My finances had been a shambles for a several years, but I’m slowly climbing out of the hole. I consolidated a bunch of credit card debt into a loan, and I’ve used a couple of the cards I paid off for small purchases and then paid them off immediately again. That made my credit score jump up substantially in a very short period of time.

So for the first time in my life, I was able to call my oldest open credit card account and tell them they needed to lower my rate (which they did). It’s still high, but it’s a step in the right direction. The better part is that they gave me a special 0% rate on new purchases through May 2016. That means I won’t have to pay interest on the 2 tires I need to buy this month, and I should have them paid off in just a month or two. Plus, by the time the 0% percent rate expires my credit should have improved even more and I can get them to lower the rate again.

The best part of all of this is that it finally is making me pay close attention to my spending and not buy things I don’t need. I am way more reluctant to put things on a credit card now because I don’t want to throw myself back into the terrible place I’ve been in the last decade. I’m also trying like hell to resist the “I want a new car” fever that hits me around this time every year, .

Holy shit, I think I’m turning into a responsible adult™. Now if I could just find a way to help my partner get out of the job he hates...