“Have you ever been late on your mortgage payment?” That was one of the first questions I was aked when I talked to the loan consultant about my refinance.
This conversation took place in early November and I still had not paid my October 15th payment. I had seen a copy of my credit report before [...]
I added up all my debts, how much the minimum payments were, and the amount of interest I was paying every month and when compared to my income, it looked very unlikely that I could even continue to make all the minimum payments. Obviously, I have to pay a lot more than the minimum due [...]
I know I can’t just keep paying the minimum payments and get any closer to being debt-free. Also, when you have 18 accounts to keep up with, it’s very stressing. I work a rotating shift (some days, some nights) and sleep is very important to making it through those night shifts. Lately, [...]
In a previous article, The Effects of a Missed Payment, I wrote about my attempt to convince my credit card company to forgive my missed payment and lower my interest rate back to the 5.99% I was paying before. They said I would receive a letter with the decision once they had reviewed my account.
I [...]
In the article The Red Camera That Put me In The Red, I told how my mistake with my checking account led to numerous overdraft fees and one of my credit card payments being rejected by the bank. This wasn’t just any credit card either.
This was a card I had paid off once before and [...]
We’ve all heard the expression about the straw that broke the camels back. Obviously, a piece of straw is very light, but if you keep piling straw onto a camel, it will eventually be more than he can carry.
I can pinpoint the event that really gave me my wake up call and sent me into [...]
