So, I have a meeting with another temp agency in the morning (for those of you at home keeping score, it has been 2 months since I’ve had a job), but as all these thoughts run through my head while I try to sleep, I feel like I need to get this one on screen.
This may not be the smartest plan ever, but right now, it seems to make the most sense to me.
Money is a HUGE source of my headaches. I don’t keep track of it, and I’m constantly worried about how I’m going to pay off this assorted debts I have. I mentioned to my friend G tonight that more than once the thought of filing for bankruptcy has entered my mind, but do I want to give up? No. Do I need to feel like a failure? Absolutely no.
So my thought is this:
My major bills: rent, cell, electric, cable, and my student loan… those are, without a doubt, necessary.
The credit card debt I’ve racked up? Foolish. Stupid. Inane.
But, debt none the less. And debt I plan on paying. But I’m going to stop looking at it as this huge chunk of money people want from me and break it down into manageable pieces. I know my credit is, pardon the term, fucked right now… A couple of these have gone into collections, and despite my efforts to explain my situation, they call daily. But if I’d just look at them individually and be like - OK.. right now I’m focusing on CreditCardX which has a balance of 1K… If I threw the extra money I had monthly (assuming I have a job of course and I’m not living off my miserable unemployment money (not that I’m not thankful for unemployment, but it barely covers rent)) towards this 1K, and this 1K only… I could get it paid off in 2, 3 months tops. Then, move on to the next card.
I think if I looked at my cards this way - one at a time - I could get everything paid off and cleared up in a matter of a year or two. NOT the 7 or so it would take a bankruptcy to get off my record.
Sure, it might take 7 years til creditors could trust me to buy a house or something… but at least I’ve made the effort to pay the debts I’ve racked up, and not just given up - because honestly I feel like if I personally filed bankruptcy, that would be a big white flag.
I’m opening this up for thoughts, comments, and suggestions- should you have a better idea.