I've been struggling with how I want to proceed with balance transfers. I've received a few offers in the mail from credit card companies and searched online. Finally, I decided that I would take my chances and apply for a Citi Simplicity card. I got approved for $3000. There's a 0% APR for purchases and balance transfers for 21 months (3% fee on balance transfers). No late fees or annual fees. No rewards that I can see but I'm more than happy to transfer from my higher balance accounts, knowing that they'll be paid off in 21 months.

When I called, the representative offered to move some of my available credit from my current Citicard at no charge so I could transfer more to the Simplicity card. I now have $4000 available. I think my plan is going to be to transfer half of my current Citi card to Discover once it's paid off (with a 9.99% APR). I know that Chase will not allow a balance transfer from one Chase card to another. Similar rules might apply with Citi. If so, I'll transfer the US Bank to the Simplicity. Otherwise, I'll transfer current Citi to Simplicity (this is what I'm hoping for). All APRs will be under 12% that way.

In other news, I royally screwed up my budget this month. I just moved out of my mom's house and brought with me the cable and cell phone bills that I had been paying. Since my name is on the contract, and we got a really good deal, I agreed to still hold the accounts, pay the bills, and have my mom reimburse me. I'm totally fine with this arrangement since I'm on her car insurance for now and I reimburse her. Anyway, I forgot that even though, I'm only paying $50 a month for my cell phone, I forgot to calculate how much I actually put out before being reimbursed (the total is $225 for 3 family phones and cable/internet). Right now, I have $163 in my checking account to last until Sept 30! I don't know what I was thinking. I called up my mom and she's going to write me a check this weekend but ugh! I thought I was doing so good, too!

I still have only spent $10 from my piddly money. I'm feeling so frugal that I don't want to spend one single cent from it!