I need to know. I have one debt collector that has been hassling me non-stop. I need to look into this. It’s outrageous. What do they expect me to do at 11 at night? Oh yes, I’ll just run right out right now, get a new job, earn a thousand dollars in one night and pay you all of it. Yes sir, don’t you worry. Have they ever considered that most of us aren’t trying to avoid them? We’re trying to earn the money to get out of debt. I’m not a thief. I’m not trying to get out of paying what I owe. I can only do so much. I can only work so many hours in the week, and with the economy and job market the way it is, I’m not getting raises. I’m not earning big paychecks. I’m not getting a lot of job offers.
Ug. It’s only Monday, and I’m already tired of this week.
M.
Ok, I just read that 1 in 7 Americans has 10 or more credit cards. Honestly, I thought the number would be higher. I just checked my wallet to see how many credit cards I have; what’s truly terrifying is I’m not entirely sure. How much do you want to bet that it would be more like 3 in 7 Americans or higher that have 10 or more credit cards if they actually knew how many they had.
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Remember when we were little kids, and we couldn’t wait until it was Christmas time. For someone who is in awful credit card debt, I can tell you I no longer count down the days until Christmas. During the holiday season, I meander between pessimism and outright panic.
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Ever wonder how quickly things can go from bad to worse? I have a $35,000 year salary. I’m single. I’m twenty-five years old. I should be living a fairly comfortable life.
But it isn’t that simple. I didn’t immediately have this job straight out of college. Instead, I had a minimum wage job after I got out of college. It’s not that abnormal for students coming out of college to take a bad job just to get by while they’re looking for something good. While I was looking, I still had to pay those student loans. Those student loans were extremely expensive. My crappy job didn’t cover the loans, not to mention the rent, the car insurance, the car payments, groceries, phone, etc etc etc. The obvious solution was credit.
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