my near debt experience

Well, after phone stalking my own house I finally got ahold of my mom (don't you hate it when no one answers?) and finally got to talk to her about what each one of us is paying on this wonderful new car of mine. She agreed to half of it so I'm only gonna pay 10,000$ for this car. That's not a bad deal in my opinion. She also said I wouldn't have to pay rent when I moved back in so that adds another fifty in my wallet that I'm thinking will go towards my car or I'll actually allow myself to live on something other than ramen noodles.

On the bad news side, my job still hasn't found me another client to work with. I would absolutely love the extra hours and I'm getting a little nervouse. My big plan was to pay off three credit cards this summer (one for each of my summer months. My summer starts in two weeks by the way and you have no idea what its like getting a client in my job. You pretty much need to let them know you are looking two months in advance...which I did.) but it doesn't look like that's happening. Not unless I have a huge yardsale or something. Maybe I can sell one of my legs or something. How much does a leg go for?

Well, my old car finally died and I had to get a new one. My new car is a 2009 Honda fit sport and I love it. What I don't love about it is the new debt of 20,000$. Yeah, I probably should have got a cheaper car but my mom, who said this was gonna be a gift, insisted I get a brand new car that was safe. She kept insisting that this was the only time she could afford to buy me a car and I should get one I want. As soon as I get the paperwork signed is when she announces to me that this was a gift in that she'll pay for some of it. I am a tad bit pissed. If I knew she was gonna do this I would have waited until August and have worked overtime to save up money. *sigh* oh well. Its done with now I guess. I'm gonna sit down with her today and figure out what "I'll pay for some of it" means. Exactly how much is that? Half of it? a thousand dollars? Five bucks? I'm a little ticked. Just a little.

I had the plan to pay off two credit cards this month but after paying off one and a little on the other I realized that if I don't take a break I'm gonna go postal. I have decided to pay off seventy dollars of firestone this month so that way I'll bring it down to 100$ which I can pay off next month. The good part about this is, every extra payment I make on this card will count toward the next month. Its awesome! I can pay ten dollars for three weeks and that's no payments for three months. I wish my other cards were like that.

I would feel kinda guilty about going back on my plan but I don't. I'm so buntout and fed up with everything that, if I don't put some money aside just for me to treat myself with, I'll probably snap. Sucks when you don't earn a lot. I hope I like my summer case because I'm counting on it to get me out of the majority of this debt and keep me sane all in one go.

Hope ya'lls month is going a bit better than mine. This month is Memphis's rainy month so lots of wind, one day its cold, next its hot, and tornadoes should be popping up soon. Fun stuff.

Well, I feel a lot better after ranting. I usually do. I have already talked to my boss about getting more hours during the summer which sucks because I hate my job so much but rules because this is probably the only job I'm gonna find with my inexperience that pays so well. I could actually live off this job. If I wasn't limited on hours due to school of course. My plan is to bear with it during the summer and get out of debt in three months. I know its gonna totally blow but I'm preparing for it. It'll be worth it in the end. I just gotta believe it.

I have a month left of classes and feel like I'm kinda scrapping by. I'm in statistics and I swear that's the hardest class in the world. In hell, they'll make you run data. They also won't give you a computer. I have managed to keep a C in that class and, although its my own personal pledge not to accept any grade lower than a B, I'll be very happy with a C.

I'm also in the process of moving back in with my mom. Totally sucks when you have already lived on your own for a year but she needs help with the bills and, in the long run, it'll cost me less in rent.

Paying off Macy's felt great and now I'm in the process of paying off firestone. I really want two cards out of the way for this month. Macy's didn't have a lot left on it so firestone should go too. This takes a lot of dedication on my part and is slightly annoying but I really wanna be out of debt by August. In August I should be getting around 4,000$. I could just wait till then and pay off my debt but I really need a new computer and would like to have a larger emergency fund since my happy 18$ wont cut it if I lose my job.

Well, I think I've ranted enough. I gotta go to class in a few minutes.

Ever felt like you aren't making any progress? I have this little plan all layed out and I don't ever seem able to follow through with it. Either something comes up or...or...well, something just stands in the way. Currently, I'm suffering from burnout from life. I am working really hard to make sure I can reach all my goals in an orderly fashion and in the process I'm burning myself out on everything. I just don't seem to know what I want anymore. I know I wanna finish school and become a psychologist but all the stuff in the meantime I'm not sure about.

