I’m a fan of money.
Who isn’t, really?Â But I mean, I REALLY like money.Â I enjoy spending it more than anything else.Â Sure, rolling around naked in it is a close second, but my favorite pasttime with money is (by far) spending it.
Which gets me in trouble, from time to time.
(Get ready for another Oprah reference.Â Sarah sure does sound like an avid watcher now, doesn’t she?Â She’s watched two shows in the last year, and commented on both of them.)
So I was watching Oprah on Friday, and she was discussing her Debt Diet plan for America.Â And I have to admit now that I was totally going to link that for you, but when I got over there, she had an entire section about what to eat when you’re pregnant.Â This woman is slowly winning me over.Â I will link later.
Anyway, so she has this plan for how Americans can get out of debt.Â And I’m all about watching money shows.Â They make me feel smarter and richer, even if I rarely do anything after having watched them.
In fact, I voraciously eat up financial knowledge, but it can so rarely be applied to me.Â “If you are over $20K in credit card debt..”Â Um, no.Â I have one credit card, which has a ridiculously low limit.Â My favorite is when they offer this “quick tips” to save money.Â They are ALWAYS these tips:
- Skip the daily lattes.Â Who can afford to do this?!Â I do it one better: I skip the yearly lattes.
- Bring your lunch to work.Â Again, already do this.Â I eat lunch out once every two weeks: sushi Thursday.
- Don’t eat dinner out so often.Â Okay, admittedly, we’re working on this one.Â But the first trimester was intolerable when it came to food.
So, as you can see, I’m already quite cheap.Â I don’t ever sit at a bar and drink for hours, I don’t eat lunch out every day, and I don’t order a daily latte.Â So most of the time, these money shows just inspire me.. but they rarely help.
Enter the Debt Diet Interest Reducing Script.
Because I was stupid with money when I was younger (waaaay younger), I didn’t have the best pick of interest rates through recently.Â So the afore mentioned credit card was at a 19% interest rate.Â If you know nothing about interest rates, know this: THAT IS A SUCKY INTEREST RATE.Â I’ve had this card for YEARS, have paid on time for YEARS, and just never thought much about the rate varying.
But then Oprah gave me words.
The script was perfect.Â I called my credit card company and followed the script.Â The script even knew when they would kick back (and they did) and it was prepared for that, too.Â By the end of the phone call, I had worked the card down to a 9% interest rate.
ISN’T THAT AMAZING?!
I’m totally gonna do my car next, as soon as I can find my account number. (Money, I love.Â Paperwork, not so much.)