Today, I got notice that Smartypig is now dropping there interest rate to a measly .698% – about half of what it was before! They are no longer competitive and I need to start looking for other options. I am not interested in their retailer rewards. I never intended on spending that money in the first place.
After spending a day being thankful for everything I have, I go out and get more! Here is a guide of how I attack the crazed shopping day called Black Friday.