I can't tell if we're digging ourselves in deeper, with this second mortgage and paying for the refund program for fertility costs.
I've been trying to consolidate our credit cards, since it seems that their rates are getting worse, award programs are a scam, and they want to charge us fees! I've decided that we should only have two cards apiece, and we should close all the excess ones. We're carrying balances on two, but they're both at 0% interest.
One of those is about to expire, so I'm thinking about using CreditCardSearchEngine.com to find and compare credit card offers. One thing I hate doing is filling out those long Credit Card Applications, so it's great to be able to find the ideal card first, and then fill one out. That way you don't ding your credit record with multiple pulls of your report.
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