Well, I think this week is my low week. The company that wrote my husband bad checks was doing damage control because of the “anonymous” email that went out about them not paying. They called hubby and assured him the “checks were in the mail”. That was Monday. It is now Friday and still no checks. So far 9 people have emailed my husband to tell him they were not paid or had problems with the amount paid. So he feels a little better knowing he was not the only one but sad at the same time for these people just trying to make an honest living getting screwed. He called the other company he worked for last week and explained he needed more money and they told him they would be in touch about it. Well, his direct deposit went in today, it certainly was not more than he was expecting-it was a few hundred less! So as much as he enjoys what he does, we have no choice. He must find something else that pays on time and correctly. Working for yourself and subcontracting is great and has benefits but when you are in a financial crisis, every little penny is needed and we are really screwed right now!
I had a really bad phone experience with my personal bank, Wachovia the other night. When the checks bounced, my husband called them and explained the situation. He told them that Friday when he had cash, he would catch everything up. I guess his excuse was not good enough so they called me. This call I answered. The rude girl demanded I catch up the account by post dating something from another account NOW! I tried to be nice but she really pissed me off and threatened the bank would close my account so I told her to close the damn account and hung up on her! My account is probably closed. I haven’t even checked.
This whole check bouncing fiasco has really upset me this week. Not only are my creditors calling but my 1 car payment is now overdue and our 2nd car payment was officially late yesterday. I can’t pay them. I have no money! I can’t believe the week I am having. I started to cry today on the way home from work. It is not so much the credit cards calling….it is just everything. I work in a very stressful environment as it is and I leave everything at the door but when I walk in I get so irritated now. All we are getting is cut this back-cut that back. No more overtime…blah blah blah! The owners who have so much money are in there complaining that they are having such a bad year. In the meantime they are making hair and nail appointments and spending money left and right! I just want to explode and tell them to get some real problems! My overtime was cut this week too. I played around with my w-4 and changed my dependents. I usually have the most taken out and get a refund. Not now. I can’t wait-I need my money now! I will see how that helps me, if not I will need to cancel my health insurance. I am very scared to but I if things don’t change soon, I really have no choice. The 1st of the month is around the corner and the car payments will be 2 months past due and rent/utilities are due. 2nd jobs I am finding are not as easy to come by like I thought they would be. My husband has been calling and calling for a paper route in the am-even they have yet to call back. We gotta find something. We listed a whole bunch of stuff on Ebay too since it was .20 listing fee day the other day. Let’s see what happens. I am on the prowl too for any work at home job. I do a little mystery shopping and click emails-stuff like that but they don’t pay immediately. I am gonna search my mommy forums and see if I can find anything. I tried some GPT sites in ’06 that were pretty cool but I don’t think they are still doing that.
Gosh, as I was writing this post, Discover was calling so I decided to answer. This was my first collection call answered. The woman couldn’t be any nicer, she really was not what I was expecting. I explained my situation and she told me they would give me till Feb 10th to catch the account up before they report it late. I told her I will try but I am not sure at this point. We are really in a financial crisis. She told me to hang in there and just call back if I can’t make it. She said she understands and that she is a real person and she knows what it is like. Sounded genuine. Now I feel more like crap! I wanted a nasty collector like the horror stories I hear because I am just in the mood.
I really honestly gotta get it together. As I sit here writing this, I can’t stop being so upset. I have been crying today and my head is stuffy. I didn’t stick to any of my goals this week as far as eating right and exercising. My face is breaking out so badly today. It is the worst I have ever seen it. I do not suffer from acne but get the occasional break out but gosh-I really do look like hell and feel like it too. It has to be from all of this. I am never this bad…never.
In closing, I wanted to add that I just got off the phone with Citicards. 2nd collection call I handled today. This guy was not nice and he wasn’t mean. He told me what I owe and I told him I have no money and he said OK can we verify your mailing address and I updated my P.O. Box. He told me to have a great day. What was that all about?
Well we will see what tomorrow brings.
consider consumer credit counseling. it sounds like everyone’s changing terms on you. if so, the raised minimum payments and the rates will overwhelm you quickly. with so many lines, you’ve clearly been living on borrowed funds. that will have to stop. but if you consolidate your debt and negotiate a payment and swear off additional credit, you might benefit from consumer credit assistance.