Credit Card Debt Be Gone

WOOO I feel good/duh duh duh duh duh/I knew that I would [hey]

Sorry I had to invoke James Brown just then but he said it best!

I feel so good because I am 2/3 of the way out of credit card debt. 

I paid off the Lane Bryant Credit Card (200 some odd dollars) and the Sam’s Card (530 some odd dollars) and i am about to cut both of them off. I don’t care what cutting those cards off will do my to FICO score, I’m more concerned with removing temptation from my life. I know how I am. I have no will power. None. Plus I know having too much credit is almost as bad as having bad credit or no credit. 

The only credit card that I have left now is the Citi Card and I owe $5000 on that one. That is the emergency card, and once I pay it off I will be able to actually use it for emergencies. My plan is to pay $1000 a pay period on that card until that is out of my hair. And I will cut that limit down to $2500. I really don’t need more than that. Because I also plan on having at least 6 months worth of income in the bank in case I get laid off. I also want to have at least $1000 in an emergency fund. And I am signing up for long term disability insurance. So I will have more than enough for a safety net, which means that I won’t need that much available credit. 

However, this plan will not go into effect fo a few months. But what good is having a few hundred dollars in the bank when the interest rate is less that 3% when I owe thousands of dollars in credit card debt and that interest rate is 23%? So as soon as I pay that credit card off I can start saving ruthlessly and not have a care in the world. This is also a good plan for me, because if I get laid off (God Forbid) before I save 6 months worth of income, I will still be in a good place because I won’t have any monthly obligations besides the student loan. And those people will definitely work with you. The only monthly obligations I have besides credit card debt includes: the cell phone, car insurance, and the light bill. All of which can be let go in times of trouble.

Although I still have student loan debt, I am not worried about that as much as I am the credit cards. The interest rate on that is super low. So as of right now the plan is to only have the student loan, and a mortgage payment. And maybe a really small car loan. Although, I really want to pay cash for a car. I have always had the dream of paying cash for my car.

 

[initials]

quick post

ok I’ve been super busy at work so this post will be bulleted and brief. plus my internet at home is acting all kinds of janky, so no updates at home. 

1. i work for city of [redacted] redeveoplment agency. i had to attend a board meeting last night mr. [crazy do not talk to him at all man] was there. he thinks he knows everything there is to know about the cra. he doesn’t. i need him to reread and relearn chapter 163 that dictates what cra’s can and cannot do. for that matter i need the board themselves to simply read that…
2. i no longer stay at work past dark. i work in a bank. not smart
3. i wasted an hour listening to one of the ladies at work. she is very sweet, but she doesnt know when to stop talking
4. anything from my computer can be requested for review under the sunshine law. therefore i will stop updating and reviewing my personal stuff from work. which means that you might not hear from me in a long while. be patient

[initials]

I have moved to the dark side…

of milk that is. I have now seen the light. Praise.the.lord! I love Soy! 

For the longest I was vehemently against soy milk. I just could not get with it, the nutty aftertaste bothered me and it seemed kind of thin. But I was never a real big fan of regular milk either. I normally only drank the stuff in coffee or if I happened to be eating a pb&j or a bowl of cereal. All of that stopped for the most part when I switched over to vegetarianism. Pretty much cold turkey I stopped consuming milk. It seemed that for the first time I could smell milk, and I did not like what I was smelling. It has this weird animal smell to it. Not good. So I stopped. Overnight. But I still put milk in my coffee (not a fan of black coffee). 

So for almost 2 years I eschewed straight milk. But the alternative, soy milk, was so not what I wanted. Catch-22 it seemed. I tried Almond Milk, Rice Milk, and Soy Milk but none of them made decent creamers. Which was, and still is a big selling point for me, I drink about 3 cups of coffee a day (excessive I know, but I am a hyper person by nature and I have to keep that hyperactivity going someway).  Creamers are too expensive, half and half is just gross, other milks don’t have the creamy consistency that I need in my milk, and I suspect that I might be a tad bit lactose intolerent (not crazy intolerent but enough to make me watch my milk intake). But I will say that Almond Milk is very tasty, makes a great milk alternative for baking, and is sweet enough that you don’t have to add sugar to coffee. It is also super expensive! Almost $5 for less than the equivalent of half a gallon of milk. GAH, I know I’m balling but dang that’s just way out of control. 

