Saturday, March 15, 2008

Second-most important blog p0ast of the year!!!11!

Ok, so this is not going to be as exciting as the Big May 1 Update (TM) - you know the one where I am going to take all the money in my savings account and pay off that 0% card before the interest rate starts on it - but it is almost as big. Ready, sports fans? Here come the highlights:

1) Because I have enough in my savings account already to pay off the 0% card, I've been able to pay down some on the remaining cards. Remember, at this point the only cards I have left were locked at 5.99%, 3.99%, and 2.99% respectively. So I focused on the highest of those, because its rate is higher than my savings account interest rate and so it's still better to pay it off fast.

2) I just paid that card off today :)

3) That card was held with a card-provider that I hate and the only reason I had opened it or kept it was the fixed-rate-for-life balance transfer offer. Everyone I've ever talked to at that company has been a giant a-hole, including transgressions like repeatedly spamming my email account with offers to "go paperless" but then not letting me sign up for it because "my particular account was not eligible," insisting upon sending me those blank balance transfer checks in the mail even though I requested on like four occasions that they not do that (I hate having that kind of shit floating around in the mail), and not lowering my rate or increasing my limit when I asked them to. The only time they've ever tried to be even slightly accommodating was when I was closing the card (I had a different card with them a long time ago and they did the same thing). They tried that again today, and I told them to eat me. Just kidding. I was actually very nice to the lady on the phone, but it did feel GREAT to enumerate the problems I had had with the card/company and close the card. The lady even congratulated me on paying off one of my credit cards, and said she was working on doing the same thing herself. It was really nice. :)

3) Speaking of paying things off, it's been awhile since I p0asted a total update figure, since I have been mostly saving and not making huge payments and the update figure hasn't seemed to grow very much. I was going to wait til May and just p0ast one huge update figure, but then I calculated what it actually was at this point and it looked so awesome I wanted to share it. Are you ready? *drumroll*

.... total debt paid since November 16, 2007: $7418.21


Plus there's still the big chunk left in the savings to pay off that %0 card by May, so look for another huge update in April! I'm feeling pretty proud of myself at the moment, and I'm going to go eat a celebratory quesadilla. Thanks for all the encouragement so far, and keep it up! There's still a ways to go :)

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