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Good heavens. I guess I learn something new every day. Today’s lesson: credit card companies are nasty things.

So here was my mistake: in December, I paid off my tuition with my credit card, effectively maxing my card out at five grand or so. Over winter break I was thoroughly financially irresponsible (aside from $900 worth of car expenses, $500 of which was unexpected), and so when it came time to pay off my credit card in January, I left ~$750 of outstanding balance.

Well, today I received my January statement, and discovered a ~$50 finance charge for December. Being confused, I called BankOne, and asked what was going on. This was my discovery:

If, at the beginning of the month, I charge $5,000 on my card, and at the end of the month, I pay $4,999, I will be charged a finance fee for $5,000. The only way to avoid this is to pay off the entire statement.

Fortunately, as a courtesy, the customer service rep took off the finance charge for last month. I guess I’ll know for next time…

So I guess the moral of the story is this: beware of the man. He’s very very sneaky, and he’s out for your money. Don’t be stupid like me. Pay off your credit cards, or do away the idea all together.

If only I could take my own advice. =)

Ah. What a weekend.

Million Dollar Baby / Car fiasco / MSU Basketball game / Kill Bill 2 / Superbowl / Homework and now… sleep.

I’m ready for tomorrow. I’m very behind on my corespondence, but that side:

My coffee pot is clean / I’m caught up on my reading / My laundry is done and I’m in bed before 3:00.

So it’s 1:31AM in the morning, and I’m leaning back in my chair with my head on another chair, staring at the ceiling.

Josh walks out of his room. In inform him that he’s two and a half hours early for his 4:00AM bathroom trip. Having informed him, I return my attention to the ceiling, flap my arms and say “I’m being PRODUCTIVE!!!”

I’ve recently developed a certain affininty for cream in my coffee. I find this quite disconcerting, since I like to consider myself a “coffee purist,” which the notions of cream and sugar stand in opposition to.

Perhaps it has something to do with the amount of coffee that I consume. Variety is good. Whatever the case may be, my drink of choice at present is an americano with room for cream. How odd.

Hailey passed something rather clever on to me today at lunch:

A student once remarked, “I knew MSU was the school for me when I skipped class because the slopes opened up and ran in to my professor at the ski-lodge.”