Turns out that the answer to the question in my last post was predetermined by the Zales 12 months interest-free promotion that would be expiring on May 18, 2008. Time flew by so quickly; I had only been making the minimum payments and enjoying the finance-charge-free bills. I totally forgot about it. So, we still […]

Okay! I know it seems like I’ve forgotten about this blog, but I haven’t. I haven’t abandoned my mission to get out of debt this year. The time has finally come: I get paid tomorrow night and I will actually be able to put a good chunk of it to paying off my debt!
The past […]

I’ve read on a couple of debt-related blogs that it might pay to call up some of your credit card companies and simply ask for a lower interest rate. Could it really be that easy?
Last weekend, I spontaneously decided to try it. I told my husband to call the 800-number on the back of his […]