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Looking into Debt Consolidation

May 23rd, 2007 at 10:13 pm

I am not sure if I had admitted this before but I have high outstanding debt and I am ashamed of it because I am not as irresponsible as it would seem. We all go through a rough time in our life and that was a rough time for me. Bankruptcy is out of the question, although I had many tell me it is the best way out. But really its not. I owe all those people money with tons of interest on these old Credits and Bills, I have to pay them. That was my mistake.

I was doing some research online about and I came across this article Debt Consolidation and I guess there are various types of ways to do debt consolidation and one of them are Debt Consolidation Loans, which is ironic because I am not even sure if half the population would even qualify for any type of "Loan" regarding outstanding debt and when I think of Debt Consolidation, I think of "Consolidating" Debt into a small monthly payment.

Doing further research I know I can contact each individual company to see about reducing amounts and interest owed - but honestly, knowing that is an option, its still an option I cannot afford. Reading the Article on Self-Debt Reduction, I know that is not an option for me.

I also understand the Government does assist with Consumer Debt Counseling so I can avoid any type of Fraud by illegitimate companies trying to take advantage of my mistake.

Still doing more research, I think I may see what the Government has for Debt Consolidation.

Bills & Savings Stuff

November 17th, 2006 at 10:34 am

Ok I have serious bills coming up. My DD has to get her teeth fixed. I am figuring out right now how I am going to pay for all of this.

Here is what I have:

$300 All Weather Tires
$100 Medical Bill
$100 Car Stuff
$990 DD Dentist (Out of Pocket AFTER Insurance)
TOTAL $1490

Also in December I signed up to work the Season on two Saturdays (both those days count as Overtime) which will give me an extra $300.

I Paid my Comcast Bill today $89
I got DD Pictures from School $36.00
DD had Bookfair $18.92
Put money aside for Rent $65
Daycare for next week $90


The Cost of being Sick

November 9th, 2006 at 09:13 pm

$33 for Over-the-Counter
$24 for more Over-the-Counter
$30 for Medication
$20 CoPay

TOTAL $107

Loss of time at work with no Pay PRICELSS. (Only TWO Days PTO every THREE Months)

I have been sick for over 2 weeks with a horrible Cough, the Doc says it is Viral, and it will go away when it wants too.

Funny how my Job consists of Phone Customer Service.

Still not better, improving Slowly.

Sloppy with Finances

November 4th, 2006 at 12:47 pm

Its really BAD LIKE BAD! EEK!

I know, get my Finances in order and keep track of my spending...I am so BAD EEK!

I think I have a problem when I go Grocery Shopping, these last few weeks I have going over my Budget and buying things I don't need. I don't know why I do that. Am I worried I am going to run out of Food or what? Confused

Anyway, after everything that goes through that is supposed to go through I am going to get back on track. REALLY WORRIED about going in the RED.

Went Home Early yesterday

October 31st, 2006 at 07:30 am

Because we have a Sign up List to go Home Early if it is Slow depending on the Call Flow and How many People are working.

I LOST out on $66 EEK! I don't think I will do that again.

In fact I need to tighten my belt again.

This Weeks Expenses

October 30th, 2006 at 07:13 am

Rent $525 ($195)
Daycare $90
Simon $32
Gas $16.47
Groceries $71.75
McDonalds $6.11
TOTAL $411.33

Free?! ????? AM I Nuts??

October 17th, 2006 at 10:07 pm

I got my Rent.com Gift Card today. Its so Pretty LOL!

I am bad, or maybe it was a Good Decision?

I signed up for COSTCO. WHY? LOL. TOO FUNNY.

They had this cute little Thermos that says "Costco Wholesale" on it, I was able to get a couple of Costco Pens and a $10 Cashback. I LOVE FREE STUFF! They were at my work. I am a freak like that but I did get a Membership. But here is the deal! I can Request a Refund anytime! No Trial period or anything! But I wouldn't do that unless I knew I absolutely wasn't using the Membership. THEY ALSO DELIVER!

Also...on a side note...to get the Thermos, I filled out a Credit Card! Which I know I may not be Approved for. There goes a mark on my Credit Score EEK! Frown Kind of embarrassed.

My Membership was $53.30!

Wow its Amazing!

October 17th, 2006 at 08:05 am

HOW quickly, Daily all the money comes out that I have spent over the weekend! Everyday at least $100 comes out...Like I said in an earlier Post, I did not keep track too well...so I hope I don't end up in the red.


