Crunch Time

I am about 23 hours away from my test. It is actually exciting. I will be on the study grind most of the day, just as I have been for a week now. I really am retaining this information. I will be happy to score well today, ecstatic if feel I did well tomorrow. This test means a whole lot more than just extra cash, though I really am excited about that too. I am hoping to knock this out the first time.

When I am not studying, I will be bullying around banks for lower interest rates. My credit card has an insane 24.9% APR. Just not acceptable. I will be strong arming them to lower it to zero for a year. If they do not budge, I have an offer just like that waiting for me. I will balance transfer and cut ties with the old card. I am hoping the threat of leaving will be enough to get what I want. If it is not, I will get what I can then balance transfer and be on my merry way.

~Skate