I'mmmmmm baaaaack

still have debt. But have a better plan (and higher income).

Will update you all shortly

Almost a year later.

Wow,

Has it really been that long since I last posted? That is not acceptable.

I'm back guys. Those of you that kept me on your blogroll/reader/etc, thanks for believing (or being to lazy to delete). I'll update my sidebars later on today to see what the progress has been in the last 9 months. Hopefully, I've made some good progress.

I started a weight loss blog a couple of months ago and it reminded me about how much being accountable keeps you on track. So I'm back to getting on track.

I'm going to go through my blog roll and clean it up, so if any new readers find their way here (or old readers I never added) want to be listed, feel free to post your url in the comments and I'll check it out.

Free $10

I love to share.

Ruelala is offering a $10 credit to anyone who joins between now and Dec 24. I talked about ruelala here if you are not familiar with the website.

Here is my invitation link (it's invitation only). Happy shopping!! (wisely of course)

P.S it says the credit should show up within 48 hours

Thank you Chase

The 10k drama has finally been resolved :).

I got a cash advance from one bank and then about 3 days later I got a chase card that I had applied for and it has a 0% balance transfer for 12 months. I promptly transferred that balance and paid off the parentals.

Now you can bet I will do everything in my power to pay that sucker down in 12 months. So I don't think you'll be hearing too much about that anymore. Once all the transactions clear (I've paid quite a bit of finance charges with all this moving around) I'll update my sidebars with the new numbers :(.

A friend of mine just realized she is going to owe the government a huge chunk of money because her 2nd job was not witholding enough (think $20 on 20K). Everyone, make sure you doublecheck your witholdings so you don't get hit with an underpayment penalty.

Why I hate credit cards (BOA in particular)

In my last post, I told you a little bit about my frantic search to get all the cash to pay my parents back. I forgot to mention I even tried to open a new CC to get the last 4K. Finally Bank of America approved a cash advance for that amount (that CC was paid of with a limit of 6.6k).

Fast forward 8 days, I get a letter from BOA telling me that my cash advance could not be approved b/c my account had been closed. Further more they had gone ahead and reduced my limit on my ML to 100 greater than my limit. I was baffled. I had spoken to the customer service person and we had a conversation about why I needed the money. She said it was being processed and would be in my account within 3-5 days.

At this point, I didn't even want to call BOA to complain. Truth be told, if I had zero debt, they would be the first company I'd severe ties with. I have had bad experiences with their customer service and I really don't like them as a company. Plus, technically they can close whatever cards they like, i just didn't like the manner in which they did it. You have to keep in mind that i have NEVER in a 10 yr history been late on a payment or over drafted my card.

I am done trying to understand how credit companies work. You would think that a person who carries a balance, is never late and pays more than the minimum would be their ideal customer. That's a crapload of interest they make from said customer. If I were to pay my balance in full every month but got for example, airline miles, I don't think I would be considered a target consumer.

I just wish they would stop taking such a mathematical approach to how they run things. That's what got them in trouble in the first place. There definitely should be a person who looks things over with a more subjective analytical mind.

Anyway, the issue was solved because for a reason I don't understand (and I'm not going to question), I got an access cheque from a CC. I have promptly depoisited the required amount and I'm just waiting for it to clear.

Hopefully, there will be no more updates on this except me updating my sidebar.

****Random tip. I found out that you can just take you credit card to a bank and withdraw the money from a teller. If I'd just have done that instead of calling, I'd have the money I needed already.