October 16th, 2006 at 07:16 am

That is the most rediculous thing I have ever heard. THIS IS TWICE I had to pay it, would prefer to Pay my Bills Online but I cannot seem to do that when the Website is not functioning correctly.

Anyway, HOW Can you Charge someone for PAYING their BILL??? That is just so rediculous!

Two $3 Convinence fees for WANTING TO PAY MY BILL! Next month the website better be functioning so I can Pay my Bills Online LIKE I like to do!

EDIT TO ADD: It is an Automated System via Telephone to Pay by Phone.

Free Stuff!

October 15th, 2006 at 08:16 am

I am Excited! I am getting my $100 Gift Card from Rent.com.

I am expecting my Free IPod sometime in a few weeks.

I also can cash out at MyPoints $50 worth of Gift Cards.

I am close to cashing out at Inbox Dollars for $30.

I am also expecting another Check from Pinecone.

How do Save Gift Cards?

Keeping Track

October 15th, 2006 at 07:12 am

I had slacking in the Keeping track of Spending department. I had been just Spending and seeing hopefully I wouldn't go into the Red. Well, I am going to try to keep track of everything I spent this week, although I am not quite sure....

CC $127
Rent $40
Gas $17
Power Bill $31.80
Comcast $85.41
Gas Bill $24
Daycare $90
Groceries $40
Ad in paper $28
Friend's B-Day Gift $34
TOTAL $516


October 12th, 2006 at 10:17 pm

Hi Jacquelyn,

Today, we mailed your $100 Rent.com Reward. You should expect to
receive it in the next 7 to 10 business days. If you don't receive
your reward within 2 weeks, please email us at reward@rent.com.

Your reward will arrive in the form of a prepaid $100 Visa card that
can be used anywhere that accepts Visa debit cards. It is not a
credit card. You will never receive any bills associated with this
card. It is a prepaid $100 gift from us for being an excellent

Before using your card, you must activate it with your 4-digit
activation code. To activate your card, call 1-800-279-5412 and
follow the instructions provided.

Your activation code is: XXXX

If you have any questions about your card, please read our Frequently
Asked Questions:



The Rent.com Team

Bills and Payday!

October 12th, 2006 at 07:50 am

I have enough to Pay all my Bills and EAT! I am happy. For some reason I think we are ahead one week but we aren't. My friend's Birthday is on the 18th so I can buy her present now too.

All my Bills are Due at Once : (

October 11th, 2006 at 08:25 am

My CC, Power, Gas, Comcast, Daycare and then I have to put aside Money for Rent.

I think since I am paying part of my CC, I could use that for Grocery and Gas since paying it will give me that Balance I need. It is a Secured CC. I could then Pay off the rest next week.

I don't like having all my Bills due at once. Frown

But I do have some Good News! A Company that had charged me after I Cancelled put the Money back into my Account today. Big Grin

Housewarming Party Costs

October 7th, 2006 at 10:12 am

$85 for Food
$50 for Alcohol
$40 for Extras
$25 Hair Updo
$61 for Outfit
TOTAL $261.00

People having a Good Time PRICELESS Big Grin

Preparing for Party. Cleaning like a mad woman. I have so much to do!

Having a Party is not cheap. And I am going all out. This is my first party and I have Invited over 20 People! YES! I cannot believe it.

I do not have time to prepare food. I bought a Chocolate Fondue Fountain I am Excited about using! Big Grin I have to buy the Chocolate for it and Toothpicks.

I also have to buy food for the week and put money on my Prepaid and so many other Costs. I arleady set aside money for Rent for November. Which is the first thing I cover and then I pay any additional bills I may have then the rest of the money is leftover for FUN! I have been slacking on my Challenge and I owe myself some money still. I just need to get these things out of the way.

I still need to buy myself a New Vacuum. But I can wait. I am going to borrow my mother's this weekend.

My Brother was going to help me but then we got into a tiff. So not anymore!

I TRIED to sign up for OT at work and they said they do not need me during the hours I requested. But that is ok, I will make extra money other ways. I just thought I would take advantage of the OT since they keep me there so many hours anyway.

