January 16th, 2004

bundled up, walkabout, snow

List for tomorrow

  1. Catch-up

    Including folding laundry, washing dishes and entering two days of quicken, this will probably take me till 11am.

  2. Finish Updating Chess DB and print out paperwork for Club and Tournament
  3. Fix either Enchiladas or Lasagne for make-ahead dinner
  4. I can dream about napping.

    If the opportunity arises, this will get priority over reading LJ

  5. If I've actually got extra time, vacuum the kitchen
  6. If time slows to molasses pace, mop the kitchen
  7. Chess Club
  8. Early bedtime to get to tournament on time

I started the week feeling like I had a handle on things, but felt things slipping around about Wednesday. I'm still working on balance and time management, with staying caught up, and getting projects done.

Today we kicked butt in bowling - no idea where *that* came from. I haven't bowled over average for every game like that for quite some time. Did I remember to save my scores? No, of course not. Silly me.

I had contemplated sitting at Cingular while they looked at my phone, but desire for home won out. I had a healthy lunch, then gave in to a craving for brownies and made an 8x8 pan of them.

So of course, when I was driving to work, my phone started acting up again. Maybe I can make time on Tuesday.

In dieting news, Flar has selected The New Dieter's Cookbook from the choices I presented him. There are already a number of recipes in that cookbook that have joined the family favorites list, so that may be what influenced his decision. I'm to buy the ingredients for the first week, the next time that I go shopping.

Meanwhile, he's trying to stay under 1900 calories a day, so I calculated the calories in Ham and Swiss Casserole (tonight's dinner) for him - it was somewhere around 3500 for the whole dish. :)
  • Current Mood
    sleepy sleepy
bundled up, walkabout, snow

Addendum to list, with commentary

  1. Wake up

    I wonder if, when I'm rushing to get to chess club in time, sleeping between 7:30 and 8:30 will have been as helpful as napping later would have been?

    This pushes down previous items one through three, and removes previous item four.


  • Current Mood
    sleepy sleepy
bundled up, walkabout, snow

(no subject)

It's not my fault, damn it!

I hate credit card companies. I hate them, Sam I Am.

So there's this nifty new practice, buried in most new credit card agreements, of allowing for changing an interest rate to the "default rate" based on your credit reporting history on other credit accounts.

I started up an account with AT&T Universal, in order to take advantage of a low interest balance transfer offer. I set it up for automatic payments. I monitored the statements so that the automatic payments would always cover at least the minimum on the account. I managed this account perfectly, with no screwups. Really.

Last Tuesday, there was $168 avail on this card. I know for sure it's the card I used for a paypal payment on Sunday night. I don't remember off the top of my head if I used it for anything else this week.

Last WEDNESDAY, they did end-of-month accounting. They RAISED MY INTEREST RATE, based on an Equifax report (probably a bad report by Optima, which has NO provisions for automatic payments). The new interest rate generated a finance charge that put my account .52 over limit. The finance charge was more than three times the charge for the previous month.

Flar is going to write a letter of protest for me. He's better at writing these things. The micro-history of Just This Account is stellar, but the rest of our finances are totally in the crapper, when it comes to late payments, etc., so I have very little hope they will do anything.

It's possible we can arrange to cancel the card, with the old interest rate intact for paying off the debt. But I'm not holding my breath.

What I'd like to see is for Flar's business deals to come through with gobs of cash so we can pay off all these stupid cards and go back to a "current" standing on everything.

I was so discouraged and angry I was crying. Complaining about it in my journal helped to calm me down. Writing is good for me.
  • Current Mood
    angry angry