Discover: $2,387.67
US Bank: $4,331.08
Bank of America: $3,021.02
Citicard: $9,466.29

Total $19,220.58

For a long time, I've needed to talk to a friend who owed me a lot of money. I've been putting it off since I hate confrontation and I finally summoned up the strength to do it yesterday. The reaction I got was awesome: she immediately got back to me, we met up for coffee and she gave me some money. We talked about setting up a payment plan for her. I'm hopeful I will have my money back very soon! I'm so grateful we worked things out and I finally addressed the issue.

So, I made another $800 payment to my Discover Card!! Now at $1,587.67! Yippee!

I'm also getting into the Balance Transfer game. I'm hoping to transfer huge chunks to lower rate cards under promos. My Citicard has a APR of 18.99%. I'm hoping to split it up into another couple of cards. 5 of my credit cards have offers available now for balance transfers..I'm trying to decide what will work best for me. I'm planning on calling to reduce the interest rate for whatever I can't transfer.