Changelog

Sure!

Another update, a payment scheduled for Monday or Tuesday should clear off one of the credit cards and I will achieve the goal of cancelling it next week.

The 5 most important factors to determining your credit score are:
Your payment history
The amount of outstanding debt you have compared to your credit limit
Your credit history
The types of credit you use
Negative information

Craven -- get that Discover card. We've been putting nearly everything on it for a few years now. Groceries, clothing, medical expenses, eating out, trips, etc. We get several hundred dollars a year back on it. Definitely the best card to have. Some places won't take it, so we still keep a Visa card handy for those times.

Keep the Best Buy card--you don't have to use it.

Eva wrote:

Craven -- get that Discover card. We've been putting nearly everything on it for a few years now. Groceries, clothing, medical expenses, eating out, trips, etc. We get several hundred dollars a year back on it. Definitely the best card to have. Some places won't take it, so we still keep a Visa card handy for those times.

Yup, tis the plan. I don't use paper money so it should be interesting to see what kind of cash back I get.

I'm just trying to decide on whether I want their 2% on everything card or their gas or restaurants one.

Rewards: With this Cashback Bonus program, you will earn a cash award on all qualified purchases, up to 5% of each gas purchase and up to 1% of each other purchase, based on your annual level and type of purchases, with your first $1500 in purchases accruing awards at 5% or 1% respectively. You will not earn a Cashback Bonus award on annual gas purchases in excess of $25,000. Transactions must be sent to us under merchant category codes 5541 and 5542 to qualify as a gas purchase for purposes of calculating your Cashback Bonus award. For purchases made at select warehouse clubs, discount stores and their affiliates, you will accrue a cash award at a rate of .25%. Get up to 10% Cashback Bonus award when you exchange your total cash award for up to double the amount in gift cards or certificates from our Cashback Bonus Partners. Award is redeemable in $20 increments. Other restrictions apply. You will receive complete Cashback Bonus Terms and Conditions with your Card.

I've made some changes and the overall life experience has been better.

I returned to salsa dancing lessons, to playing soccer once a week, I will start italian lessons on the next week, I picked up reading again and I asked for more duties around the house... it's going well.

JoeFX wrote:

I've made some changes and the overall life experience has been better.

I returned to salsa dancing lessons, to playing soccer once a week, I will start italian lessons on the next week, I picked up reading again and I asked for more duties around the house... it's going well.

Way to go! I can't dance to save my life, but am considering that as a goal (it would be a tough one for me, since dancing feels so stupid to me when I'm the one doing it).

Soccer is a good one too, I took a break at work today and was kicking a ball around in the parking lot (I carry a basketball, soccer ball, tennis balls and racquet, clothes shoes etc in my trunk so I play sports any chance I get).