Night before last I dreamt I was in love...and that I was showing my beloved a duck and a child playing "tug-of-war" over a leaf...

the dream dictionary says the duck, the children and the romance-love part are all good omens for my finances...

Today, I got a call from the bank executive, stating that the bank has changed their policies and now is offering employees from my company loans, without a cosigner, for 10x their salary (as opposed to 7x their salaries)...if they approve it, they'd give me $1,000 (as they would refinance what I already have)... the payment would remain unchanged, only for a longer period of time...

I have to wait and see if they WILL give it to me (as I now have the loan for the car, which I didn't have before...but, still ...if the payment will remain the same...)...if they DO, then I have to decide what to do with it....common sense says: put it towards the CC, which is at ~28%...but, I don't know whether it would be wise to pay off the phone bill ($700) and pay only $300 in the cc... the advantage would be: the phone bill is 7 monthly payments of $100...I would eliminate that, while the CC is at least a "variable" payment, I could make payments that are only slightly higher than the minimum and have a bit more cashflow, which could be good given that I am still unsure of how high the school expenses are going to be...the disadvantage of this is, the CC is at ~28% and the phone bill is at 0%....

Decisions, decisions!