Nomorecredit's Personal Finance Blog

I officially hit rock bottom (repo)

(Anonymous) — Fri, 28 Aug 2009 00:12:40 PST

Yup, it finally happened. Rock bottom. I thought getting my gas turned off a few weeks ago (can't remember how long it's been. I had the money to turn it back on and then guess what? I had a HUGE filling fall out and it was incredibly painful and absolutely could NOT wait to get...

Update on my and how much life stinks

(Anonymous) — Tue, 18 Aug 2009 05:16:43 PST

Just a quick update since I haven't updated in forever.

I have multiple bills in collections since work has been disgustingly slow at my primary job. It's a mess. Just trying to keep everyone at bay and give them at least a little bit to keep them at arm's length.

For the past...

Figuring out what to do..

(Anonymous) — Thu, 11 Jun 2009 14:55:43 PST

First of all, thanks everyone for your comments on my last blog... I really, really appreciate it.

So as a comment said, hopefully I can FOCUS now. There really is so much going on... bills and otherwise, so focus is important.

My fabulous mother has offered to lend me $1000......

Hey all, just an update (none of it good!)

(Anonymous) — Tue, 09 Jun 2009 14:27:02 PST

I haven't been here in a while. To say things have been crummy would be the understatement of the century.

On the financial side, my finances are in complete ruins. I'm in such awful shape. I've been a member here for a while now, and things have gotten worse. Work has been...

Is Chase playing an April Fool's joke on me?

(Anonymous) — Wed, 01 Apr 2009 13:29:21 PST

There's a card that was WaMu (forgot what it was before that a loooong time ago) that I never ever paid late ever but they kept hiking up the interest rate like crazy. Sigh. Least year I owed something like $9,000 on and had a minimum payment of $291 a month... ouch. But I've gotten...

Have no clue how our tax refund is so big...

(Anonymous) — Tue, 17 Mar 2009 15:57:59 PST

So I thought after our GIANT tax refund we got last year that I managed to adjust my withholdings so that I would get just a very small refund (like $200 or something) as like a pillow to make sure I didn't owe.

We went to do our taxes today. Last year we went to stupid H & R...

Dealing with collectors...

(Anonymous) — Mon, 16 Mar 2009 14:57:45 PST

So although I've been trying to get better with debt and up until recently have never paid a bill late, like a lot of people right now there are circumstances that are causing me to miss payments, miss bills, etc. To put it bluntly, it sucks. I've been getting a lot of calls... I...

Another difficult week...

(Anonymous) — Fri, 13 Mar 2009 07:32:03 PST

So I went outside today to see a handy pink flyer on my door. Yup, water shutoff notice. Saying we owe $600!! WTH, I had no idea we owed so much!! I'm seriously going to start limiting our tenant's water usage or just jack his rent up insanely. (In our area landlords ALWAYS pay...

I'm baaaaaaaack!

(Anonymous) — Tue, 10 Mar 2009 17:37:29 PST

Hello, fellow Savingadvice bloggers. I'm back. Obviously back blogging, but I mean back in the sense that my "woe is me, I'll never pay this all off!" has changed into "Ok, man up and DO IT!"

I had a few horrible awful months. Seriously... just.. yeah, just bad. Don't want to...

VICTORY IS MINE!

(Anonymous) — Thu, 05 Feb 2009 19:28:15 PST

Ok, maybe that's being dramatic. ; )

I decided to call Citi about my interest rate jumping from 6% to a whopping 24% on a card I've never payed late ever. I had learned about this a week or two ago (there's a blog entry about it, too lazy to go check out the date) when I logged...

If I have to SEE my debt ALL the time...

(Anonymous) — Mon, 02 Feb 2009 17:46:51 PST

I thought maybe SEEING all my bills in a VERY OBVIOUS spot would help me 1) pay them on time being that I wrote the dates on the outside and 2) be a reminder of what I'm doing, WHY I'm doing it. When I get a bill in the mail, which seems to be ALWAYS, I can tape it up with the rest...

Ok, now that the tantrum is over, let's focus.

(Anonymous) — Sun, 01 Feb 2009 09:18:31 PST

Focus, focus, focus.

I think I'm getting an ulcer.

I MUST MUST MUST get current on bills. It's SO DIFFICULT with the last few months we've had and it being so slow at my main job. I got absolutely slammed at work the last week, and this upcoming week will be like that too....

That's it, I'm done.

(Anonymous) — Tue, 27 Jan 2009 16:23:31 PST

Well, I've hit rock bottom. I don't know what to do anymore. I've been working so SO hard at my two jobs, my budget is already bare bones, I HAVE NOTHING, have sold everything but my soul.

A cc that we owe a bajillion dollars on, the interest rate nearly doubled. We're screwed....

HUGE NEWS!!!

(Anonymous) — Sun, 18 Jan 2009 08:43:19 PST

OMG, OMG, OMG, OMG!!!!

Guess what?!?! Guess?!

MY HUSBAND HAS A JOB!

There's a few catches. He'll be on a two-week probation period. He explained his health issues, so they're giving him two weeks to see how things go, if he can handle it, etc. It's going to be interesting......

Ten no spend days...

(Anonymous) — Sun, 11 Jan 2009 15:59:34 PST

Well, if you read my last blog (or second last... whatever) Anyway, I had said I was going to see how long I could wait in 2009 to not spend anything, but finally of course there was stuff I had to buy... I needed gas, toilet paper as well as shampoo, so I did have to spend money...

oh yes, $250 for meeeee!

(Anonymous) — Mon, 05 Jan 2009 13:44:52 PST

I came home, got the mail, which I always dread. There was something from my insurance company and I opened it and it was a check for $250!! Woohoo!!

Of course, I don't get excited about it when I remember my car deductible is $500, and that was what I had to pay last year when...

Three days in, no money spent.

(Anonymous) — Sat, 03 Jan 2009 07:47:05 PST

I still haven't spent any money in 2009 yet!

Yesterday I was going to swing by the store and get a cup of cappuccino, and I had a buy one get one free coupon, but I figured no sense in throwing off my whole game for $1.07, or however much it is.

I realize I should have made...

How long can YOU go without spending money in 2009?

(Anonymous) — Thu, 01 Jan 2009 08:14:10 PST

Ahhh, a new year! GOOD RIDDANCE to 2008, I say! I think it was the most difficult year I've ever had.

So it's 2009, a new year, a new start. I was just thinking this morning... I wonder how long I can go without spending any money?

There's some little "rules" I've made for...

Taking a break from feverishly working to update...

(Anonymous) — Sun, 28 Dec 2008 10:29:06 PST

So Christmas has come and gone... we didn't get gifts for anybody, not even ourselves, and told everyone not to get us anything. But of course people still got us stuff, which is cool : )

I had mentioned that our friends gave is a $100 gift card to Wegmans, the most awesome supermarket...

Generous friend

(Anonymous) — Sun, 21 Dec 2008 07:34:20 PST

Last night our friends came over. We had made the NO CHRISTMAS gifts rule very clear. And they're probably the only people who know us in real life who know our crummy financial situation.

Well, when our one friend handed my husband a card and me a card, I figured it was just...