Teufelchen - that's awesome! It really pays to look into stuff like that. It's hard to do when there's so much clutter on top of it, but once you get organized you can actually start to read that stuff!
My husband is constantly rearranging things to get us better aprs and transfer balances of credit card debts. He saves us so much money - it really is amazing what you can get if you ask for it. All he does is call the number on the card and tell them he wants a better interest rate - or if we get an offer from another company he will call up our current company and ask them if they can meet or beat that offer and usually they can.
Now, if only I can get the old clothes out of our garage and into a good will or dumpster in some cases. *L* It's not really gone, just re-located, but it's a start.
But still..it's junk gone!! woohoo!! 
Heather! It is hard to let go of the comfy old stuff but it sure feels good to wear well fitting new stuff! 
