Debt to Dreams

Talk about penny wise and pound foolish.
I just wiped out most of my gains from the past 10 months of 0% balance transfer abritrage!
In the process of updating my excel spreadsheets for May I was checking my email and noticed that I had received an email from Bank of America […]

One quarter into 2008 we are finally feeling the difference between having dual incomes with no children and a single income with one child.
Our impending move at the end of June(as I transition from being a Resident to a Fellow) has caused my wife to drop to part time at work rather than […]

I never thought I would carry over $45,000 in credit card debt. That amount represents about a years worth of living expenses for our household.
Even when I was at my personal finance low 2 years ago with over $14,000 in hard earned credit card debt, I never thought I would let my debt […]

It’s OK, I THINK I know what I am doing this time. I didn’t buy a new car. I didn’t go on a fancy vacation. I simply decided it was time to play the credit card arbitrage game.
After spending the past 2+ years aggressively paying down my credit card debt […]

I was checking my email the other day when this email from Citi caught my eye.
I have a couple of Citi card that I used to take advantage of their 0% balance transfers. I haven’t touched them in a while but it looks like they are trying to get credit card holders […]