Let's collect and report our Neptune/Chiron/Pisces experiences this week here

[MorningGlow]

66. How about some financial freedom?

Signed the papers this afternoon (rescheduled from last week hmmmm--!) for a personal loan at our new credit union to pay off our (shamefully large) outstanding balance on a Bank of America MasterCard that we've carried for more than a decade, from when Mr. MG's hours were cut, I had to take a job with a 25% pay cut, and we had amazing emergency car repairs. I've been throwing an obscene amount of money at the balance each month (four times the minimum payment) and it never. ever. budges.

Now the monthly payment is going to be HALF of what I've been paying, so we get to pocket quite a bit each month. AND it'll be PAID OFF in TWO YEARS. Then we'll be so far in the black it'll be like I got that part-time job I was thinking about (without having to pay for after-school care for MG Jr.).

On top of that, the bank offered to replace the MasterCard (10.99% APR) with their own gold Visa (7.95%).

Suh-weet.