the state, I am going to check to see if I can access the states credit union, or if they have the IRA option for us independant contractors. Worth a shot.
Checked with our local power company for the energy audit someone mentioned here. Ours is $90.00. Used to be free. I'm not sure I could re coup the money, so don't think I'm going to pay for the service. I did read their online tips & only found one I wasn't doing..... I don't have the foam gaskets on outside wall switches & outlets. Will do that soon.
Also noticed cool air coming up from the floor vents. Since we don't have a furnace hooked up.........I should find something to cut & block all these off. I am thinking this would make a huge difference to the temp inside. Will do.
Enough rambling.......need to get up & work to stay warm. I can't light a fire, since the stove needs to be removed today! Chilly in here!
Just ordered the business cards & finished 2 of the on line bank accounts with auto deposits in each. One more to go!

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