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Updates

April 14th, 2010 at 12:38 pm

Just a quick update on financial stuff.

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Balance Transfer Drama.

I still have not seen that balance transfer I applied for a month ago go through. Which means I will pay the minimum on the original card. And then when the balance transfer does go through, who knows when?, that card will be in the negatives and I guess I'll have to have Target National Bank cut me a check. Who knows how long that will be.

I should have just taken money out of savings and paid it off instead of trying to save and BT and pay it off when I get my next parking reimbursement in 3 months. I just figured, it would be better to save the cash, transfer the debt (under 1100) to a 0% card for 3 months and pay the mins at 0% then pay it in full once I get the reimbursement. Plus it's a good limit $5K which helps my available credit to debt ratio.

But now I regret it. It was a big mistake. Sovereign Bank sucks. I have my checking through them and not really many problems. But this… yikes. They told me the day I applied that I was approved and they would start getting things done immediately. 2 1/2 weeks later, I get a call from them saying they need to review my app. Um? WTF? They wanted to close a 23K line of credit I have (that is through BOA but apparently also the same bank that controls Sovereign cards). I said no. That is an old, open line of credit that I don't use, don't even have a card for and is just sitting there in good standing on my report. Again, available credit to debt ratio. That 23K line helps too.

I finally let them cut the 23K to 18K as long as they left it open and in good standing and did not lower the limit on the Sovereign card. So that is what they did. WITH THE PROMISE to do the balance transfer immediately.

Well, now it's almost 2 weeks later and unless it's done tomorrow, I can't hold off paying the minimum on the Target card any longer. It's just aggravating. When I did a BT with Discover once to get a better rate, it took 3 days. THREE DAYS. Why is Sovereign taking a month??

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Selling My Belongings.

On the Ebay/Selling My Stuff front, I've mostly done trips to Bullmoose Music to sell cds and dvds this month. With a little bit of Ebay thrown in.

Last Month total : $433.38
This Month Goal: $400.00

April so far:
Week 1 - $112.45
Week 2 - $135.30
Week 3 (still tallying up til this Saturday the 17) - so far $26.96.

Total (so far) for April: $274.71
Still needed to get to my monthly goal: $125.29

Week 3 is pretty dismal. I will likely make a Bullmoose run Friday night. Most of my current auctions end Friday evening. Hopefully they will go up.

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Other. I am going to have to buy new clothes soon. I will try to buy from the thrift store. I hate clothes shopping so much. I got really fat the last year and nothing I own fits me. I have three old, mildly office acceptable pairs of pants and only 2 acceptable short sleeve shirts. 2 of the 3 pairs of pants are courdoroy. They barely fit and hurt because they are too tight. I feel ugly. I've wasted the last 2 years of my life scrimping and saving for a future that, as it turns out, is not going to happen. I was thin and pretty when I first met him but I guess I got so busy trying to save money for us that I just let myself go. Now I am just a fat tub. I hate it. I know losing weight is going to be hard and a long journey. I just don't want to spend a lot of money on new clothes in the process. Hopefully, I can find something okay at Salvation Army or Goodwill.

1 Responses to “Updates”

  1. CB in the City Says:

    I have been losing weight and have needed new clothes. I found 5 pairs of pants, two jackets and two shirts at Goodwill in the past couple weeks. I plan to go back soon to look for jeans. You really can find some amazing things.

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