I hate my job with a such a passion its becoming retarded. Don't get me wrong, its very rewarding, its just...I hate it. I hate having to get up early, I hate being treated like a slave by the family members of the people I'm helping and I hate not being appreciated. I hate my bills. I'm not even in a lot of debt and I can't seem to get out of it. Its like a freakin' pit. I hate my social life, or I should say a lack of.

I'm just burntout on everything. Definately not a good place to be. Well, at least school is ending for the semester and I'll have a three month break. Oh wait, I have to work full time at my job I can't stand in hopes I'll get out of debt by august. Joy of joys. Sigh...sometimes you just gotta let it out.

I paid off Macy's today!! Yay!! Okay, well, it had a super low balance and was my smallest minimum payment so I guess its not cause for too much celebration but I'm still super happy! It totally rocks!!!

Well, I called the psychology place that I owe that 160$ to and they told me that they had sent the bill to the collection agency. Great, they wont return someone's weekly phone calls for three months but they are more than happy to send the bill over to the collection agency *rolls eyes*. Well, I asked the girl if I could still come over to the doctor's office and pay the amount and she said sure. I went over there. I wrote a check and made sure I got a receipt and then I asked since I paid them would I still have to pay the collection agency because I haven't recieved any letter or anything from them. She said she didn't know but I could call the doctor's billing office. Now, that's the same lady who refused to answer any of my phone calls. I wanted to make a complaint about that lady but I have no idea who to complain too. Okay, I'm probably getting confusing.

My question is, the psychology doctor's office place sent the bill over to the collection agency but still allowed me to pay them directly. Now, I haven't recieved a letter from the collection agency yet so will I still have to pay the collection agency? Also, how bad will this hurt my credit if at all?

Okay, this is the whole story:
A few months ago I had to go to a psychologist for some school thing that had to do with disability or whatever. Then he wanted me to take this test but said our insurance wouldn't cover it and it was 200$. We politely said no and then the following month got a happy bill saying 'your insurance has been filed. Please pay 140$. Thanks' that's seriously all it said. Didn't say why. Nothing.

We assume its a mix-up and call and leave a message asking what the bill is for. They never call back. For the next three months I get a bill and they charge me extra. I keep calling asking what the bill is for. They don't call back. When I got a bill last month I told them that I have repeatedly called and never recieved any reply and if I get another bill with no reason why I will view it as harrassment and get my lawyer. It was mostly talk to get them to call back but they didn't.

I get a bill for this month and I scream lawyer so loud I think I broke their machine. TWO days later they finally call back and say 'oh, your insurance didn't cover the visit' why the heck couldn't they say that before?!

Okay, I know I probably should have gone down to the office or paid the bill without knowing what it was for (which I have a problem with btw) but I'm seriously ticked that they didn't even try to get in contact with me and tell me what this bill was over when I called them every other week.

My dad wants me to fight the new charge of 190$ and tell them that since they refused to get in contact with me, we don't see that we have to pay. I dunno. I have a feeling that it wont work. Has anyone had experience with this? Did I screw myself over with not going down there?

Well, I did a very exciting thing today. I bought groceries for the rest of the month for a total of 8.28$. It would get a '!' but it was ramen noodles and a loaf of bread so no '!' for you mr. sentence. I also bought gas for fifteen dollars and was approached by my favorite gas station loiterer, dude-who-tries-to-sell-me-stolen-goods. He always comes up to me in a hoodie and tells me about how his cousin 'got this camera' or his cousin 'got this iphone' as a gift and didn't want it. Today he was talking about these cds his cousin got. Man, his cousin needs to learn to be a little more frugal. I love Memphis though. You can get a discounted camera at a gas station!

yeah, got a little off topic there. I figured out that after I get done paying off this doctor's bill and all my other payments for this month I'll have a happy little twenty four dollars left. Kind of crappy but dad said I can pop over to his house this week and munch on his food. I'm so taking him up on that.

...Its eleven o'clock at night and I really can't think of anything else to write.

