pay off my bills

After the realization that my bills had gone down significantly, the rest of them came back with a vengeance. My credit card payment is going to be late right in time for this lovely ‘credit card bill’ window we’re in.

I’ve been a good customer with very few late/overage fees over the years but even so, I was hoping not to test the waters of that particular quagmire until after everything had settled.

Yay, for the fact that my credit card company has a hardship program.

Boo, for the fact that I called a bit late for it to kick in this month meaning that I either need to scrape the minimum payment up [not likely] or suffer the consequences next month and onward until I can cover the payment.

Let this be a lesson to anyone out there who, like me, might be having financial difficulties. It’s worth calling the company well before the due date of your cards to see if you do qualify for one of those programs.

My debt is small now. So small. Less than 2,000.00USD. I’ve only got a few bills left and, if I can get in a few study referrals and sell a few more items, I’ll be able to go back to school.

I am happy. Doing that frugality goal last year really paid off. I not only saved money but I learned to really appreciate just what I did have going on that was salvageable.

With the help of the library and the sifted remains from my container soil, I’ll be growing mushrooms for cooking. Something told me not to throw it out and, a few days after I thought about what I was going to do with it, the idea of growing mushrooms came to me. Considering how much I’ll have by the time I finish sterilizing this soil and sifting it, I’ll have enough to double any mushroom kit I get, at the very least.

I’ve been paying them down. Even if it’s only ten to fifty dollars at a time, I’ve been throwing the money at them when I can spare it. I am determined to have one bill paid in full by the end of the year, hopefully.

I’m going to have one bill partially paid off and I feel good for taking responsibility for something that’s not technically my thing to do.

I REALLY need to do this one now. I’m slowly transitioning into getting my own place for the first time and having a good credit rating could mean the difference between “Ahhhhhhhhhh…” and “ARRRRRRRRGGGGGGGGGGGGGGGH!!!”

From now on, my other goals involving being more prudent and fiscally responsible will be of paramount importance.

No frivolity on the credit card or with money at all, including no take away, delivery, etc snack food.

Textile material will only be bought for the purpose of sales and/or creation of utilitarian items for personal use. In essence, if I’m not making sales for other people, I’d better be making clothes for myself. Other than that, NO BUYING YARN OR OTHER KNITTING SUPPLIES!

I may seem as though I’m being harsh on myself but I really want to get my own place and eliminating any obstacles between myself and this goal are foremost in my mind.

I took care of one bill earlier this month as a result of my taking care of the Pay My Credit Card goal on my 43things list.

In short order, the bill for $140.00USD was wiped out. Now, I’ve just got to take care of the other bills in the Arsenal of Debt which is a grand total of not more than $3,500.00USD. There are probably others hiding somewhere and I’ll take care of those as soon as I wipe these main ones out.

Now, to answer the psychotic freak who keeps ringing the telephone over and over. 100 rings so far and counting… terse look