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Viewing the 'Credit Abuser' Category
March 19th, 2008 at 04:50 pm
I haven't posted for a day or two as I am busy finishing up school work. Finals are next week so all of my big projects are due this week.
I am looking forward to spring break now.
I don't have any money to speak of, as I got my paycheck on Monday, and it is down to $15 today, Wednesday.
I must put money away for a trip this summer, but I don't know where it will come from.
I also am taking a road trip Friday with family, and I have no money but gas money right now.
If I spend it all in gas, what will I eat? Will I have the money to buy necessities?
I hope that I can make my money stretch.
Posted in
Hints and Tips Wanted,
Credit Repair,
Credit Abuser,
Spending Again,
Checkbook Hell!,
School Days
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3 Comments »
March 17th, 2008 at 12:53 am
At my job, I mostly stand. I stand in front of doors that someone is not allowed to enter, I stand at the elevator making sure that no one with out a ticket can use it. I stand all the time. My feet hurt. I was told a long time ago to take care of my feet, as they will last me my whole life. If I don't want them to hurt, I need to take care of them.
Well, my $30 shoes are wearing out, causing my feet pain. If I were to buy new shoes, they would hurt again, as they would be new and have to be broken in.
What's a girl to do. I could not work as much, but that isn't an option.
I could ask my mom to buy me some shoes, but she is already helping me pay for my children to join little league for the first time this year. I guess I could just deal with it, but this summer, I will be doing some more hard core working, causing me to walk a mile or more a night, and standing, standing, standing.
I can't wait till then. I will definately have new shoes by then.
Posted in
Hints and Tips Wanted,
Credit Repair,
Credit Abuser,
Spending Again
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4 Comments »
March 9th, 2008 at 02:46 am
August 14th can't come soon enough. I am waiting on my $1000.00 to come back to me. I was dumb and didn't pay off debt with my tax refund. I should have done this, now I know. But, I was scared to waste my money, spending it as soon as I received it. That is what happened the last two years. I didn't want that to happen this year. So, I saved it, am gaining about $32 for the agonizing 6 months I must wait, and will have money this summer, just in time for school to start. My oldest will be in 1st grade, and my youngest will be starting Kindergarden. They will have awesome backbacks, clothes, shoes, and supplies.
I will buy cheap school supplies for myself, and will not waste the money when I can use it.
I hope that I will have my Credit Card Debt paid down so low that I don't need to use my CD money for it.
I also must have some restraint in the spending department before I get the money out.
If I save like I should, I may not be so anxious about getting it.
With DH working now, but who knows how much longer, I want to save while he wants to spend. I understand that he sees it as his money, but he has to pay bills first. I just want him to see this as a priority, not just what I do for fun.
I will win him over yet.
Posted in
Hints and Tips Wanted,
Credit Repair,
Credit Abuser,
Loving my budget
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3 Comments »
March 8th, 2008 at 03:57 am
Can I do it? I think the cold weather will keep me in for the next two days. I can always send the Man of the House out to get milk, bread, and any chocolate I may need. I don't mind spending money on such items, as they are needed. If I went to the corner store, I could come back with three or four bags of stuff and forget the milk I went after.
That is why I am about to cut up my debit card.
Posted in
Hints and Tips Wanted,
Credit Repair,
Credit Abuser,
Spending Again
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0 Comments »
March 7th, 2008 at 04:16 pm
I feel as if my money can see me coming from a mile away. If I have money, it jumps out of my hand, or rather, my card slips from my grip, and it is gone. If I am expecting money my way, it takes more than expected, I didn't plan without it, and I am drowning.
My school work is also slipping, but I have it under control. As long as I keep answering to myself, I can do it. I have spent so much money for dining out, that it is too terible for me to even think about it. But, since I am recording it, it makes me look at it, and that my money could be working for me rather than against me.
I'll get there.
