As most of you know I have no money right now. Somehow I have to come up with money for a plane ticket to Louisiana in March to see my brother and my baby nephew. Apparently I am trying to buy a plane ticket to the moon because plane tickets to Louisiana are running about $400 right now. Are you kidding me? I could fly to Florida for half of that amount! This is pretty much how much is costs year round to fly from Boston to Shreveport or vice versa.
I did the unthinkable. I applied for another credit card and guess what? I was rejected. My credit is really not that bad. My problem is that my other cards are maxed out so I was rejected. At first I was pissed, but then I took it as a sign that I need to get a grip and not use a credit card for this plane ticket. I also tore up that rejection letter and threw it in the recycling (I still save the planet even when I'm pissed off).
Once they send me a credit card offer in the mail at some point in the future (I know they will). I will happily return to sender with a big REJECTION written across the envelope. I reject yoooooooouuuu!
I feel pathetic right now. I don't have a bad job and I make ok money. Not great money but I can't complain that I'm poor because I don't make enough to support myself. I'm poor because I used credit cards a lot when I was in college (for tuition, books, car repairs and personal stuff that I really didn't need) and now I have high minimum monthly payments and I refuse to be late or pay below the minimum balance.
Bosco's teeth pulling and cleaning really screwed up my finances and now I'm going to have to pretty much drain my savings. This means my car will crap out on me. It's good like that.
"Oh, you have no money? Well I need a new alternator."
"Oh you have some money? Well here's a blown gasket for you. Enjoy not having a savings anymore."
I need a vacation.
I need more money.
I need a vet that doesn't charge me a fortune.
I need a margarita or 5.
This is why I don't have animals. I mean, I don't have animals because I don't really LIKE animals and if it came to pulling out it's teeth or visiting my nephew or your food or my food.... obviously I'd be the worst cat mother ever. Pets are just not in my finances.
ReplyDeleteI did a ton of credit card spending during the 7 months I was unemployed. I hate myself for it every time I have to fork those credit card payments.
Growl.
Lor
I wish I could have talked with 18 year old Ginny and told her that she really didn't need that new pair of shoes.
DeleteI had huge credit card problems a few years ago and used a debt consolidation program. They were really helpful and it didn't hurt my credit at all. If you want the info, let me know! I think it's MD/DE/VA based but they might be able to recommend someone legit in your area!
ReplyDeleteHang in there!
I'm going to try to do it on my own and see how it goes. I'm not behind on any payments I just need to pinch my pennies more.
DeleteI wasn't behind either but was stretched pretty thin. Good luck! :D
DeleteI made the mistake of applying for a STUDENT AmeX card when I was a student. They rejected it because some people that went my college didn't pay their bills or changed schools. That was their excuse, no lie.
ReplyDeleteI couldn't get a card because, SOME ASSHOLE I DON'T KNOW IN MY BIO CLASS DIDN'T PAY HIS BILLS. Does that make sense? I actually stumbled on the letter recently. Apparently I kept it because I wanted to sue them for discrimination when I had some spare money. *cough*
That is ridic!!!
DeleteI'm freaking out about money right now too. I took all of last semester off of work/school, and I was able to make it through that time. But now I'm back at work, was supposed to get paid yesterday, but something went wrong with payroll. So now I have to wait until the next pay check with only $44 to my name. And a credit card bill, and a cell phone bill, and rent, and no groceries. It all hit me last night and I barely slept a wink I was freaking out so badly. :(
ReplyDeleteHang in there.
That is just wrong! I would be so mad if that happened to me :(
DeleteI can help you out with the margarita part. :-)
ReplyDeleteWhy thank you! ha ha
DeleteI need those things too. Good luck finding them!
ReplyDeleteYou too!
DeleteI think you need a HUG.
ReplyDelete*hug*
Aww Harley you are so sweet! Irish hugs for meeeeeeeeee!
DeleteI hate credit cards. Mostly because I haven't been able to use any in 3+ years because I put them on a debt management program so I could, you know, PAY THEM OFF. I don't even care about my credit right now, I just don't want debt anymore. I'm so excited for the day when they're paid off. I mean, I'll probably use them again after, but it's nice to have that option for emergencies.
ReplyDeleteI get great satisfaction out of ripping up all credit card offers that come to me.
I know a lot of people that like to send back the return envelope filled with random shit. The more you can put in it, the better- they only have to pay the postage if it gets mailed back, and if it's heavier, they have to pay more in postage. REVENGE!