My Smack Daniel

Okay, I’m the first to admit that I can never come up with decent titles for my posts.

Debt Sucks has amassed over 700 pageviews these past two days as a result of the Carnival traffic. This traffic also led me to being ranked as the #1 Fastest Growing WordPress.com blog yesterday. Interestingly enough, according to my statistics, I actually got more traffic from that fact than I did from the carnival itself. In any case, this blog is about getting out of debt, not… that stuff – even if most of the point of a blog is for other people to read it. I got plenty of wonderful comments from some folks whose blogs I look forward to browsing through and possibly subscribing to.

One good suggestion I got in a comment was to switch completely over to cash. This should be a no-brainer for me, being such a heavy Georger. It’s good in that you know you have the money for whatever it is you’re buying, and don’t have to worry about any later consequences. I do think that I will embrace this oh so obvious concept, and keep from using the debit card (which is almost as evil as a credit card).

Yesterday afternoon I was freaking out a bit. I found that, according to my records anyway, I only had a dollar and change of credit left on my Capital One card. Not freaking out because I had no more money that isn’t mine to spend, but out of fear of some random mystery charge coming through and nailing me with over-limit fees. I threw $10 on it then, which went through today, just to play it safe. I’m still not quite sure why, but their website says I have $36.24 available now. Granted, it tends to take a few days for transactions to post, but the available credit usually updates right away. Not really sure what the deal is, but not complainin, either.

I finally came clean to my mother about my financial situation today over lunch, and about what I was doing about it (including this blog). She had her own motherly advice for me (such as to not throw so much money at my bills that I can’t afford gas to get to work). Afterwards, when we got back here so she could grab her car and go home, she handed me $30. Let me make this clear: I hate handouts! Yes, even from my own mother. I felt very bad in accepting it, as she really shouldn’t have to be helping me, and I know she’s in her own financial mess right now as well. But, this extra $30 might just be what saves me from having a gasoline crisis in terms of being able to get to work. She also asked me about school (as well as mentioning that my student loans ought to be coming due soon, which is what led to me divulging the existence of this blog as well as what has happened the past two days on here), and I honestly still don’t know. It just doesn’t seem like I have time with this job and all of my other responsibilities to handle school again… and that’s assuming I would somehow be mildly successful at it this time around (hey, third time’s the charm!). That would also… *drumroll* mean more debt. But, it would also put off my payments until someday when I might actually be able to afford them – and that doesn’t mean I couldn’t throw money at it in the meantime, either.

I’ve also been thinking of going back to work at the park. Not only during this holiday crap, but also next spring and summer as well. If I could mash out 5 hour shifts there, and work myself to death, I’d be in good shape. Okay, not physically, but you know. It would really be a HUGE help to be able to handle a full time job with a part time one tacked on top of that. I’d probably want to hang myself after a week (or 2 days), but, who knows. It’s worth a try… we’ll see.

Alright, honestly, I can’t think of anything else to say. It’s way past my bedtime, I need to get up early enough to make sandwiches so I don’t have to eat out of the vending machine at work again, maybe get a shower if I’m lucky… rest my tired and achy bones.

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