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Archive for January, 2010

001: No rest for the wicked.

January 31st, 2010 at 11:52 pm

It's 11:43pm on a Sunday night. I feel like I've swallowed a huge chicken bone. My credit card payment of 350.22 was due yesterday. I have 532.93 in my checking account. I have -484.90 in my savings account, with an available balance of 15.10. That's before they take off money for service charges, mind you.

My rent's due tomorrow. 550.00. Cat food and litter will cost at least 20.00. And I need food for myself (ramen noodles will have to do).

Oh, and I am also in arrears for my federal student loan. I owe about 32,000.00. Let's not forget my provincial student loan in which I owe about 11,500.00. And let's not forget my credit card debts, shall we? 7,100.00 for my American card. 8,700.00 for my Canadian card.

Hi, I'm Luna (that's an alias, but it means "moon" in Latin and is very pretty, I think). I am about 60,000.00 in debt, and that excludes interest. I'm also twenty-seven years old.

I will tell my story later. Right now, I have to go to bed so I can get up early and call my bank and tell them I can't pay the credit card. I think I'll hit Debtors Anonymous after work. And I'll make an appointment with a credit card counseling company.

If only I hadn't first used that credit card, back in 2004. I bought a ten-dollar pair of jeans. Wow. I'd do anything to only owe ten dollars now.