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001: No rest for the wicked.

February 1st, 2010 at 07:52 am

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.

Posted in Credit Cards, Personal Finance | 15 Comments »

15 Responses to “001: No rest for the wicked.”

  1. whitestripe Says:
    February 1st, 2010 at 08:01 am 1265011269
    1265011269

    while it's not going to make a bit of difference to your personal circumstances, there are people in this blogging community that have crawled out of far more debt. it's going to be difficult for a little while, heck most likely a long while, but you can do it, you just have to get your head out of the sand - which it sounds like you just have. you'll get lots of advice and support here and probably blogging will just help your motivation to get out of debt too. welcome Smile i look forward to reading future posts.

  2. therecklessone Says:
    February 1st, 2010 at 08:12 am 1265011947
    1265011947

    Thanks for your supportive words and the kind welcome! I like your blog; I shall add it to my list.

  3. Purple Flower's Says:
    February 1st, 2010 at 11:17 am 1265023054
    1265023054

    Welcome to the site! Good luck achieving your goals. I know you can do it!

  4. Broken Arrow Says:
    February 1st, 2010 at 01:22 pm 1265030544
    1265030544

    Welcome. When I first saw the name of your blog, I had to chuckle. I didn't think I'd run into internet slangs here. In any case, hang in there. You're young, you've got the right attitude now, and the beginning is always the worst.

  5. Broken Arrow Says:
    February 1st, 2010 at 01:30 pm 1265031004
    1265031004

    Also,
    Text is obligatory plug and Link is http://www.lyricsmania.com/aint_no_rest_for_the_wicked_lyrics_cage_the_elephant.html
    obligatory plug just because I'm a Borderlands fan.

    Oh, there ain't no rest for the wicked,
    Money don't grow on trees.
    I got bills to pay,
    I got mouths to feed,
    There ain't nothing in this world for free.

  6. CB in the City Says:
    February 1st, 2010 at 01:39 pm 1265031590
    1265031590

    Welcome. You are in good company here. Many are doing things they never thought they could do. Hang in there, you WILL whip that debt!

  7. creditcardfree Says:
    February 1st, 2010 at 01:51 pm 1265032288
    1265032288

    Welcome! Sorry to hear about the debt, but we will cheer you on as you remedy your financial situation!

  8. pharaohsmom Says:
    February 1st, 2010 at 03:51 pm 1265039476
    1265039476

    Welcome to our online community! I know it feels totally overwhelming right now, but we have faith that you can turn things around. Look forward to reading about your progress.

  9. Ima saver Says:
    February 1st, 2010 at 04:36 pm 1265042177
    1265042177

    Welcome and glad you have joined us!

  10. debtfreeme Says:
    February 1st, 2010 at 06:43 pm 1265049791
    1265049791

    Welcome to a great network and people who will become friends. Listen to the advice they have, take what works or resonates with you and toss the rest.

    On that note, the name of the blog is a bit negative and might constantly bring you down when you log in. Perhaps a name change to something positive to show the great first step? Epic future or epic learning or epic experience or something? I have just found that having a positive name has been better mentally.

    Take or toss entirely to up to you! but welcome aboard and may you be successful in your quest!!

  11. baselle Says:
    February 1st, 2010 at 08:47 pm 1265057236
    1265057236

    I smiled when I saw the name of your blog.

    Just remember that when you join us in blogging, u r doin it rite.

    Welcome. Smile

  12. miz pat Says:
    February 2nd, 2010 at 12:38 am 1265071105
    1265071105

    Welcome to our blog. This is a very good group for ideas and encouragement going through hard financial times.

    I like your blog name. I play WOW myself.

    Miz Pat

  13. therecklessone Says:
    February 2nd, 2010 at 02:46 am 1265078777
    1265078777

    Purple Flower's: Thank you!

    Broken Arrow: Thank you! It was the first name I could think of... ha. Glad you like! I will check out that song.

    CB in the City: Merci!

    creditcardfree: Gracias!

    pharaohsmom: Danke!

    Ima saver: Grazie!

    debtfreeme: Excellent point! I've tossed out a few ideas in my next entry. Maybe Epic Whale? Epic Wail? Epic Snail? Hehe.

    baselle: I appreciate it, and I'm glad it made you smile!

    miz pat: Thanks so much! You know, I've never played WoW (but, yes, that is where I got the name from). I probably shouldn't buy it now, though. Ha!

  14. debtfreeme Says:
    February 2nd, 2010 at 05:31 pm 1265131870
    1265131870

    Obivously I did not know the cultural reference on your name when I mentioned the mental aspects of it. Perhaps it works for you!

  15. dtjunkie Says:
    February 22nd, 2010 at 09:50 pm 1266875448
    1266875448

    I'm about 3 years ahead of you. You're not alone, and you'll be fine. You've learned your lessons, now it's time to start making the right moves. I think baselle's quote deserves a repeating.

    "Just remember that when you join us in blogging, u r doin it rite."


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