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Productive, I think

This morning I cleared up an outsanding traffic warrant (cost me nothing, thank goodness) and had an enlightening talk with one of the loan officers at Wells Fargo Financial. I am in somewhat of a cleft stick financially...because of the student loans, my debt ratio is absolutely horrible (in the 80% range) and even though I have little in the way of credit, it's pretty much maxed. The result is, of course, that I have a credit rating on a par with Argentina or Peru and no World Bank or IMF to bail me out. I did manage to get MBNA to back off the interest on the MasterCard, though, and change the payment date to the 20th. This should help a lot. Clamping down on my expenses should also help...need to start brown-bagging more and eating out less. *makes note to pick up sandwich bags along with the TP tonight*

Someday the refund from the state will show up, along with the student loan...probably on the 14th, the way my luck is going. Also, if I'm lucky, I should be able to avoid getting hammered too badly by the Feds and the state this time when I file my returns. We'll see how that goes...am still paying off the IRS for last year's return, which reflects all the horrible stuff that went down in 2003. Gad, what an awful year that was. Not quite as bad as 2000, but pretty bad.


( 5 comments — Leave a comment )
Jan. 7th, 2005 07:51 pm (UTC)
you need to go to less cons

I just won't do anything once money gets low, and I'm not afraid to tell people that I'm strapped for cash (that I spend a lot of time around students - they understand)

credit cards are evil evil things, I just paid mine off and of course i get hit with a $600 bill for those tires.

But i'm afraid of debt, very afraid of debt. I bring my lunch to work 4 out of 5 days, usually eat out once every two weeks when I didnt have time to make a lunch or I didnt have anything at home but generally I find that i spend $3 to bring my lunch and about $8-$9 when I buy
Jan. 7th, 2005 09:27 pm (UTC)
you need to go to less cons

The appalling thing is that most of the cons I went to last year were on account of the AD2K4 Victory Tour, so they didn't cost me all that much. Where a lot of my money went was on eating lunch instead of brown-bagging, parking when I should have been busing, and similar instances of trying to live the jet-set life on a crop-duster's income. I didn't need to spend $65 at the Arcana auction. I could have gone home and cooked dinner instead of eating ribs at Famous Dave's.

If I had a tenth of your fiscal discipline I would be a lot better off.
Jan. 8th, 2005 04:55 am (UTC)
fear can be a good thing sometimes
I'm just so afraid of being poor... and these days I keep thinking "I can get divorced sooner if I pay off my car sooner" so i have incentive.. not that it'll keep me from going out for sushi like once a month (not Ichibans once a month though)
Jan. 8th, 2005 12:47 pm (UTC)
Re: fear can be a good thing sometimes
Eating out is horribly expensive. Ordering pizza is even MORE expensive.

Jan. 8th, 2005 06:06 pm (UTC)
Re: fear can be a good thing sometimes
Well, having been on welfare for a number of years when the kids were young, you would think I'd have acquired a healthy fear of being poor as well, but it didn't work out that way. It may be because we were land-rich (there was always the house, which came first) for most of that time, but I think it may have had more to do with being too distracted by life to be properly scared.
( 5 comments — Leave a comment )



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