Just pick up the phone and call your credit card company!

As you might know, I am slowly getting my finances into order. I am slowly trimming the fat (canceled Netflix, Starlooks) and am looking to cut my credit card annual fee. Yes. I pay $19 (used to be $29 I think) per year to Wells Fargo in order to have cash back on my credit card purchases. Every bit counts so I called Wells Fargo with the intention of cancelling my rewards program.

Be nice! Remember, you catch bees with honey and not vinegar.

After 20 mins of phone wait, tag time, etc…… guess what? The Wells Fargo representative was able to transfer me to a FREE rewards program while keeping my current points.

Since I am on the phone, I asked for a lowering of my APR (currently at 12.65 which is pretty good). Unfortunately, the rep was unable to lower my APR. But she offered me 0% APR on purchases made in the next 6 months. Now I don’t know how often I will take advantage of that since I will be on Dave Ramsey’s cash system. But the point is…… YOU DON’T GET IF YOU DON’T ASK!

And if you don’t get anything, don’t be discouraged. Just pick up and call again. The next rep might be willing to go the mile for you. Again remember to be nice! The reps are humans doing their jobs just like you and me 🙂

* Just my experience

Dave Ramsey – Have you started your budget for July?

If you are in total control of your money and am in an excellent financial situation, please go on and skip this post. Otherwise, read on! 🙂


Like many people, I dread the B word. Yes, budget. To me, it’s all about restraint and a life of lack. I went on my merry way and like so many others, am now in debt. Having heard of Dave Ramsey, I decided to order his book (second hand off ebay) and start reading. I got so inspired that I made a budget for July!


You can access a free pdf on how to get started here! It’s only 23 pages and it’s worth reading. In addition, you can get free budget and cash flow forms here.


Here is my budget on a clip board at the fridge 🙂

We have a few more days till July and I urge you to create your July budget today! 🙂


This will be my cash envelope for July. As you can see, I made my budget and set aside money for various categories (Groceries, Household, Eating out, Entertainment, Personal, Clothing and Gas). You can categorize however way you want 🙂 For example, although my tab says gas, parking comes from that envelope too. As for personal, I decided to loop beauty and toiletries as well as books in there.


There comes a time when you have read all that is to know about a subject and it’s time to just do it. Plunge in. I’ll be there beside you!


* Found the last picture on the internet. Please let me know who it belongs to so I can credit it.

* My personal views.