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Archive for August, 2009

Dealin's with the devils

August 30th, 2009 at 05:33 am

Of course, I am speaking of Chase and Citi! I learned the secret ingredient of "the hardship" department and may wonders never cease!
Chase: lowered us to 12% with a set monthly payment for the life of the loan. Better than nothin and I'll take what I can get.
Citi: 0% and a set payment for the life of the loan.
Of course, barring no payments are ever late and yada yada.
With Citi, I had to let them automatically deduct it from our checking account. This makes me CRINGE!! However, I am thinking about opening a new checking account at a credit union and can just leave this payment coming out of the old account. We'll see. I am excited every penny will be going to principle!! Smile

OMG!!

August 23rd, 2009 at 03:03 am

This is insane! Our local Hummer dealer could'nt sell his autos any more. So he has become an ARMS DEALER TOO!! Hummers on one side, automatic rifles on the other. I guess its whatever it takes in this economy, but OMG! Got Glocks??

Citi card update

August 18th, 2009 at 11:26 pm

I waited my 2-3 business days and called Citi today to see if they had lowered my interest rate. Guess what? The request for reevaluation of my account was NEVER TURNED IN BY THE REP! Figures - right? So now it is turned in and I have to wait what?? Yes! 2-3 business days and call back. UGH! And my payment is coming up, so they better get their act together quick!

As BA spoke of business karma, I received an email from Citi asking about my customer satisfaction on my last call. Well, I told them what I thought. I was told by the current rep on the phone today, that it will reflect back on that particular customer service rep, so GOOD! She was polite and nice, but just failed to do her job.

Job ended sooner than we thought

August 18th, 2009 at 12:32 am

The friend I baby sit for had her baby today, a little early. A healthy little girl.

I had figured up the bills hoping to get two more checks in August. Am hoping to still be able to do some sitting this week so that I still get my check Friday. Will try to sell some stuff on ebay to make up for some of what I will miss from the one on the 28th.

I had applied at the school district for subbing, I just have to drop off my background check form and a $9 money order for them to send it in. Picked up two cleaning jobs that will help out some.

We have a $75 rebate Mastercard coming. Am hoping to use this for food.

I can see why people commit suicide over credit card debt

August 15th, 2009 at 09:12 pm

I have been thinking about this post for a week or so. We got hit by one of the big ones, they "did'nt receive" our payment on time. I paid it electronically, but some how it did'nt go in their system on time. We were jacked up to 29.99. DH hit the roof, screaming and yelling, and it was just ugly. I have called them twice (this being Chase). The first time the "customer service rep" and I use the term loosely, would'nt move me on to a supervisor. It is bad enough, they don't speak English, but they are also rude. The second time they did move me onto a supervisor but with a comment of "There is nothing they will do about it". She told me "Chase negotiates with NO ONE." Kinda made me feel like a terrorist, instead of a customer. Will try them again.

Then came the second hit, we owe a HUGE amount to Citi. We are paperless. They send a reminder once a month that your bill is coming up to pay, but no date or amount, just a reminder. My payment has always been the 4th. I ALWAYS make sure to pay this on time so that nothing happens. Guess what?? Yep, my payment was moved to the 3rd. BAM! 29.99%. Oh, and your payment due is now something like 847.00! Their customer service was kinder and she said it could be reversed after she talked to a supervisor to call back in 3/4 business days. We'll see. I have'nt told DH yet, because I am waiting for their response.

I can only begin to describe how this made me feel. HOPELESS is the first word that pops into my mind. Frustratingly hopeless, that my government gave my money to these banks and they do NOTHING but help the American people. And HELPLESS is another one. Yes, I entered into a contract with these people, but nowhere did I state that I was perfect. I always pay on time and try to pay over the minimum due. Ugh!

I cried when I found out, I cry myself to sleep, I wake up with a feeling of dread and a little despair. Where will the money come from. Where can I get a second job, HOW will I pay all this?? The cards are cut up, yet they will be with me for years. This is what happens when you try to live off of credit cards. I am already desperately teaching my children how to save for what they want and NEVER be a slave to credit.

No, I will not kill myself over this, only learn from my mistakes and try to pass on a little knowledge learned, but I can see where these feelings might push another right over. Your life insurance could pay off all of your families bills and they would never have to worry about it.

Will let you know what happens with Citi. And I will try Chase again! I will fight even if it is useless.

Still a Financial Mess

August 11th, 2009 at 02:58 am

I think the day I finally get out of this, we will all sing "Glory Hallelujah"!!
Basically, the last year or so I have just been juggling, but when I came clean with DH I stopped robbing Peter to pay Paul (for the most part), so now we are really living in the doodoo! Still trying to work out with DH exactly what "our" plan is. Most of the time he is still yelling and accusing, so it is taking time. My job will be on a six week hiatus when my friend has her baby, so am trying to make plans for that time as well. DH wants me to take a new job and put in my two weeks notice after 4 weeks, but I can't do this for 2 reasons: 1)ethically speaking, it is wrong 2)it is nearly impossible to find a job still! Stick Out Tongue We'll see what happens. I am still going to apply for subbing and try middle school in hopes of getting a better chance. So many out of work teachers are subbing right now, not sure what will happen.