My glorious man

So yummy!

Contented and happy.

The three of us snuggling

Clever credit card reduction trick!

My dad found this for me. I don't carry credit card balances anymore, because I was lucky enough to get them paid off, and I dislike credit card companies with a deep and abiding aversion. But it's too good a trick to waste, so maybe it can be used by someone else. If even one person can use it to wrestle away a few of their dollars from those nasty guys, I will be happy:


"Credit card expert Marc Eisenson (www.investinyourself.com) found that you can
pay off your balance an incredible 75% faster by taking your regular monthly
payment, splitting it in half, and making half payments every fourteen days. So
if you're paying the minimum $200 a month, you instead pay $100 every fourteen
days. It works because banks calculate interest every day, and by getting the
money to the bank more frequently, you cut your interest costs. At first it
makes a slight difference, but through the years it makes an enormous
difference. Eisenson's technique also requires you to pay the same amount every
fourteen days, even as credit card companies begin to lower the required monthly
minimum. So more of each payment goes to pay down the principal rather than the
interest."


From "Get Clark Smart," pg. 70