So anyways, what made me change my mind? Reese’s Peanut Butter Cup Cereal. I just had to have a bowl of it last night, and I didn’t want to drink milk with it. Plus I didn’t want baby brother to drink up all of the milk in one sitting (which has happened many times before) and I know he doesn’t like soy milk so that’s what I went with. And “oh mah word” it was love at first sip! I will never go back to regular milk again (except in my coffee, remember we already went over why, keep up!!!). Plus I think soy milk might be actually cheaper than regular milk. AND the absolute best part, I don’t have to worry about random ninjas drinking it all up! It’s all mine muhahahahaha. “NO [SOY MILK] FOR YOU!!!”

 

signed,

a contented soy drinker, who needs to make up for lost time

[initials]

p.s. oh but wait, I wanna hear from you!!! Do you drink soy or regular milk take mah poll!

Is it wrong for me to be ok with not having a life?!

I go to work around 8:20am, I rarely take lunch breaks, and I stay till about 7pm. Today the top dawg boss asked me when I was going to leave. Seriously!? I think they think I’m doing it for brownie points, but I’m not. I like those two hours after work. Although I’m all alone, in a building that houses a bank on the first floor and there is the possiblity that I might get robbed by some idiot thinking I’m closing up the bank for the night. I really hate that it get dark so early now. But whatever.

JTB hates the fact that I work so late. I’m trying to not tell her that part of the reason I stay so late is because a. I have nothing else to do, B. I need time to prepare mentally before I go home, and C. I am super productive in those final two hours. Lately she has been flipping out whenever I’m not home. For example, Saturday I was gone all day with my cousin doing the big sister type thing. She calls me around 8pm talking about she was worried about whether I was still alive. And then when I get home, she ignores me! Same thing happened tonight. I guess as long as I’m home she is ok. Whenever I’m not home she freaks out and acts like she hasn’t seen me in a trillion years. 

Today she was apparently waiting for me to go see my cousin’s day old twin girls. But she didn’t tell me this. If I had known that she wanted me to go with her to the hospital I would have left work on time. I do love working late, especially when there isn’t anybody else at the office. For two hours or so, its just me, getting work done without worrying about dealing with someone else’s personality. Plus, I don’t have to go home right away. I need that time to mentally prepare, and once I get my headlights fixed, I’m gonna find a local watering hole that I can frequent for a beer and some more mental prep time. I love my family but I just cannot deal with them at times. GAH. But anyways, we get home, and then proceeds to ignore me after she made all that noise about me not being home. 

The worst part about all of this is that she does not communicate with me. She told me that she was waiting for me to come home so we could go see the twins. OMG I just did not know that, all she had to do was tell me. And then when I got home, I thought we would hang out some. NOOOO she gets on the phone in her room and ignroes me.

I am soooo proud of my baby brother!

Today he helped put on a benefit concert for a young man who needs to have the lap band surgery. They raised about half of the money needed. Its not all of it  but its a start. My baby brother is a budding philatrohpist! He helps out the community. I never would have thought he would do something like that.

big day!

So many things happened today, it really was a big day. 

