Give Me Back My Five Bucks

I find it interesting that other PF bloggers have been calling up their CC companies and asking for a lower interest rate. Before I started blogging, I had no idea you could even do that! Does it work like that in Canada too? I don’t carry a balance on my credit cards, but for some reason I have a major urge to call up my CC companies and ask for lower interest rates. Am I crazy? I mean, why should I even bother? What I should have done was call them up while I was still in debt, but since … Continue reading →

I just got my statement for my cash-back Visa card. So far this year I’ve earned $36.99, which is pretty good considering it’s free money. It’s too bad I won’t see that cash until the end of the year! I currently have 5 credit cards: 1% cash-back Visa card ($4500 limit) Mastercard with grocery rewards ($2000 limit) Visa card ($1100 limit) Sears store card ($500 limit) A&B Sound store card ($7000 limit – co signed by my dad) There was an interesting article on the internet that I read a few days ago. I can’t recall which blog I read … Continue reading →

Right now, I have $31 in my chequing account, and that’s just about normal for me. I never go below about a $25 buffer, or above $50 … I hate the thought of that much money wasting away for nothing, when it could be earning me interest in a savings account. So I keep the smallest amount possible that I’m comfortable with. Like a few other PF bloggers out there, I’m one of those people who pays for everything with a credit card. Of course, I don’t carry a balance, and I pay it off before the end of the … Continue reading →

This is strange. So I bought my computer last Sunday. A few days later I went to check my Visa online. I saw that the entire $3100+ was pending, and the available credit reflected that amount. But it hadn’ t actually posted the transaction yet. That seemed normal. However, now all of that credit has been released (the CC is back to its original amount of ZERO), and I don’t have any money pending. What happened? How did it go from reflecting the purchase on my card, to no sign of the purchase at all? And according to FedEx, the … Continue reading →

I got paid today (hoorah!), so I updated my totals on the sidebar. You might notice that my line of credit is still sitting at 0% paid off. I put my new computer purchase of $3,152 onto my Visa card last week, with the intention of paying it all off with my line of credit. However, the transaction has yet to post to my Visa, so it leaves me in financial limbo at the moment. As soon as it posts, I’ll transfer the entire balance over. But since it hasn’t for this pay cheque, I’m not going to make a … Continue reading →