Quote From: marcia52Yesterday, I sat down with my check and wrote out my check for my 1 credit card and paid it off so I could transfer a higher finance rate balance to a 3.99%. It doesn't feel right - and I really had a hard time sitting down to do it. But I've spent 2-3 weeks going over my options and it makes sense. I will have lowered my finance charge by $15 a month by doing this. I won't ever use the paid off card again because they went from a 6.5% finance rate to 12.44% since March. The card company made it a variable credit card but they offered me a 3.99% balance transfer for the life of the transfer.
The hard thing was not paying a penny on the one credit card because it only asked for no payment. But I plan on making the transfer by 8/21/05 when I have worked out the remaining WHAT IFs variables.
I even put an application in yesterday to and had to deal with all the negative self-talk I have. I know I'm an excellent employee and that I will enjoy working closer to home and having the energy when I come home to do other things around my home. I'm really looking forward to becoming a home maker.
Hi Marcia - finally got my computer up an running and back online. I have been reading your logs. I feel very strongly that you are still beating yourself up over this finance problem. Stop it! Don't you know that when you fight with yourself - you always loose!!!
You have to calm down and take it one step at a time. If you foul up - ok - deal with it - don't beat yourself up. Some of the things you are doing I feel is ok, but others might be causing you mental anguish. True - it took time to get you where you were, but it's not going to be solved overnite - and I think that's what your trying to do.
Where is your biggest headache or problem - get that under control first - this seems to be your spending - do you REALLY know why you do it???
What are all the variables - list them. Rog
