http://findoutifyoucanmakemoneyonline.wordpress.com/2008/08/26/here-it-is/

Keep bringing that good knowledge!

But I am sure that there was where I disconnected from considering all the variables (going to the emotional needs) and probably bought sooner than I should have.

Better financial advisors in my life at that time might have helped me see clearly where to go.

I’ll leave all the personal factors out of this post for now.

Back to the debt repayment. I recently (this summer while traveling) made a late payment on a bill and the credit card company (CHASE) raised my rate from 3.9% to 14.99 percent. I’ve discussed this with them and they are considering whether to return it to the rate of 3.9%. In a similar situation (within the past calendar year), with the same company (CHASE) on another card, they returned the rate immediately with the phone call and stated something about allowing this to occur one time. I guess I will find out if it is one time per card, or per company. CHASE has somehow managed to prevent my online banking company from accessing my bill from them monthly (they were on the “pay the minimum monthly” cycle, which my bank will do automatically for me. SO, I returned to receiving paper billing so I could ensure they got paid (one didn’t at some point, this might have been the one that happened last fall). This summer, traveling, I set up automatic payments. We will see what CHASE’s decision will be, but I will cancel all of my accounts with them based on their being too much trouble in my life to deal with. The company with the 1.9% card is CAPITAL ONE and they have always dealt straight and fair with me, never had a problem with them on billing being received on time, even through the online banking services. However, my debt on CHASE is much higher than on CAPTTAL ONE, so I am going to pay off the CAPITAL ONE card (Dave Ramsey method) and hope they send me another offer at a low rate to transfer balances. I will then transfer the CHASE card over to CAPITAL ONE, then reevaluate the interest rates on all debt/investments and start with the highest rate first, which is how I had been tackling the debt. I also cancelled contributing to the 401k this paycheck, indefinitely, because the investments now are losing (which means I get a better return on paying off the debt), plus this experiment has taught me that there “ain’t no way” I can return on my 401k ever. I just am restarting life after divorce too late. Something else much change to allow me to meet my personal goals.