I got a letter from BOA telling me I was approved for the new credit card, but that my overall credit limit would be adjusted. That is, my other BOA credit card would have its limit decreased by the credit limit of the new credit card. That doesn't matter to me, actually; I never come anywhere near the limit of any card.

But it answers a question I had in my mind -- whether my new reduced income would make a difference in how I am viewed as a customer. I had wondered whether I would even be approved.

I expect I will get the card in the next few days, and I will start charging everything to it in order to earn the $150 bonus.

I also got an offer from AT&T. If I switch to them they will pay a $300 bonus. This would be a bundle of TV, internet and phone -- apparently cell phone. The monthly cost would be $86 before taxes, and of course there would also be fees for setup, etc. It's tempting, since I pay about that amount already just for TV and internet, and the TV I get is basic; very limited. This would give me a fuller spectrum.

It's mainly the phone that worries me. I am not sure of how much data usage I would get, and would I have to change my phone number? I'm happy with Straight Talk. I'm cautious of change in general. At this age, I hate dealing with changes in technology, and it seems like every change is just an invitation for things to get royally screwed up. I need to read all the fine print and let it simmer a little.

I would like that $300.

Yesterday was a no-spend day. I did go to the gym. I did not even get started on taking down the Christmas decorations, so that is on tap for today, as well as another gym visit. And I will pop into Goodwill to see if there is a suitable lamp there.

But I may just rearrange a little. I might be able to use a floor lamp beside the bed, if I can find another place for the little nightstand. I'll have to see if the floor lamp provides the kind of light I want.

I got my first withdrawal for my Medicare Advantage plan this year. It is gone up by one dollar per month.

Variables remain at 20%. I have two and half weeks left in this pay cycle.

Meals today:

Breakfast - scones (the last one!)
Lunch - Split pea soup with ham
Dinner - Fried rice (from freezer)

I am so heartened to know that the temps will get up into the 30's tomorrow! This frigid weather has really been getting to me.