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[01/29/08] |
Whoo-hoo! (kinda)
I've mentioned before, I am very much in debt. As of right now, the only actual debt I've been taking care of has been my credit card (roughly $2600) because they're the only people I haven't been afraid of: that, and we've worked out a system. I pay them at least $46 a month. It has to be sometime during a 30-day calendar month; they don't care when I they get the payment, as long as it is within the month. They take it directly out of my checking account; no more, no less. I fucking love it. So fucking easy. Just call them up and be all "Yo, money ain't gonna be in there on the 17th. Take it out on the 28th." and they're all "cool,noprobs"
I just got a call, with them telling me I've officially paid off my overbalances. I've now brought that account back to balance. YAY! I'm still paying it off, but it's essentially a done deal. I get to keep paying them the cash until I don't have to. Schweet.
That means that I still have about $5000 dollars I owe to various collectors, though. (which is better than $7600) It's flat out embarassing: I just haven't paid them. In months. They are not happy with me. I understand this.
I'm hoping that I can contact either the Ohio/National Debt relief. And be all, "YO HALP. I SUCK AT LIFE BUT I'VE REALIZED MY MISTAKES. plzhelpplz"
I don't really have anything that is worth $6000 that I can like, use as collateral as a loan. My car, though good, is about 11 years old, and is probably only worth $2000. If that. It's a toyota, I love it, but that's about it...
One of those is another credit card; I'm wondering if I contact them, if we can work out a similar deal. The other two are loans; I'm fucked with those. So, so, so fucked. I'm wondering if I can perhaps get one of those loans that's all like, "Yo, this bitch has overextended herself." Pay the loans off, then work on paying the single loan off. When they ask why I didn't do this a year ago when things were getting out of hand I can be all "um...didn't know it existed >_>" or something.
That, or I just need to find a rich old dude. Golddiggerwha?
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[01/15/08] |
New (or should I perhaps say, refreshed?) journal. New town. New life.
I am very good at this. Erasing something of myself and starting anew. I run away like it's going out of style, and I've masted it. Spring is not the time of rebirth for me. That thin line between December and January is, as it seems, that is when most of my life changes occur.
Let's hope I can get it right this time.
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