I have clarity once again

Cents:
I have managed to regain focus. It only took filling up the shredder three times! I have eliminated all the Credit card Fodder. I have sorted all my documents into a Scan pile, a Take Action pile and a Tax pile. I have written up my todo list and prioritized it. I can see the surface of my desk for the first time in two months. And it is the first time in 4 months I feel organized. Phew what a difference having a work from home day makes. It is amazing!I feel so much better.

For right now I am scanning. I need to focus on high priority items but I have less then perfect focus so I am doing the low priority and waiting until the caffeine kicks in.

I have received letters from one Card that increases my limit. It is also changing my terms. Mostly it will not effect me as I took advantage to transfer balance with an offer of 4.9% for the life of the balance. Now if they change that rate with a different rate I will be transferring the balance to a new card. But for now I am keeping an eye on it. Thats why you have to look at all of your cards each month. Those silly banks like to play games. There are no additional fees and they do not seem to have changed the grace period. As I am just paying off existing balances the grace period is not really an issue either. No new charges on any card. Period.

Stitches:
I have started working on the CUTEST bib ever for my son. I love this pattern. I am sure I will want to stitch it again as a gift for someone else. I love it! Here is a pic of the progress. The design is called "Snips & Snails & Puppy Dog Tails" by Stoney Creek Collection. I bought the pre-made bib to go along with it. Oh I love it! It can be found here if you are interested.