Posted in
Hints and Tips Wanted,
Credit Abuser,
Loving my budget,
School Days
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2 Comments »
March 4th, 2008 at 05:45 pm
After paying down my credit card debt, I will probably not be able to get a credit card for a long, long time. I guess more of the accounts are closed than I thought.
I have requested that one account be reopened, but they will look at my credit report before doing it, and I probably not get it.
At least I can't pile on any more debt that way. I don't need to as it is.
Posted in
Credit Repair,
Credit Abuser
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1 Comments »
March 3rd, 2008 at 05:46 pm
I paid down a credit card, so I want to spend.
I was thinking about getting my hair done at the beauty college tonight, before work.
Would going to a school for a discounted doo be saving money? NO, I could go without the hair dye and be fine, but not happy.
Does everything I do need money? YES, but I don't need everything.
Posted in
Hints and Tips Wanted,
Credit Abuser,
Spending Again
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4 Comments »
March 1st, 2008 at 10:51 pm
We had a sleepover last night. We spent no money last night or today. So there's money to go into the challenge. $2.50 for gas saved, .15 for Laundry money found, and $5.50 not spent on a replacement hampster.
I wanted the pet, not my kids. I just want someone else to talk to besides Spike the goldfish.
I got two of my credit cards down below the credit limit. Go me! I didn't even use my tax check to do it. I sacked that away in a CD. I maybe should have put the money on my cards, but I was more intrested in being able to use my money, not toss it away the second I got it.
I also wanted to tell everyone who has been commenting on my posts, I appreciate the help, tips, and support you give. Thanks so much.
Posted in
Credit Repair,
$20 Challenge,
Credit Abuser,
Loving my budget
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0 Comments »
February 16th, 2008 at 07:47 pm
Leaving a little comment on another debtors blog, I began to rant at will. I did not post that long thing, but wanted to get out my words anyway.
My mom yelled at me saying that I shouldn't be living off my refund, as that is never a guarantteed thing. I told her I knew. She doesn't know that I opened a CD with half of it.
She is also making me feel like her boyfriends daughter. When she lived one state away, they always talked about what a loser she was, how good I was to be working and rasing two kids.
Now the daughter not only lives in this state, but in the other half of the double house I live in. What fun.
She has let her gas and light bills go outrageous. She had no gas heat for 6 months. Her father paid the bill. Her lights were shut off; her dad paid the bill. She got fired from her job; her dad paid her phone bill.
I got a disconect bill from the gas co. for $90.41. I was shocked. You are really gonna turn my heat off in the middle of winter, with my two kids inside. My mom went online, and paid my bill.
She made me feel like the slut next door.
I told her that, and she said there is no comparison.
I still feel bad though. I am going to college full time, working way less hours than I should, and she is a bartender at a resturant. She shouldn't have to pay for me anymore.
Not that I don't appreciate the help.
When I moved in this house, she paid the deposit. I had a months rent, but not double that. Mom said that I was her only child and that when I need her, she was there and not to pay her back.
Then when the slut moved in next door, my mom paid her deposit.
What the hell?!
Thanks for letting me vent.
Sorry I almost hijacked someones blog.
Posted in
Hints and Tips Wanted,
Credit Abuser,
Checkbook Hell!,
Darling Dears
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3 Comments »
February 16th, 2008 at 12:33 am
I am sure that some people out there hate credit card companies. I do. I hate when they call me 10 times a day, sent threat letters to my house, and if I had a job, try to call my work.
I just called to make a lump sum payment to a credit card that was WAY past due. Four months past due. I asked if I could have the $14.95 check by phone fee waived. She said no problem, but wanted to know if she could look to see if there was something else she could try. They have a payment match program there. I was making a lump sum payment, so she added half of what I was paying. WOW! The check fee was applied, but I will take a $227 credit over $14.95 any day.
Thank you so much, whoever you were.
Posted in
Credit Repair,
Credit Abuser,
Loving my budget
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3 Comments »
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