So, I made that extra $100 today. $50 to savings! I decided that I need at least $4,500 in an emergency fund (that would give me $1,500 a month for three months), so my goal is to reach $4,500, and THEN relax just a little (while continuing to save, of course!)

Let me tell you a secret ... I haven't deposited the $200. In fact, the bills are sitting here on my desk, staring at me. I'm tempted to see how long I can go without depositing them ... unfortunately, I don't think that's going to be long. I have a car insurance payment this month. :-/

I got an offer for a 0% balance transfer CC until Aug. 09, and I'm tempted to get it to transfer my BOA CC balance to it. I currently have 0% on my BOA card, but that will adjust in August to 23.99%, I believe. *But* there's a 3% balance transfer fee. What do y'all think I should do?

Still battling the southern heat ... whew!

Happy Monday. :-)