Motivation to buy new bike

[DirtDiva]

Good luck with that Knotted. Definitely look into the balance transfer thing!

[pooks]

Another trick, knotted -- sometimes if you call and tell them you're switching to a lower interest lender, they'll lower theirs (at least temporarily) to keep you.

Also, don't be late on your payment, because most of them have written into the contract that they can raise your interest rate if you do.

Oh, another thing -- check with your bank or credit union. They may let you transfer your balance to them at a lower rate. (Then don't touch the Visa until you get the other paid off, natch!)

[KnottedYet]

Kali - welll, it's not *really* custom, I guess the right word is customized. I haven't done this before, so it's all new to me.

The LBS buys the frame pre-made to a standard size that will fit me. The bike shop buys all the parts I want to put on it, builds the bike, and then sells it to me.

Of course, none of that will happen until I stop spending money and start paying down my debt. Whew!