|
Warning, rant ahead.
Bah. BAH! I SAY!
Bah! to my borderline suicidal car.
Bah! to not getting approved for a loan for a new(er) one.
Bah! to my credit score being lower than I thought it was.
Bah! to hardly spending ANY money on myself other than to eat and live to save money to pay off credit cards when apparently it hasn't done that much good.
Bah! to unmanicured hands and toesies.
Bah! to STILL not having clothes that fit.
Bah! to my shitty hair cut due to trying to save money and NOT GOING TO MY REGULAR STYLIST.
Bah! to these last 5 pounds.
UGHHH! How come it always seems like when you're working SOO HARD to get your life TOGETHER, it still just wants to crumble out from underneath your feet? I feel like I've been wasting my money paying the greedy credit card companies when it hasn't even helped my credit any. I am in the same boat credit-wise as my friend who hasn't even been TRYING TO IMPROVE hers. How the hell does that work? I've been working my ass off to try and get my score up, she's letting all kinds of bills fall behind and go into collections, and my score isn't any better than hers?! What the hell! It makes NO SENSE to me. I've been doing everything right and get absolutely no reward. I am sooo tempted to stop paying them down and just keep paying the minimum balance like I used to, but I know better. Ugh. It's a Catch 22. Not paying will just make it worse, but paying all that I can afford too apparently isn't doing too much good.
Ugh. Anyway. I worked out yesterday. Felt good. I'll be going back to the gym on lunch again today. Last night by the time I got off work I was famished, and upset from getting denied. My boyfriend ordered pizza. I ate half the loaded cheese fries and about 3 slices of alfredo chicken bacon pizza. Yikes. Surprisingly, I was down just a little bit this morning. I don't know how it happened...
|
 Comments
Can you consolidate all of your debt? I would call your credit card companies and start asking for options. Make it known that you are working your behind off to pay it off. As for the car, do you have public transportation available where you live? I know it's not the best option, but completely ditching your car might be a solution? Do you and Mark share a ca? That might be another option! The world sucks. It sucks for people to try hard. One of my friends (well, now ex friend) was trying so hard to have a baby by January 09. And the reason why? Her welfare was going to run out if she didn't because her other kid just turned five. I was so appalled. Some people just disgust me. It's like the world rewards you for making bad choices. I hope your weekend turns things around. But I know how hard it is. And HEY, this is the part where I'm looking you in the eye: You enjoy this weightloss. You don't fret about this silly little 5 pounds. You have come so far, and your before/after pictures are amazing. Who cares if some of your clothes don't fit-- you could walk around in your scivvies and look GREAT! I am so impressed! Your tummy is FLAT! You are PRETTY! Rejoice in this! ...okay, my confrontation is over. Have a good rest of the day!
25 Jun 09 by member: lgatzke
|
I agree BAH! to all of the stuff above (except replace car with house) and im in the same boat i hate money! my credit rating is so bad i cant even get a credit card grrr! im glad your emjoying working out :) dont worry the score will get better over time :) x
25 Jun 09 by member: SelinaMinus60
|
I don't know how long you've been paying more and on time, etc....but, it may take some time to establish that this isn't just a whim and you are consistently paying your debt down and on time. The bad part about credit reports is the negative things counting against your score don't go away...you just have to have MORE good things to outweight the bad. Whatever you do, don't give up...all your sacrifices will pay off one day! Oh my gosh, how on earth did you eat pizza and cheese fries and lose...I'd be up 5 lbs if I did!
25 Jun 09 by member: kimbulie
|
BAH! to pizza sushi... wait, nevermind. I still have that on the brain from your last post. More on topic, it's good you know better. Having the card debt gone eventually is about the only thing that makes it better. Regardless of it's effect on your credit score, getting away from the debt will help a lot. I don't think I've used an actual credit card in the last 5 years, and I only used my parents' before that for school stuff. Those cards are evil, and I'm afraid they would try to eat my soul (right after eating my bank account).
25 Jun 09 by member: Divided By Zero
|
wow, I just reread my statement, and my grammar is terrible! I blame it on the AM!
25 Jun 09 by member: lgatzke
|
Thanks guys. I've been making payments on time since the end of 07. I got the cards under the credit limits beginning of 08. I was paying them down gradually throughout 08. I had almost all of them paid off just a couple months ago, but had to use them for deposits on the apartment and electric, the stupid cruise that I didn't even enjoy that much, and other moving costs. I've thought about consolidating... but my interest rates are really not that bad. I think the highest is now only something like 12% when it used to be 35%! Laura, I hate people who do that kind of stuff too. That's just disgusting. I would barely call them people, and more like leeches of society. It's possible Mark and I could share his car, but I know that really gets to be a pain in the ass, I've seen my two best friends do it w/ their hubbies for years. I want the debt gone. That's why I've been trying so hard to pay it off. I want more disposable income, not debt. Haha. Cards aren't bad as long as you use them right. I just got out of control after my divorce and racked up the cards, and have been paying for it ever since. How stupid.
25 Jun 09 by member: Starladesiree
|
But at least you recognize what went wrong. Everyone slips. But not everybody takes back control, and that's what you are doing! I am proud of you for paying things off, and staying on course. I really hope things turn around for you and soon!! Keep truckin-- you are on the right track. :)
25 Jun 09 by member: lgatzke
|
Not stupid. You've fixed and are fixing it. I think watching the documentary "Maxed Out" has scared me away from credit cards forever. It was one of the most depressing movies I've ever seen.
25 Jun 09 by member: Divided By Zero
|
Just a quick comment - do you have Consumer Credit Counseling Services in your area? They are a free service (be careful of the ones that want to charge you) that help you get your credit cards in control and may be able to help with your credit score. I've known a couple people who have used them and they really helped. The deal directly with the credit companies, consolidate bills, etc. Keep up the good work with it! It takes time, but will pay off eventually. Sorry everything is coming down on you at once... make a list of all the good things in your life and see if that helps shift the BAH! mood! (((((hugs))))
25 Jun 09 by member: amryk
|
Hi Star, I actually worked for two of the major credit reporting companies quite a while back. Have you had your credit reports pulled for all three vendors recently? As far as the credit score and your friend…..unfortunately your credit score may have been lower, and improved up to where your friends was, so now its even, or maybe you've had some of the vendors attach a statement to your credit report for collections, or have unpaid collections on the report that your friend might not have on theirs. My advice; obtain current copies of your credit reports, dispute anything that doesn't look right (it happens all the time, sadly, that information gets mixed up…I myself had someone elses SSN on my credit report and it wasn't even close to mine!). So keep on paying your bills down, check the report, contact the credit card agencies to keep trying to get your rates lowered, the worst they can say is no. Good luck! =)
25 Jun 09 by member: Cheeks
|
starla i just wanted to say thank you reading your post made me really think about my credit rating and also my general borrowing issues and it made me call up one of the places that i have been avoiding talking to and im going to get it sorted out i dont think i would have done that if i hadn't have read your journal and everyones thoughts on it!
25 Jun 09 by member: SelinaMinus60
|
Lol. Good job Selina! You guys are right, at least I'm taking control and taking care of it now before it gets worse. Yeah, Cheeks, I've checked all my reports. Last year I had an old medical bill that had actually been paid in 2005 still on my report as unpaid. I got it taken care of. Everything else looks accurate. Even though it ain't pretty. Lol. Thank you, amryk. I will have to look into that place.
25 Jun 09 by member: Starladesiree
|
| |
|
|
| |
Submit a Comment
You must sign in to submit a comment
|
|
|
Other Related Links
Members
|
Starladesiree's weight history
|