Well, I thought I was doing super good with my little plan and I guess I still am no matter what this bills says. A while ago I had to go to the doctor for some school thing and now I have a happy little bill in my lap that says my insurance didn't cover the visit. Oh, happy days. 190$ of fun. Not too thrilled with this news but I'm not gonna let it phase me. I'm gonna call them tomorrow and see if they will accpet a payment plan since I don't have that money right now. If not, well, I'll figure out something. hoppin' back on the ramen noodle train.

Well, I'm feeling pretty good because I paid 100$ towards my macy's account (bringing it down to 44$) but I'm also a tad nervous because I'm afraid I wrote typed in to pay 1,000$ and I know I don't have that much. It one of those pay online things and there is no 'pending transaction' section where I can see what I typed in. Oh, well. I'm a worry wart anyway so I'm probably freaking out over nothing like when I can't remember if I locked my door so I walk back up ten flights of stairs just so I feel stupid because I did. Oh, and then I worry that perhaps I was mistaken and walk back up. I swear, OCD or something. Anywho, just wanted to type up the happy and let ya'll know I'm kicking butt and taking names. This one happened to be Macy's. It's like 12:23 in the morning and I really should be getting to bed (but I'm probably gonna play video games...I'm such a loser) so later!

Had, to add that as a blog title. Not only did it apply; its an awesome song. Always makes me laugh. Well, I just wanted to announce that I'm back on the kicking butt and taking names scene. I faltered for a bit but that's okay because I hopped up before it got bad. I have a lot to do these next few months and be prepared to hear me gripe about how much I hate my life with debt but there will be cake at the end so you can be happy about that. Alright, now to figure out a game plan.

Over the course of the summer I'm gonna have to get out of as much debt as possible while also raising enough money to get a new car. Not gonna be easy but I think it'll be totally doable....at least I hope.

Well, not exactly standing where I would like to at this paticular moment in time. I mean, my relationship is wonderful, I'm seeing my family more than I usually do, I'm actually making good grades (pending monday's stats exam) but all my plans for lessening the ole' financial burden has somewhat gone off course. I dunno how it happened but I have once again become addicted to credit cards.

Hello, my name is Missy and I have a spending problem.

Alright, should definately give myself a little credit. Just a teensy bit. I'm not going and saying 'hey, I got thirty dollars left on this one! Lets blow it!' like I was before but I did start putting a bit of money on my newly freed capital one card. Needless to say I'm a weensy but frustrated in myself.

I no longer have any get out of debt plan which seemed to please so many readers, all of whom I love (we should really get together for tea), but on the other hand I do have twenty dollars in my savings which is an account I didn't even have before! excitement!

Well, I now want to end this blog because Bridget Jones's diary: The edge of reason is now on tv and I don't have a very good attention thingy...sperated...doing two things...one time...yeah so.........bye.

Well, I'm getting that old familiar 'you will never get out of debt' feeling that I'm sure we have all had. I think I get mine way too much for someone with so little debt but its still there. I think I'm feeling this way because I did so good paying things off ahead of time and then got myself into trouble and had to use those cards. None too happy about that but I accept it. That's my only choice afterall. I thought about changing my plan for getting out of debt once again but I've decided against it. True, I wont have much money to blow this month but I don't really need to blow money anyway. Man, its gonna suck these next few months! Alright, time to swallow the big girl pill. I mean, I'm getting tax money back (its only 100 dollars but that's still good, right? At least I'm not paying money.) I know, I know, I don't have a lot of debt nor do these cards have a whole lot on them. Okay, I'll stop my whining and let ya'll get back to your lives. Sometimes you just need to write it all out or suffer explosion. Ya know?

Well, I was doing very good until I wasn't. I hate to write this down but I actually charged something to my capital one card. I felt so free and I go an charge something to it. Oh, I could kick myself. I charged an mp3 player and am so angry I haven't even taken it out of the box. Its hidden away in one of my drawers. My uncle kept pushing me to get it before it stopped being on sale and I charged it. UUUURRRRRGGGGGG!!!! Well, I promised myself that I'm not even gonna look at it until I pay it off. Stupid choices. I haven't even writen a blog about it because I'm so embarrased. Too bad I can't return it.