I’m preparing to send out letters to my NEW creditors. I can only afford approximately 75.00 a month for my total debt. It’s going to take me forever to get out but such is life I suppose.

I saw a sign at Bath and Body Works for a part time position. If I can work on the weekends that would be great. I’m thinking of going out and applying on my way home.

I’m divorced now and already in a new relationship with my first love from high school. It’s long distance so I won’t even tell you how that’s going. I’ve promised myself  that I would blog every other day. I have a personal blog at musingsofachocolategirl.com but it’s nothing to write home about. I’ve been  in a funk so… the writings mediocre at best.

I quit college. The available classes at this particular school doesn’t fit with my work schedule. I’m planning to attend Xavier University’s evening program. Hopefully I’ll get my mojo back and be able to finally get this shit over with.

That’s all I got for now….

Peace Out Homie G!

Wow, I can’t believe it’s been 5 whole months since I’ve been on this blog. Time flies when you’re not having fun.

Some new, but not so interesting things have taken place. I found a job!!! It’s full time so that’s awesome. It temp for six months and then goes permenant thereafter. I also am no longer in school, but I hope that changes next week. I needed a mental break from it for awhile but it’s time to get on my grind and make things happen or at least try to.

Next month (October) I’m proceeding with my divorce. My soon to be ex husband has been out of the house for quite some time so I think he knows that I mean business. I also reconnected with my high school sweetheart and I think an intense romance is forming, BUT we’ll have to just be patient and wait for that story to unfold.

Life is still a struggle, but I’m taking the usual baby steps. My debt grew a little because I needed another car, but as long as I make my biweekly payments things will be fine.

I’m going to attack the credit reports here shortly again and come up with yet another game plan seeing as how I gave up completely a few months back….so how are you guys fairing??? let me know!! i miss ya’ll

I’m still jobless, but by the grace of God the bills are still being paid. I haven’t put anything towards my debt like I promised myself, but I have to make sure my head is above water before I can tackle my credit reports.

I applied for over 43 jobs this week alone and only had one interview. It’s depressing, but I’m going to a resume seminar being held at the school to see if I can make it better and hopefully attack some interviews and eventually a job. To keep myself busy I’ve been toying around with my Nikon D80. I took the kids to an Easter egghunt and this lady asked if I would take pictures of her boys. I hope it leads to a decent side job.

Another decison I’ve made is to move to Chicago after I graduate with my Associates degree and attend UIC. They have a program that I’m looking for in the Political Science field and if I can maintain a decent GPA I should be fine. In the mean time I’m just trucking along one day at a time.

Nothing is going as planned for me right now. I haven’t worked towards fixing anymore of my debt and the articles and reviews I intended on creating for this blog have been placed on the backburner.

I’m still looking for a job. Ciit did a freeze on hiring so it will be in June I start working there. Hopefully something else (better) will come along before then until that time I’m living off of unemployment and barely getting by. I’m thinking about starting up my student loans again just to cover the basics. Going down that road again isn’t something I want to do, but may be necessary.

I’m trying to remain optimistic, but life sucks ass right now and I’m seriously about to have a talk with GOD about the shit that I’m being handed.

In an attempt to counteract the bullshit in my life I’m doing yoga. In a pinch it helps relieve some of the stress I’m under so at least I’m sleep better at night.

I talked to my professor about the job situation and he said that the school has a legal assistant certificate that they give out while students are in the process of obtaining their degrees. It’s success rate for job placement is 95%. I’m not sure when those numbers were crunched, but I’m thinking it’s work a shot. I’ve got to be more marketable than what I am….

So Citi called me yesterday advised me that they wanted to offer me the job. I had to fill in the blanks  on my application via email and then I would get a call back with an offer. I completed everything ASAP and no phone call. I left a message a few hours later. Still no phone call.

I have to admit that I didn’t want the job in the beginning. I dreaded going back to working in a call center, but now that my savings is dwindling I’m not going to be picky about a paycheck. As long as things are legimate.

I’ve decided to take a few weeks off from my debt repair. It’s been a slow month and not much progress to report anyway. I just need to get motivated again and then proceed. So I’ll begin again in March. For the time being I’ll be posting information from articles on PF that I come across and add my two cents in if anyone is interested.

On to other stuff… I have a job interview with Citi in their collections department. This wasn’t what I had in mind when trying to find another job, but beggers can’t be choosers and my money is drying up so with that said I’ll take what I can get. I just hope I don’t have to be harrassing people especially since I can relate to most of their situations.

