pay off all my debts

Called AFNI and Banner Desert.. and I must say, I definitely feel growing pains right now. AFNI was actually ok this time, but when i called Banner Desert the guy was kinda rude to me because I screened all of his calls after May 2009. I did make some progress with both places, though. It is tough having to pay for past mistakes when you just want to move on.

I really miss going to the gym, so my first priority is paying Pure Fitness back. Hopefully, it’s not too much money now. :/

Now I just owe Sprint($400), Banner Desert($550?), and Pure Fitness($400) and then I will be done.

Goodbye Capital One! After today I will not hear from you ever again unless I happen to get another credit card from you when my credit is not as screwed up as you guys made it. :)

The credit card is not my only debt I have. I just feel like once that is out of the way I will feel more like I can whack away at my other debts. I owe Capital One, Sprint, Pure Fitness, Banner Desert, and I owe money for my new cell phone, contacts, and car battery. And to let you know.. typing this is very scary for me. What I wouldn’t give to not have this goal.

my credit card will never get paid off because even when I try to voice my solutions to the problem I get shot down. Fuck. My. Life.

Going to see about getting an advance in pay so I can rid myself of credit card debt once and for freakin all.

ok, I need to report this: before I even started writing about it, I would just avoid the topic, but I must say that one day I came across a very profound quote by Julia Cameron in her book : ‘the right to write’ : “If you can write about it, you can handle it.” It is so, so true ! Next thing, I told my new boyfriend about my spending addiction, it was very hard and I felt stupid, but I thought that it was a good sign because I had just realized how stupid the situation looked from the outside indeed. Yes, when you tell about your addictions to other people, it feels as if you were watching your own behaviour from an external point of view and you picture yourself as a character… and that’s when you stumble on the truth and you suddenly stop and start thinking… I’ll tell you what: truth doesn’t hurt, it’s just an act of reflection on things and consider it rather as the energy you would normally use on spending. The more you think, the less you spend, for you are too tired anyway to go shopping for windows. No, but seriously, I started reading another book by Julia Cameron (the writing diet) and it works just as much for overeating as for overspending. Those are the following questions I slightly tranformed :

when in situation, ask yourself :

1. do I have the money?
2. Is THIS really what I want to buy?
3. Would I use it NOW?
4.Is there sth cheaper I can get elsewhere or is there sth else I need to spend my money on (something more important?)

Watch yourself, keep a journal, don’t judge and write down what you spent your money on and how much you have left. Start saving for a project you’d love to see come true (even if it’s just pennies). Save a coin everytime you can because you have a cash-flow. I call it my ‘emergency case’. It works for me and it’s just the beginning. Consider your life like a kindergarten full of uncontrollable kids. Do you see the one with their parents’ credit card? take the hint : THIS HAS TO STOP.

Less than $6,000 to go!

I’m finally down to a mortgage payment, which I should be able to pay off nearly ten years early, and one personal loan…YEAH!!!

The personal loan should be paid off by Christmas. I hope to have enough saved up to buy a new car this time next year, without any additional debt.