Owner: The Bright Side of Debt URL:http://www.thebrightsideofdebt.com Join Date: Wed, 30 Apr 2008 21:18:04 -0500 Rating:0 Site Description: Married couple trying to dig themselves out of over $250,000 in debt. Site statistics:Click here
Fired!!! 2008-04-30 17:03:15 No, not me or Hubby. We still have our jobs…for the time being. But, my co-worker was terminated yesterday. She was still in her one-year probationary period, so she had no grievance rights and no way to fight back. She would not have had a chance even if she did file [...] Read more:Fired
An Eye-opener 2008-04-28 14:03:26 Not very often am I without words. Granted the words may not make sense, but I can at least get some a caveman grunt out of my mouth. Today was an exception. I couldn’t get my jaw off the floor long enough to make a word come out of my mouth.
A few [...]
Shifting Debt Around 2008-04-27 20:55:16 I spent the better part of today figuring how best to shift some debt around to save on finance charges. I had one card with an available $5000 credit that was offering 0% on balance transfers for one year with a 3% balance transfer fee.
I have transferred Sam’s Club to this card. We owe just [...] Read more:Shifting
Our Medical Bills 2008-04-25 13:11:18 Revisiting our medical bills and the fact that some are going to collections, I decided to post all of the medical bills that we currently owe. The ones with $0.00 are ones that I have paid. Since August, I have paid $303 towards medical bills and have paid four off.
The issue that we [...] Read more:Bills
Another Credit Line Increase 2008-04-25 12:32:16 The bank that I love to hate more than cottage cheese has just increased my credit line. I have almost $1000 in available credit. Hmmmm, what can I go charge? I could break this card out of credit card prison and go to Target. Wow, that’s very tempting, but I’ll pass.
However, I am very tempted [...]
Conversation w/ a Bill Collector 2008-04-24 19:19:16 I decided to take yesterday off. I wanted to do some things around the house. But mainly, I wanted to be by myself. It seems that the only time I am by myself is when I’m in the car going to and from my job. I was just tired of being [...] Read more:Conversation
, Collector
Then Complacency Began Setting In 2008-04-19 10:48:42 If you have followed this blog for some time, you may have noticed a pattern in my financial life…there are highs and there are lows. When the stars and the moon are aligned just perfect, everything is right with the world. Other times…not so great.
Over the last couple of weeks, I found myself [...] Read more:Setting
Closed, But Not Paid Off 2008-04-17 18:17:06 A few days ago, I posted about CC#7 upping my credit limit and my interest rate. I called this afternoon to speak to them about opting out of the rate increase. The representative, said “OK, you’re account is closed. Anything else today?.” That’s it? There was no offer of a better rate if I kept [...] Read more:Closed
Stimulating the Economy? 2008-04-17 07:22:35 I am by no means an expert on politics, the economy or finances. I have shied away from posting on these subjects because I’m sure I would be a flawed commentator. But coming to work this morning, I was thinking again what we were going to do with our stimulus check when it arrived. About [...]
Done Been Tagged…again 2008-04-16 09:46:00 I’ve done been tagged twice in a week. (I know, bad grammar, but that’s the mood I’m in today.)
Jim at My Debt Blog tagged me with a six-word memoir meme. This was pretty difficult to sum up my life in six words.
My memoir is “Been there, done that, charged it”.
The popular saying of [...] Read more:Tagged
Sneaky Credit Card Company…CC#7 2008-04-15 08:12:25 I got a letter from CC#7 last week stating that my interest rate was going up. At first, I was very impressed that CC#7 thought so much of me that they actually warned me that the interest rate was going up. Most others just do it without any consideration at all. After my warm fuzzy [...] Read more:Sneaky
My New Cooking Blog 2008-04-13 23:21:40 I’ve started a new blog to share recipes. Since I’ve just started, there is only one. But check back often as I’ll try to post several recipes a week. Most will be low-carb, as that is what we are doing right now.
Here’s the link.
Three Random Things About Me 2008-04-13 16:04:33 I’ve been tagged by Chicky to list three random things about me.
So, let’s see…
1. I have three Labs, Reggie, Roscoe, and Maggie, that are as much my children as if I had given birth to them. Most everything that Hubby and I do revolve around them. They get to go on trip-trips, [...] Read more:Three
, Random
Starting Job Search 2008-04-13 15:12:21 Last night, I updated my resume and wrote a basic cover letter that I can cater for the specific job. I even applied for a job last night. This is a big step that I have made. I just wonder now if I should make my intentions known to my employer. Working with a State [...] Read more:Search
Annual Review Today??? 2008-04-10 10:38:10 Update below
My annual review should have happened in late February but didn’t. Mostly because my supervisor is a huge procrastinator and doesn’t like to do them. My co-worker had hers yesterday afternoon, and it did not go well at all. I think that’s mainly the reason why my supervisor hates doing them [...] Read more:Annual
, Today
Late Goals for April 2008-04-07 20:36:40 I haven’t done very good at all with goals the last couple of months. I set them. And… Well, that’s it. I set them. It’s not like I establish some elaborate goals that only the most dedicated and perfected person can reach. They are normal goals that are very [...] Read more:Goals
, April
Gloom, Despair and Agony on Me 2008-04-07 19:50:31 “Gloom
, despair and agony on me.
