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.
Showing posts with label debt. Show all posts
Showing posts with label debt. Show all posts
Thursday, February 16, 2012
Friday, November 25, 2011
My notice to credit card companies
Dear credit card companies:
I am done being a slave to you. You don't care about me you just care about how much money I'm going to give you. You are sneaky bastards. You hide behind complicated contracts so the consumer has no idea what they are actually signing up for. You hike interest rates for no reason. I'm looking at you Macys card. I always pay on time and you raised my interest rate for no reason. When I asked why you told me that everyone's interest rate went up.
You sit there and lie. You claim that it is important to do the best you can for your customer. It's quite insulting that you even pretend you care. You give politicians money so they won't pass laws that hurt your chances of screwing over the consumer. Why would a politician look out for our best interest when we are not funding their campaign for re-election? It's disgusting how much banks are tied up in our politics.
So this is me, telling you I'm done. We're done! Here's how I plan to finally be DONE with you:
The government is not going to put credit card companies and banks in their place but you can do something about it. Pay off your credit cards. I'm going to have to tighten my belt if I want to get this done but I know I can do it. I don't want to be giving banks my money. I want all that money I pay in interest to go into my bank account. It may take me a few years and I'm going to have to make sacrifices but to be free from debt will feel so amazing. Then I'm going to use my cash back card and pay off my balance every month (I'm doing this with one card right now) so the bank will be paying me to use their card.
I will never use Bank of America. If you can, use a local bank. You'll be helping local businesses and helping to end the tight grip these huge banks have on our society. Learn more here.
I'm working hard on setting up an emergency fund. This is one reason why I got into credit card debt. I would have a big car repair bill and I would charge it because I didn't have the money in savings. No more!
I feel like a movement is starting. People are tired of being a slave to banks and credit cards. The government is not going to help us but we can help ourselves.
I am done being a slave to you. You don't care about me you just care about how much money I'm going to give you. You are sneaky bastards. You hide behind complicated contracts so the consumer has no idea what they are actually signing up for. You hike interest rates for no reason. I'm looking at you Macys card. I always pay on time and you raised my interest rate for no reason. When I asked why you told me that everyone's interest rate went up.
You sit there and lie. You claim that it is important to do the best you can for your customer. It's quite insulting that you even pretend you care. You give politicians money so they won't pass laws that hurt your chances of screwing over the consumer. Why would a politician look out for our best interest when we are not funding their campaign for re-election? It's disgusting how much banks are tied up in our politics.
So this is me, telling you I'm done. We're done! Here's how I plan to finally be DONE with you:
The government is not going to put credit card companies and banks in their place but you can do something about it. Pay off your credit cards. I'm going to have to tighten my belt if I want to get this done but I know I can do it. I don't want to be giving banks my money. I want all that money I pay in interest to go into my bank account. It may take me a few years and I'm going to have to make sacrifices but to be free from debt will feel so amazing. Then I'm going to use my cash back card and pay off my balance every month (I'm doing this with one card right now) so the bank will be paying me to use their card.
I will never use Bank of America. If you can, use a local bank. You'll be helping local businesses and helping to end the tight grip these huge banks have on our society. Learn more here.
I'm working hard on setting up an emergency fund. This is one reason why I got into credit card debt. I would have a big car repair bill and I would charge it because I didn't have the money in savings. No more!
I feel like a movement is starting. People are tired of being a slave to banks and credit cards. The government is not going to help us but we can help ourselves.
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