I’m going to have to drop my biology course. I’m doing well in the class, but I just don’t have the time to really focus and since I’m not going into law anymore I don’t think it will be a big deal to see the W (withdrawal) on my transcripts. I just hope that I can get my ish together before it’s time for me to apply for grad school. Public policy here I come!

The financial aid department hasn’t reduced my loans as I requested so I’m really tempted to not bother with it and use it for living expenses until I know for sure that I have a secure job. The downside to all of this is that I eventually have to pay it all back. Shit!

I haven’t forgotten ab0ut all the plans I have for this here blog, I’m still putting them on paper. I do want to add more graphics here to make it more appealing while still keeping the focus on personal finance. I just don’t want this to be too formal. H

I have another personal blog that I keep… or at least try to. It’s there that I express things going on in my life outside of my debt, but lately I feel more compelled to be here. I don’t have a lot of readers here or there, but the few I do have (here) leave such encouraging words and messages of hope that you guys almost feel like family.

My posts are rarely happy as getting out of the mulky mess isn’t fun and sometimes is more discouraging that I lead you all to believe, but I’m making a promise to incorporate more positive and helpful info. I don’t know what you all would like to see so in the next few days I’ll have a poll posted up and use that to gauge the content of this blog.

At any rate I want to talk about school. I’m taking an American Government course and it’s way more interesting that I first thought. My professor knows more about politics than anyone I’ve ever met and he encourages me to get involved. I want to go into public policy and I think I’ll be making that switch here shortly. It’s exciting to finally have something that I’m interested and be good at. My past courses I did fairly well in, but I’m sure it was based on luck more than anything else. I just know that I need to hurry and complete schooling and find a job to help support my family because this economy is going to shit. And it worries me.

My goal is to be at least 80% debt free by the end of March 2009. I’m not sure how likely it is to happen, but a girl can dream can’t she?

Anyway, I checked my Experian report for the billionth time tonight and notice a new account from Credit Protection Association, but I’m not worried now. I was prepared to begin my second and hopefully final state of credit repair. So tomorrow I’ll be typing letters to be sent out via certified mail with return receipt. I’ll send them out most likely on Friday.

• Credit Protection Association (633.00)- I’m sending a debt validation letter
• DRS Bonded (432.00)- Sending a PFD for 216.00
• Jefferson Capital (804.00)- Send debt validation letter
• Trident Asset (180.00)- Send debt validation letter
• Verizon Wireless (210.00)-send PFD

Hopefully the results I get wil be to my liking. I’m really ready to start having good credit.

Well I checked my Equifax fico score today and it’s up 4 points from 504 to 508. It’s not much, but it’s much better than where I’ve previously been so…

I’m still looking for work, but the economy is down and I’m trying really hard not to be discouraged. I’m receiving unemployment which is keeping my head barely above water… again it could be worse.

I’ve given my daughter a “job” where she’s cleaning the family room downstairs for 5.00 a week. To her it’s the greatest thing ever and for me it’s just one less thing I have to be concerned with. She’s depositing half of it into her savings account. I’m trying to start them off early understanding the value of a dollar and the importance of being money smart- something I wish I was taught.

School is still kicking my butt. I’m taking four classes 2 of which I have definite A’s and two where I’m not so sure about. I want a B out of my Biology in Human Context course and an A out of Business Law, but I’m not holding my breathe. I have a Business Law quiz tomorrow that I can’t seem to study for. I’ll be making an attempt at it again soon.

ADIOS!

For the past few months I’ve been using my Experian credit report to clear up my debt as it seems to have the most negatives listed. My thought on this process was once they were deleted/updated on Experian I would move on to the other less stressful credit reports and all would be sunshine and rainbows. Everything on that end of the spectrum is great. However, I’ve just learned that Experian is terminating their relationship with Myfico.

This is absolutely horrendous for consumers because after February 14th we won’t have a way on verifying whether or not our credit scores are showing a negative or postive standings. The only access we will have to our scores is what is considered FAKO scores as the only accurate reporting of our credit scores is through Fico. I sincerely hope that Experian has a change of heart as this is unfair to consumers and it’s our right to have accurate information available to us.

I’m hoping that enough dust is kicked up for something to be done about this.

The most upsetting part of this situation is that LENDERS will have access to our scores and aren’t at liberty to tell us what they are. You can find the article here.