I have some sweet people that want to bring me Gifts. Although I made sure I had EVERYTHING when I moved in. People are so sweet. Smile

I had an idea

October 5th, 2006 at 10:52 pm

Buy a Prepaid Credit Card to track my Spending for just 'whatever' stuff and set myself a Limit. I think it would work, put a specific amount on it a week (Because I get Paid Weekly) and then use it that way...

You know there are weekends when you really do not feel like Shopping...? Its weird, last weekend I had a shopaholic moment and then the weekend before I had no urge to buy stuff period. WEIRD.


More Weekending Spending

October 1st, 2006 at 09:26 pm

I bought Gas $5.82

I also went to Walgreens for the first time and I picked up their new Sales AD and Little Saver booklet I kept hearing about. I saw a couple of deals in there I seen Coupons for and I was mad I didn't clip THOSE Coupons. I also bought a Sunday Paper for the Coupons. Now I REALLY need to go through the Ads and my Coupons.


This Weekend's Spending

September 30th, 2006 at 04:22 pm

Lunch $4.75
Amazon.com $43.91
Walmart $79.60
McDonalds $5.02
KOHLS $61.91
Albertsons $24.96
Rent $75.00
Daycare $90.00
Medical Bill $10.00
Comcast $75.57
TOTAL: $470.72

I think I have it all Covered. I need to get on my Challenge though...I still owe myself money. I will be depositing $50 + $5 Pinecone Check next Saturday.

Giving & Bills

September 29th, 2006 at 11:56 pm

Today I thought I deserved to buy Lunch since it was Payday and I left a $1 tip.

The Total was $4.75

Then I went and saw my mom at Chilis because it was her birthday and then we went to Walmart after and I purchased a couple of things.

$79.60 actual total: $59.60

I got $20 Cash back because I needed to get my favorite meal. TRIPA TACOS that I haven't had for almost two weeks! GOING CRAZY EEK!

Paid by Comcast Bill: $75.57

Then on my CC I put an Order for a friend who is going through an Ordeal, some Mia Bella Candles $63. I will be paying off CC next week. I actually love the Convenience of my CC. When I think I cannot buy something because I do not have the money, I use my CC and can pay it off 3 weeks later and still not go into OD on my Debit account. It WORKS GREAT!

I also got my Gas Bill, it was about $24. Due on 10/18/06.


2 cents : (

September 27th, 2006 at 10:34 pm

I HAVE to mail out my Invitations NOW...I had 37 cent stamps before I discovered my newer stamps...I thought GOOD! I have Stamps to use, ONLY TO DISCOVER the Rate went up 2 cents...I DO NOT HAVE TIME to buy 2 cent stamps...I wasted my 37 cent stamps : ( I am really sad and annoyed about it...

37 * 8 = $2.96
2 cents * 8 = 16 cents

I had to place my new stamps over my old Stamps...I wasted $3.12+$2.96= $6.08 because I didn't BUY 16 cent worth of Stamps...

I thought they were waiting until January to change to 39 cents??? I guess they remembered the Holidays were coming up and didn't want to waste an Opportunity.

There is my 2 cent VENT for the Day Frown

Bills, Bills, Bills

September 27th, 2006 at 07:43 pm

Resolved Issue with Daycare, they said they HAD received all my Pay since my daughter started. No, Really?! LOL. Big Grin

I got a couple of Bills, two days in a row:

Power Bill $27.85 Due 10/13/06

Credit Card $127.08 Due 10/13/06

Issues with Daycare >:(

September 25th, 2006 at 08:35 pm

I write them a check EVERY WEEK, I never miss a BEAT. I pay EVERY SINGLE MONDAY! Now the Manager is trying to tell me I missed paying.

So what I did was I Printed out the Checks THEY Cashed from my Bank that I use Online and I gave it to them. The Transactions.

But how DARE someone tell me I don't PAY??? I PAY!!! >: ( That makes me VERY Angry and it reminds me of the issue I had with my Car Insurance Company just the month before that.

It makes me angry how they try to RIP yeah when you already paying out anyway! At least I pay and try not to get away with anything! > : (

Expenses this Weekend

September 24th, 2006 at 03:12 pm

Car Insurance $62.83
Aside for Rent $150
Mom's B-Day $32.12
Close Chase Acct $30.63
Friday Lunch @ Work $4.75
McDonalds $5.02
Daycare $90.00
Walmart $26.71
Albertsons $27.89
Medical Bill $10.00
GAS $12.37
Total: $452.32

LEFTOVER: $77.68

Do I not know how to shop?!

