get out of debt

I finally paid off my Kohl’s card….and while that might not seem like a big deal at first, the way it feels to know that I don’t own those people a single damn dime anymore is frinkin’ amazing (I know, I know…my punctuation is lacking…sorry, I’m pretty excited!) So that is one down, three more to go.

So about 2 weeks ago I closed my checking and savings accounts with Bank of America after several months of them doing what I would call “unethical” business practices (i.e. putting holds on my deposits and then allows charges to go through, but charging me a overdraft fee even though technically the money was there…being held by them). (I ended up losing about $140 just paying overdraft fees). So imagine my surprise today when I received a letter from Bank of America saying that a payment of $100 to discover card of charged to my account along with a $35 overdraft fee. Of course, I’d already told Discover to no longer charge this account. When I called them they apologized and said that they would credit the money back to the account buy tomorrow. But when I called Bank of America to inform them of the mistake they told me that the account hadn’t been closed, but was simply “emptied out.” WTF! It’s bad enough that they acted so badly when I banked there, but to allow me to think I had closed the account, when I had only empty it out is just bullshit! Heather, the very friendly and helpful customer service tech, was able to close the savings account, but said I’d have to wait for Discover to credit back the money or pay it back myself before the checking could be closed…at least she removed the overdraft fee. I just wish I wasn’t in debt, I feel like a lot of this could have been avoid if I wasn’t. I’m worried that I’ve really effed up my credit score. I’m worried that I’ll never be able to buy a car…or house…or any of the things that you have to have a good credit score to get…I can’t even get a new checking account…the banks check credit scores now. I’ve tried 3 different banks in town and all three told me that they didn’t want to bank with me because of it…and all I was asking them for is a checking account…not a credit card, or a loan, but a checking account. Anyway…it’s just been a very sad day thinking about all these things.

Debt is killing me! I’m buried by it. My bank account is in the red. And it seems like none of the bills I’m paying are shrinking. I feel like I’m trying my best, but nothing is working. It just sucks when you feel like you getting somewhere and when the next statement comes it turns out your not. I’m just tired of it.

Have you ever looked at all you owe and think, “Holy frinkin’ cow!!! How the heck am I ever going to pay off all of this?” Between school loans and the credit card debt I racked up when I was jobless I’m barely staying ahead of it all. And to top it off the credit card companies keep changing my due dates! I get it set in my head that the payment is due at this or that day of the month and then they change. I pay it late thinking its on time. I know it’s my own fault that I’m in debt, but it doesn’t help when they don’t play fair. I just hate feeling this way, like no matter what I can’t get ahead. Grrrr!!!