I thought I’d post a small update on how things are going since I haven’t in a while. I’ve been focusing more on helpful things than my personal issues but I wanted to at least share some information on topics that I’ve covered in the past.
1. Chase Bank
Yes, I hated Chase Bank. Yes, I said they raped me because of the credit limit and interest rate slam. But that was yesterday and all I can do is move forward. I am still paying the monthly payments that were set up as part of the Hardship Program and even added the other Chase card to the program as well. The card was already closed and it doesn’t affect my credit score negatively; in fact if you’re having problems paying your bill I would actually recommend a Hardship Program. It lowered my interest and payments and the balance owing on the second card was actually lowered as well. So although we’re not dating, we’re at least friends. Not BFF’s but at least I don’t break out into a rash when I think of them.
2. Canceling Satellite
I still think canceling Dish Network was a great decision. I’ve saved $70 a month for quite a while now (almost a year) and have lived just fine on DVDs. I will admit that once in a while when at my parents’ house or a someone else’s normal homes, I do miss cable television shows. Never enough to add it back though and pay the monthly fees.
3. Canceling the Land Line
What land line. I’m about to throw away the land line phone actually because I don’t ever plan on having one again. Saved at least $30 a month and this I can say I don’t miss it at all. In fact, I will go as far as saying that I think land lines in homes will become a thing of the past. Cell phones are more than capable of handling phone needs. It almost doesn’t make sense to have a phone at home AND a cell phone. I never did try a pay as you go phone, which would probably be cheaper, but since getting the iPhone I’ve become way too reliant on it to change anything.
I am still adding money every month to my savings account with ING. Ever since they had that contest that I didn’t win and I signed up for the automatic monthly transfer, the savings has been growing. Let me tell you, even though I forget about it, when I do think about that savings account it feels good. Knowing that you are saving instead of wishing you would each month is almost as awesome as finding free money. Almost but not really.
Things are getting paid off so I can see a light at the end of the financial tunnel. My medical bills are almost paid down as well as the dental bill (after setting up payment arrangements and asking for discounts). My credit cards need more work but I’m paying those down as well. Nothing is in collections and nothing has late payments so my credit score is well on its way back up.
I bought a pair of tall BearPaw boots. Kind of a cheaper version of the Uggs that I wanted, but now that I have them I don’t even want Uggs. These BearPaw boots are awesome and comfy and the warmest boots I’ve ever had. I can wear them with leggings and not freeze to death even though I live in American Siberia. I’m considering getting some for my daughter also.
I’m back in school to finish a couple degrees. I need to not only reduce my debt, but I need to make more money as well and furthering my education can only help. I know what you’re thinking. School loans are going to bring me back down into a black hole in a few years. I plan on having everything in order by then though so all I have to focus on is the school loans. I’m confident it’ll be okay.
Am I still bankrupt? I pay my bills, I feed my child, I’m happy, she’s happy. Yeah, I am kind of still bankrupt but I really can’t complain. It’s getting better for us and it’ll get better for you.