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002: Wow!

February 1st, 2010 at 06:18 pm

I really appreciate all the warm welcomes from people! Maybe I should change the name of my blog, as I've always been a pessimist. Epic Trail? Epic Tail? Epic Tale? Haha.

I had to resort to transferring funds from my US bank account to my Canadian bank account. I'm not very proud of that, but I don't think I can get away without eating until pay day (February 15).

Also, I'm not going to be able to make the Debtors Anonymous meeting tonight. That's disappointing. I'm extremely tired, the landlord chose to pick up the rent between 8:00 and 9:00 (well, I don't even know if I can stay awake by then), and I have to call my bank to figure out what my options are for the credit card. That's the most important thing. I think I get a five-day grace period, but I won't be able to come up with the money by Thursday.

Finally, I'm relatively disappointed in myself for spending money on junk today. It wasn't junk food, really, but I could have saved this money. The positive? It was so tasty.

Muffin: 1.79
Lunch: 6.41
Snack: 3.30

11.50. Goodness. I like this idea of keeping track of my spending, though. It will definitely help me put things into perspective. Off to make that phone call soon. I'll let you know how it goes... sigh.

On an unrelated note, there's a creepy white van parked at the end of the driveway, blocking it. Uh... are the men in the white coats here for me already? I'm not that crazy, I swear!

Edit: That phone call took, like, three minutes. So I arranged to make the minimum payment of 182.00 on pay day. Phone bill of 138.00 will also be paid on that day. Wince. 320.00. What's done is done, though. I can sleep a little better tonight, I guess...

P.S. I downloaded this yesterday. It's really helping.

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.