A blue day.

Today was a blue day.  I'm not sure why, maybe it was the early morning drizzle or the endless number of emails that ended up in my mailbox. 

I think it was because when I checked my Chase credit card account, I saw that the $100 extra payment I had made was essentially "canceled" out by the $100 finance charge just levied.  And they raised my rate.  I can't believe it - is that how they reward customers who not only pay on time but make additional payments?  Well, starting tommorrow Chase will have one less customer when I transfer my balance to another account for that 3.99 fixed rate and no transfer fee.

I just felt like I was in a blue funk all day.  The only positive thing about that is that I had no urge to spend any money, which is what I'd usually do when I was feeling down.  Instead, I perused some personal finance forums and made my own coffee instead of Starbucks.

Then, when I came home, I was greeted by my Gap Visa credit card bill.  Which is almost paid off (only $300 to go!).  And what is inside?  A gift card for $20.  The catch to those giftcards is that you have to use your credit card to make the purchase.  Evil.  I'm glad I handed that card over to my parents. 

But the night took a sudden upturn when I checked my home email and found this!  How awesome is that?  Last week I won the Amazon gift certificate and today I win a book!  It really made my night and lifted up my mood.