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It is the small steps ...

September 13th, 2006 at 09:46 am

I received an email this morning about "setting a plan in motion" and the continuous dedication, hard work and the overcoming of obstacles to achieve your goals.

Thought about it and decided to include my thoughts in my journal entry today.

As each debt reduces and hopefully my weight does too, it doesn't matter how small the progress is as long as we are getting closer to the goal.

If I think about the "easy buys" (pre cooked meals, snacks, sodas etc) that I have NOT purchased over the past couple of months I realise that these small amounts contribute to increasing debt payments and they really add up if we are not constantly on guard.

My constant challenge is DD and her wanting to spend on these "easy buys" - there are times when we are in the store that I have to say: "If you don't stop nagging I will do the shopping on my own".

Yesterday, DD wanted to go shopping - for what I am still not sure but when I say no we didn't need anything she answered: "But Mom I want to buy something nice for me and you" - good try DD Smile

On a larger scale, I have just had such a fight with CC2 company - let me explain:
In April they handed over the debt to lawyers aka collection agents because I had not been making the minimum payment.
They set the payment at $930 per month without talking to me and although I have tried to do it, some months it just hasn't been possible.
During those months I still made payments though.
This morning I was notified that they would be proceeding with legal action - so I called and explained that I was still making payments and NEEDED them to decrease the minium payment. The CC company of course refused, then I called the collection agents and told them all I needed was a lower payment and couldn't they see that I was trying.
"Oh we can see you are making payments, but you are in arrears and we need you to catchup" Duh - I know I am in arrears, but I want a lower payment amount that fits into my budget but at the same time shows you that I am serious about paying off this debt.

Jeez, these people are pathetic!!!! Anyway after losing it completely, they agreed to reduce the payment to $645 per month starting on the 30 September.

Why did I have to lose it before they would listen?

It makes me so mad, when I am trying to put past wrongs right and no-one will work with me - Dave Ramsey always says these people are scum well now I have had a local example of their methods of working and trying to get money.

I WANT to pay them back and they just don't seem to get it.

Anyway, at least I made some small progress again - a lower payment that fits into my budget AND legal action prevented.

Patience patience... small steps... hmmm...

3 Responses to “It is the small steps ...”

  1. sarah Says:
    1158177231

    BTDT. You have all of my sympathy. I have been through this. It took me over a year and bringing in an ombsudman to resolve a problem with Sallie Mae. It was extremely frustrating. I think they think that intimidating people who are trying will get them more money. Many of them are paid by how much they collect. Its a horrible system. AND IT IS NOT YOUR FAULT

  2. boomeyers Says:
    1158210322

    The exact reason we need to get away from the scum! We need to pay them off and never depend on them again. Instead, keep one and make sure all it ever does is PAY YOU BACK!

  3. freeme journey Says:
    1158518705

    I dream of the day when there are NO CC's in my life - the day I settle all my debt excluding the hosue I am going to have the biggest celebration. No more hassles - I CAN LIVE WITH THAT Smile Smile

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