Wednesday, February 09, 2011


Wow, I haven't posted since December?! How did that happen? I'm a slacker. A few interesting things have occurred since we last met.

I paid off my credit card debt on January 11! After I saw the $0 balance, I changed my automatic payment option to "Pay Off Balance". Even though it pains me to even think about using it, I will likely try to use my card once every month or so just to keep it active. However I want to make sure I never carry a balance.

On January 18, my credit card company deducted $1717.08 from my checking account. That was my balance at the beginning of my last statement. I went to use my debit card and was denied. When I checked my online account, I saw that I was -$500. I called my dearest credit card company and was told that the "Pay Balance" option used the balance at the beginning of the statement and didn't take into account any payments made during the statement period. I was also told that my refund would take 2-3 business days to clear. January 18 was a Friday.

On January 20 I got a $35 insufficient funds fee from my bank. I called the credit card company and they said they would credit it back to my credit balance...? Um, no. I would like it credited back to my bank account.

On January 25 I finally get my $1717.08 back. I also check my credit card account and notice I've been charged $4.82 interest. I paid this off immediately.

On February 3 I get my $35 fee refunded to my bank account. I also went out and purchased a new laptop.

February 4 was my birthday. I had a lovely day.

There's a whole lot more going on with home improvements, refinancing and travel plans for the upcoming year - but that can wait for another post.