September 23rd, 2006 at 12:04 pm

Today I for some reason thought I had a Walgreens. I do not have a Walgreens. I had a Plan. I ended up driving around for 40 minutes looking for somewhere to go. It was stupid and I wasted Gas. I finally stopped at Kohls, didn't really see anything I wanted. I am just so mad I wasted Gas! The whole week I did good, I only used about 1/4 of a tank from just driving to work! Now I used MORE and that just really irritates me. I do not need that many Groceries this week, but I still need Milk & Bread and a couple of other smaller items.

I also went to close my Chase account but they told me I would have to wait till Monday.

My Bank also overcharged me $2 on a check and so I need to call them Monday as well.

Expenses so Far

September 22nd, 2006 at 09:20 am

Car Insurance $62.83
Rent $150
Mom's B-Day $32.12
Close Chase Acct $30.63

No Spend Day or not?

September 21st, 2006 at 09:20 pm

My Daughter's Preschool had called & said she was sick. My mom went and picked her up and took her to the Doctor and the total with the Co-Pay and Medicines were:


Plus I volunteered and worked 1 hour Overtime today. I am going to volunteer again tomorrow.

$19.95 (time and a half)

I am also able to view my Check Online every Thursday and so tomorrow I will be Paid:


3rd No Spend Day

September 20th, 2006 at 10:11 pm

Brought my Lunch again. We also got Free Fresh Cookies at work during all our Breaks, I kind of got sick of them after the second break. Tomorrow is Thursday and if all works out I will put $15 bucks in the Challenge fund for not eating Lunch out at work on Friday.

Which will bring my Tally up to:


$5 Pinecone


$12 Gillette Rebate (Mailing it off tomorrow)

$100 Rent.com
$155.42 from Myself
TOTAL: $270.42

My Bills Evaluation

September 20th, 2006 at 08:11 am

Bringing Lunch to work. Close to Payday. Need to pay Car Insurance and I am not sure what else is due. I made a decision to pay my Rent by Money Order. It is due next Friday as well as My Comcast Bill.

This week:

Car Insurance $63
Daycare $90
Groceries $50
Aside for Rent $150
TOTAL: $353

Next week:

Rent $525
Comcast $75
Daycare $90
Groceries $50

I get Paid Weekly so I try to Pay off those Bills that come up during that week but this week I am also setting aside money for Rent. I already have $300 aside so I have this week and next week to gather the rest. Having a Home is FIRST Priority. I think I will receive my Power Bill & Gas Bill in October. I also owe myself $140.

Here are my EXACT Bills:
Rent $525
Daycare $90
Car Insurance $63
Power Bill
Gas Bill
Comcast $85
MMG $39
Doc Bill $10 (Weekly)
CD $5.99

I just went over my Bills in my Online Account to see exactly what I pay every month. Its not alot. I am very fortunate for everything I have being a Single Mom and having a Good Job & Family Support when necessary. I also WORK & HAVE WORKED REALLY HARD to get Everything I Want.

Cancelled a couple of unnecessary Services

September 19th, 2006 at 10:59 pm

I joined a Coupon site that matched Ads with Coupons. I just really didn't feel like I needed it. I was already slaving away all week matching Ads and finding Deals. If I find it might be useful in the future I will join again, other than that nah not at the Moment. Saved $5 a month there.

I also quit this Card Service that sends out Cards for you, but I can get Cards for $1 a peice at the Grocery Store AND $1 Store. So saved $20 bucks a Month there.

Why waste the money if I don't need to? I have done this before with Auto Ships. I have this Obsession with trying a bunch of things. But I enjoy it and as long as I am not Contracted then I am Happy to Cancel and do it again later if I want to. Big Grin

Received $5 Pinecone Check

September 19th, 2006 at 10:37 am

Forgot my Lunch yesterday but I had kind of a bad day so I didn't buy anything and just ate when I came home. Today I am going to bring my Lunch and drink Propel water. I need to cut back on my soda. I had a weird dream. I cannot wait for the weekend. I did get to go home an hour early yesterday, because I signed the Roster too in case we were slow. AND WE WERE! My Daughter was so happy. I work so late and she did not have to sleep at the Daycare. She LOVES being in the Apartment and hanging out at home. I feel so guilty. But what can you do? We need the money I make and we can do fun things on the weekends. I am fortunate enough to have weekends off and THAT is a Big Deal for me!

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