If her parents don’t love her, the streets will

90% of my female cousins under the age of 17, and a few of my male cousins need a strong positive influence upon their lives. I am trying to be that postive influence but its hard. Today as part of my big day, I took my 15 year old cousin out today to hang out. I still think of her as my little cousin, but she isn’t little. She wears a frickin 36 DD bra!!! Which we found out today. The bra she was wearing was somewhere in the B range. Not cutting it. She needs me in her life, because her living situation is really fucked up. My uncle’s wife has banned my cousin from her house, so she is staying with my auntie. My auntie does not care about my cousin, hence the reason she is going around wearing a B bra when she needs a DD bra. Anybody with eyes could have seen that, hell a blind man could have saw that.  But my cousin is like me, she makes things happen. Her outfit was cute, but you could tell the stuff she was wearing was hand me downs. So anyways, I decided to purchase her some bras, Macy’s is having an awesome sale btw. Then we went to Sephora. (OMG I looooove that store. Smashbox, Urban Decay, oooo such gorgeous rich colors. When I get on, I will so shop from there exclusively for my makeup needs, but back to the main story). I got a makeup color consultation for her, she doesn’t really need makeup, because her skin is clear but I thought it would be something for her to look into. P.S. she has freckles that are so cute, but the lady tried to conceal them. The entire point of all of this is that I am trying to step into her life and watch out for her, because like the title of this section states, I don’t want her to go looking in the streets for love. Because that is generally what happens. She is smart and I would hate for her to fall off like that. 

HIgh School Musical 3

As part of our big day we went to see HSM3. OMG Ryan is soooooo gay! I need he to go ahead and just make that announcement. And I love how they try to make Gabrellea seem innocent. Overall I give the movie a B. It was fun, but I was so caught up with the music from HSM2 that I really was not feeling the music from this one. Le Sigh. 

Official

I gave a business to card to my first non family member today!!! It was to this officer I used to know from back at my Targhetto days. He is such a cutie, and he is so married, and I am so disappointed but life goes on. But anyways the point is I gave out a business card to someone who isn’t a family member. OMG OMG OMG I am so official. It rocks.

Today rocked.

[initials]

So I’m going to write this post and not even address the fact that I haven’t updated in a million years. Cuz that’s just how I rollz.

Election Fevah! Catch it all up in your face

Tell me why I know not one but two people who are refusing to vote!?  A Black Male and a White Female. I am seriously considering removal of these people from my inner circle. I almost begged White Female to vote last night. Its that real.

How about that Sarah Palin Prank.  

I want to send this to my boss, who is Canadian (the djs are Canadian) but I don’t want to cross that line. Speaking of he can’t vote either because he is not a US citizen. 

Shake tha haterz off

Someone sent me a text message quoting the chorus from Roses by Andre 3000. If that message came from anybody else, Kee, Fernie, maybe Rain, I wouldn’t question it. But this chick kinda sorta tried mah ganster. I would see it for the joke that it would be coming from Kee because if she thought I was letting the job go to my head she would just tell me. Fernie would send it to me as a joke, and I would catch it because we have had extensive conversations about my paranoia. But not this other chick, taydizzle. NO. Especially since she has done many things like this before. One time she sent me a text message saying “I wish that I had facial hair, ugly, and was overweight, so guys wouldn’t think I wanted to have sex with them just because I wanted to hang out.” That was 3 years ago or so. I remember it verbatum because that totally hurt my feelings because she knows that those are all of my insecurities. Seriously?! But me being the forgiving person that I am, I accepted her back in my life. But she is constantly doing things like that. I just can’t do it now.

Another chick is now my new found friend! I think that she thinks that Im going to spend chesse on her. Before I got this job, she could have cared less about me. She blew my phone up for a week straight. You would think I was fucking this girl. It got to the point that I started ignoring her calls. She just now caught the hint that I don’t want to be bothered with her. So many people want to spend mah moneys right now. Um no. I may be stupid, but I aint dumb. 

Random, other minuita 

I want to get married, and have children. 

Sometimes my little cousin Shari gets on my last effing nerves. 

If I made some of the remarks that yts are making about Obama and the election I would be eviscerated mercilessly. 

It turns out that I have become a hobbyless ho! I don’t do anything except go to work and home. And maybe the grocery store. JTB is still passively ignoring me and telling me to man up when I ask for more face time. 

I get business cards in a few days! I have an office with a door and windows with an a.ma.zing view.

I hate when men trail after women who don’t want them. I hate it even more when that guy is basically a really good guy, except for that one loser quality. 

All of my former professors have congratulated me on finding a job. I really bet that they thought I wouldn’t anount to anything (see any thesis post). 

It really hurts that people only compliment me when I have straight hair. I really think that I am prettier when I am rocking my natural hair. 

I’ve run out of things to talk about see hobbyless ho.

[initials]