[niki_the_tiger]

Woohoo!! I'm so excited.

We got a credit card offer in the mail that gives us 0% APR until January 2007 on balance transfers. We called them up, figuring we could maybe get one of our credit cards rolled over onto that card, maybe two at best... but we ended up being able to put ALL our credit card debt onto it!!! So now we don't have to go get the loan after all and it's 0% instead of the 7.9% or 8.9% they probably would have given us at the bank (if not more!).

We're super excited now... that 0% will save us about $125 (after doing rough estimates) per month that would typically go to interest... now that amount will be going straight towards the balance! And after January 2007, it only goes up to 7.9%... which is lower than all our other cards, and probably what we would have gotten with the loan! Amazing!

We're jumping up and down with joy right now... we want to pay off our debt in a year, and this has just made it that much easier!

(We're also waiting for someone to call and tell us they made a big mistake and sorry but no we can't give you that amount)

And yes, all our other credit cards are getting either cancelled or put away so that we don't use them. We're going to try to use just cash from now on.