Just got another credit card. Prime + 3.25%, no annual fee, and an initial $15,000 limit. My student loan interest rates are now down to 3.1% from 3.5% when I started making the payments a few months ago, reducing my payments by $40 a month. Not much but it is something.
I barely use the fucking things (credit cards) but now my credit limit is a few thousand dollars shy of my salary. Interest rates on my student loans might be tracking lower than inflation.
Kind of shocking as I grew up eating free lunches, a brief stop off in a ghettoish neighborhood to live, and the first half of my life, my family was on a knife's edge, climbing out of the hole of the lower middle class thanks to government subsidized day care and subsidized lunches, allowing my parents to work extra hours. At one time during a brief separation of my parents, all my mom had to live on and provide for my sister and I was a minimum wage job. With the exception of my recent job, I've always worked two jobs, usually at the shittiest places possible.
The credit card itself doesn't mean much (I will probably just use it to pay for gas and then pay off the balance in full at the end of the month) but it is just surprising how far my family and I have come from even a decade ago.
Feels good, man.
