Wishes don't count for spit

[veracity]

There are times when I wish with all my heart I hadn't fucked up my credit to hell and back when I was 18. Seriously, like you would not believe. Along those lines I wish I had a steady job. I want my own place. Condo would work for now. I just need my own space. I love my godmom, like you would not believe, but I can't handle living with someone

Comments

[veracity]

*laugh* Thank you, I needed that laugh muchly. They totally could have skipped one of the useless classes...or here's a REALLY way out there thought: when doing the economics project about "living on a budget" use a realistic model. 50k a year is NOT realistic for most people, and of course the high schoolers are going to choose that job cause hello, makes the most! It was an easy A because no one took it serious. We didn't have to. I think that would have been the smartest idea. Of course, people suck anyway.

My daddy had to work two jobs because my mom was fucking up their credit line. So, I had crappy examples to begin with. And my godmom has always had money, so I didn't understand how to do it. It would have been a better idea. I want my own place, own space. I had no idea about credit scores at 18. And don't get me started on that credit score thingy, that number. I don't think I break 600. I just wish I had the ability to move out now.

[veracity]

Oh, I remember a good bit about economics, especially that project. I think I made like 21k a year, but split the costs with two other girls in class, so rent and everything was like teeny. Not the most ideal experiment. And we watched some cracked out video put out by Exxon or something like that. About the bartering system. I fully believe it's an effort to stay rich by the credit card companies. I've said since I got waist deep in debt

hey stranger

[between2men]

It's not good to get stuck.. You ready for a horrible analogy thing..

a truck gets stuck.. it has to go back and forth numerous times.. sometimes more backward, sometimes more forward, but eventually, it gets out.. and along the way it's figured a few things out.. I hope you figure things out and move forward continuously once you're out.. I know I've been MIA, but that don't mean I don't care.. I'm crossing my fingers for you hoping you get through what you're going through with ease.. cause you will get through!

Re: hey stranger

[veracity]

Well, it certainly was a surprise to see your name on here since I haven't heard hide nor hair for a really long time. I'll get out of this, I always do, but right now, I'm digging deeper without moving. That is what is so frustrating.

[theakashicmind]

Hey, at least your credit score is better than mine! And that's after I've paid a lot of stuff off and made are payments on time (even paid it off early somehow). Now I have to worry about that pesky $25,000 student loan. Have you thought about debt consolidation? Or even (I hate to bring this option up) bankruptcy. It has such a bad rep, but it can be a big help and it does come off your credit report.

Do you have anyone you trust that will co-sign for you? I thinks that's the only reason I've managed to get anything I have now. My ex-bf helped me out so much.

[veracity]

Well, I only had about 10k in debt, so that's partially why, I'm sure. I thought about debt consolidation, but that requires a steady income first. And I could probably pay them off by the time I get that done. I thought about bankruptcy too, but for 4 grand it seems kind of a waste of energy, you know? I might end up doing that eventually at this rate though.

I have my godmom who has offered to cosign with me, especially for things like a car, it's just a matter of proving I can keep a job. Tomorrow I'm going to look back into kennel work. Work is work, and I need it at this point. No point being picky. I'd like a car that doesn't look like the junkyard rejected it (it has HOLES in it). My godmom has perfect credit, so that would be a plus, for sure.

[theakashicmind]

Yeah, for that small of an amount, it'd be pointless. I thought about doing it for a while, until I finally got to see my credit report. I have 4 outstanding medical bills totalling $300 (and one for $900 that hasn't shown up yet). I figure I'll pay them when I get to it. Part of my student loan went to paying off the stuff the exhubby left me. Somehow I managed to put myself further in debt trying to get out of it. But I was pretty desperate at the time.

Work is work, I know that feeling. I had one interview today(WaWa) and she scheduled me a 2nd interview tomorrow. I also have an interview with Blockbuster tomorrow. So I'm sending you the good job vibes now ~*~*~*~*

[veracity]

Precisely. I mean, I could have it paid it off fairly quick if I had steady work that I could put back half my paycheck and work towards digging myself out. 300 and 900 isn't worth filing all the paperwork involved either. Not right now. And I understand digging deeper when trying to get out. It's not always easy, like people make it out to be. With the epidemic going as in the country, they'd make it better.

Woohoo, hopefully you get it. I wish I had better credit because so many jobs now run a credit check it seems, which wtf? I hope you get one of those jobs. Steady income is a good thing.