treating myself
I recently got myself into a wee bit of financial trouble. Well, that's not true. My trouble was years in the making. I spent the past five years living in apartments I could not afford. Well, technically, I could afford the rent but my budget for everything else was extremely tight thanks to the monumental bills I had acquired throughout college and my early twenties.
Things caught up with me this summer and there was positively no more room to juggle finances, shift balances around, delay payments, etc. I was at the end of my tether.
My credit had taken a major hit during my days of poor accounting so there was no way I could get a bank loan to consolidate my debt into a more affordable payment. So I asked my parents to float me a loan and they graciously obliged. From this point forward, I'll send them a modest monthly payment (no interest!) that will help replenish their savings account without decimating mine.
Today the check they sent cleared and instead of going on the shopping spree to end all shopping sprees, I spent the day paying off various credit cards, student loans and other nagging bills. I brought my cable, phone and utility accounts current. I have one outstanding line of credit that I won't be able to pay off in full (a slight miscalculation on my part) but I'll get the balance down considerably and then pay it off within a few months.
It's a good day for me. I used to blow through money like it was job but I finally did the responsible thing and got all of my creditors off my back. However, I'd be lying if I didn't confess to buying myself something today. Wanna see what I splurged on?
Things caught up with me this summer and there was positively no more room to juggle finances, shift balances around, delay payments, etc. I was at the end of my tether.
My credit had taken a major hit during my days of poor accounting so there was no way I could get a bank loan to consolidate my debt into a more affordable payment. So I asked my parents to float me a loan and they graciously obliged. From this point forward, I'll send them a modest monthly payment (no interest!) that will help replenish their savings account without decimating mine.
Today the check they sent cleared and instead of going on the shopping spree to end all shopping sprees, I spent the day paying off various credit cards, student loans and other nagging bills. I brought my cable, phone and utility accounts current. I have one outstanding line of credit that I won't be able to pay off in full (a slight miscalculation on my part) but I'll get the balance down considerably and then pay it off within a few months.
It's a good day for me. I used to blow through money like it was job but I finally did the responsible thing and got all of my creditors off my back. However, I'd be lying if I didn't confess to buying myself something today. Wanna see what I splurged on?
posted by curly mcdimple @ 9:06 PM :: permalink :: ::