Deep dark depression, excessive misery.
If it weren’t for bad luck, I’d have no luck at all.
Gloom, despair and agony on me.”
Boy, have I had one big pity party the last couple of weeks. I’ve been doom and gloom and oh, whoas me. I’ve had this song from Hee [...]
Discouraged and Encouraged 2008-04-04 10:15:35 I’m very discouraged because I just do not know what my husband is going to do regarding his job situation. He is very close to stepping down from his position and losing a considerable amount in his salary so that he can be stress free and happy. I don’t think he will ever understand the [...]
Fell Off the Wagon 2008-03-30 09:22:45 Oops! This four day weekend has turned in to a spending frenzy. This hasn’t helped us in our debt-free journey. The bright side is that I haven’t accumulated any more debt, but I did break in to some of my emergency fund (for my new eyeglasses) and some funds I had set [...] Read more:Wagon
Four Day Weekend Coming Up 2008-03-27 10:25:43 It was originally going to be a 4 1/2 day weekend. I had a meeting this morning at 8:30 that went longer than I wanted it to and then a potential meeting at 3:45 that I will not know if I’m needed at until 3:15. So, leaving at noon today is out. Since I wasn’t [...] Read more:Weekend
Updated Debt Totals 2008-05-02 13:33:43 I have finally got around to updating my totals on my BSoD Debt page. I’ve also revamped my goals to make them more manageable. Read more:Totals
I’m Officially Greedy & Self-Serving 2008-05-02 07:52:47 I have never been the type to stand up for myself. The philosophy that I have is that if it’s meant to be, it will happen. I’m sure many, many opportunities have passed me by because I did not speak up or take action. There is a great couch story that goes [...] Read more:Serving
Trying Quicken Online Again 2008-05-03 17:37:02 A few months ago, I was selected to try the new Quicken
Online. I didn’t really give it much of a chance and ended up canceling it. I am a die-hard Excel fan and like the flexibility to do the graphs, categories, pivot tables, etc. in Excel. I have been keeping my [...] Read more:Again
I Know It’s Just Psychological, but… 2008-05-03 10:57:25 I am so relieved right now and feel like a big weight has been lifted off my shoulders. Best Buy (CC#8 ) and Sam’s Club (CC#9) are now history. The balance transfer that I did on these cards has posted to the accounts. I still owe the money of course plus 3% [...]
FINALLY!!! 2008-05-05 16:14:54 My supervisor gave me the word today that I am getting a 9% increase. I was hoping for 15%, but I am okay with this. I have told Hubby that we are just going to go on for the time being as if I didn’t get the increase. The extra in my pay will go [...]
Back On My No-Spend Challenge 2008-05-05 09:12:22 I blew April’s budget on my discretionary spending. It is absolutely amazing to total up what I can waste my money on…hence, $33,000+ in credit card debt. I had done so good with the challenge in February and March with not spending any money for lunch and on snacks. Once April rolled [...] Read more:Challenge
Life According to Bill Gates 2008-05-04 22:00:39 My Dad…the master e-mail forwarder, just sent this to me. I though it was pretty spot-on and wanted to share. I’ve actually never seen this before today.
_______________________
Love him or hate him, he sure hits the nail on the head with this! To anyone with kids of any age, here’s some advice.
Bill Gates
recently gave [...] Read more:Bill Gates
Such a Beautiful Day 2008-05-04 18:40:58 I am working today at my part-time job. It’s days like this that I really have to psych myself up and remind myself the reason why I work seven days a week. I took a quick break and walked outside to at least enjoy a few moments of fresh air. I took this picture with [...] Read more:Beautiful
Huh???????????? 2008-05-06 13:58:58 That was what I said to my husband when he told me what his paycheck was this week. I’m still in shock.
With his paycheck, it is never consistent from check to check as opposed to mine which I know to the penny and is consistent each time. I usually budget for a conservative amount and [...]
Surveying w/ Integrity 2008-05-07 18:09:48 I have a problem. Well, it’s not really a problem, but a dilemma. Okay…it’s not really a dilemma because I know right from wrong, well sometimes.
I have signed up for probably 7 or 8 different survey websites to help fund my debt snowflake account. One in particular, I answer the first few [...] Read more:Integrity
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