fix my credit

I’ve never been bad with my money per say
I just never cared.
My way of thinking has always been if I’ve got shelter, healthy food in the fridge, and can afford to enjoy the simple things in life I love then I’m happy;
art, music, travel, conversations, learning.
But lately.. I don’t know.. I feel the urge to spread my wings, build something; investing, starting corporation, and nonprofit, writing my book, selling art, collaborating with people, all this getting my ducks in a row beginning with strengthening my credit.

This’ll be quite the challenge since all I make is SSI and I’m $1500 in default from being young and stupid, but I’ve got an idea what to do next..

I already have checking with both Chase and B of A.
I applied for a secured credit card with B of A.
I opened a savings account with an e-bank that has excellent interest.
As soon as I get approved for that credit card I’ll apply for financing on a video camera.

So the Nevada Power I was ready to pay in full got sent to collections early without any notice and now I feel even less inclined to give a damn since it’s already a blemish on my credit report, but at least my $210 hospital bill from a few months back is getting covered by my insurance.

Alright… Got approved for the apartment by the skin of my teeth..

Called Nevada Power. Looks like I have until June to pay off that $181 before it goes to collections.

Balancing finances is more like juggling knives.

As of this morning my account with Vonage is closed and paid off, officially one less bill I need to worry about later..

I’m not thrilled that the $475 vet bill will be on my credit report by next month, but at least can take a sigh of relief that with some luck I’ll be approved for this apartment before it’s viewable, and’ve set up a low payment plan with Collections..

Also called the Power company. I owe them $181, but that’s in limbo for now.

I’m looking at my credit report think’n, “Jesus, how’d I I get myself into this?”
Honestly, I’ve no intentions of ever staying anywhere long enough to own a house, and being legally blind it’s not as if I’m looking to buy a car.
I just dislike the blemishes; a couple movie rentals my ex never returned, a cell phone mishap, a trip to the vet that blew up in my face, bills piling up on the verge of collections..
Caught in transit leaving Vegas to live in Seattle I should be saving every cent, but instead I’m juggling hoping I can make these finances work…

Today I called Vonage, a bill I’d let slide robbing Peter to pay Paul, but instead of having to cancel switched to a transit plan, which I wouldn’t have wanted since I have no idea how long it’ll be before I’m rooted except they credited my account $15 giving me 3 months to float on without fear of collections..