self-discipline is not my greatest gift. the car is too great a responsibility for me to handle. hell, i can barely be responsible for myself and my food and my basic well being… i think i’ve accumulated 14 parking tickets already, on top of a traffic violation for having a faulty headlight. i have a court summons because of some unpaid car fees (probably the late registration), bringing my debt on account of the car upwards towards 2K… and the car’s only worth about 3.6K…
because i’m still stupid about seriously getting a job and believing it would affect my life career (though i’ve never believed in those life-long careers), i have no income to pay my credit card debt nor my phone bill (nor my car insurance for that matter). the cc ppl called me earlier, asking if i could pay 180 by the 17th, at which they’ll take 100 off the debt and not report it to the credit co.s… like that’ll happen… so the credit limit of 1.3K will have been not enough. the cell phone bill comes to 105 a month, and it’s 2 months passed due (0.2K). the car insurance is passed due, and it’ll end if i don’t pay by the 15th. meh, i don’t use the car very often anyways. i had actually planned on putting the car in storage (friend’s or dad’s garage), taking out some loan secured with the car, and paying off that car debt. maybe taking out a few more low-interest credit cards too…
that’s probably not the best idea, as this single credit card is barely manageable. added together, 1.3+0.2+2=3.5K plus any addition debt to friends that i’ve accumulated. not to mention the 4K i still owe my aunt for bailing me out of the scam/AE. and also that 10K that i kinda owe mom. she lent it to me for holding, but i used it up, thinking i would get a job (still job seeking back then) and pay it back… so 3.5++4+10=17.5K… ok so half of that is really family debt that kinda doesn’t count, but still it’s more motivation for me…
i now have more knowledge about budgeting, tasking, calendar reminders, and such. one doesn’t really need that many finance books to get the tips and tricks you can find on numerous finance blogs and information sites. why pay more to save? now it’s just a matter of making use of the tips and tricks i’ve learned with doing nothing at all. now it is just time to find the courage to deal with a temporary income source that WILL NOT affect my future, no matter what it is. after all, all paths are stepping stone to the meaning of life, no?
