Sitting around wishing that things would be better in my life has gotten me nowhere. So I am going to work on the things that I can change …. I recently read an article about interest rates and how to negotiate a lower rate on your credit cards. So I am going to give it a try. This week I am going to creat an Excel file that lists all of our debtors, the balances, the interest rates, and how much our debt is costing us each year (aka money that we are basically just giving away). It is not going to be pretty … but that’s okay …. I am tough. Then I am going to call all of our debtors and beg for a lower rate … oh sure … they are probably going to laugh at me, but I used to dress like a circus clown on crack, so I am immune to the laughter.
I am also going to take some time to sign up for http://www.creditsesame.com/ and start really tracking our spending.
I will let you know how it goes.