Monday, April 23, 2012

This morning I had the date for breakfast and I got up early but boy was it hard since I went to bed at 3 AM and got up 5 times during the night. But that is the way most nights are so I got ready and when I was going to start my hair, I called my friend to make sure we where on. He was in the next town and had a couple more jobs to do so by the time I got done and drove there he should of been there. It was 8:55 AM when I left so I arrived about 9:10 AM and he was there. I am early 99.5 % and I don't like being late. I went in and we talked and laughed and then ordered our breakfast. He ordered the 2,2,2, eggs sausage and pancakes with coffee. I had ham, scrambled eggs, home fries, toast and tea. We talked and ate and ended taking half of each of our meals home. Whatever happen to normal size helpings? We stood outside and talked for a few minutes and then went our separate ways. I got in my car and the young couple that sat across from us came out and they had an adorable little boy. They got in their car but when the young man got in his he was almost in and slammed the door into my car. He looked shocked and sorry and I just shook my head.

I came home and was tired so it was cold out and I laid down. When I got up I made a cup of tea and made some calls. Then it was time for me to pick up my DGD from school. Traffic is getting really bad and more people are picking up their children but we made it out safe and came home. Let the dogs out and I went in to change my clothes. While I was doing that my girlfriend that takes me to the Dr. called and wanted to make sure about what day it was. I told her about my new friend and she was happy. We talked for a while and then I finished changing. While I was in the bedroom I looked over my white shoes and took them out for DGD to try on so she would have a nice pair to go with her Alice in Wonderland Dress for Saturdays tea. She just about fits into my shoes and a cute pair fit her with a strap and small heel. I went over her spelling words and she started to write them 5 times.

I made a cup of tea and then went through my mail and there was my Visa bill. I opened it and it is so high I just about died so I called Visa to pay some on it before the due date because they have frozen my card. When I called them my bill total was $8,000.00 more than the bill I had in my hand and it was over my limit. Why okay the charge if there is no money? I have no ideal how I am going to pay it and it will take all my savings and IRA and I am having a hard time dealing with it. I told the coach for the lessons not to put it in and he did so now I have no money to work with. The dogs have to go to the Vet and I have no money to pay them so I am going to call and see what they will do. Right now I am ready for a nervous break down and there is no where to get money. I have bowling starting next week and I hope what I have won will pay for it or most so later I can pay the rest.

Well, it is time to close, I am wore out and just want to cry. I love you all have a good Tuesday God bless you always and say a pray for me please.

Catch you tomorrow better I hope.

Smile Joyce

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Member Comments About This Blog Post
    I would suggest you ask Visa for your past 4 or 5 month balances. Something doesn't sound right to me. You need to be proactive and check this out to make sure you are not a victim of fraud. You might want to cancel the business course until you get this straightened out. Things will work out for you, I know, but it is worrisome until it does. Hugs.
    2152 days ago
  • SUNNY332
    That would be a nightmare, Joyce. Hope you find some reasonable means for settling this account. I think I would call a "financial counselor" to see if they can help. Some times, they can get the amount owed reduced and also reduce the payments in addition to lowering the finance charge so you are not always just paying the interest. I would check it out if I were you.

    Hang in there. Sunny
    2153 days ago
    If there is a church near you that is hosting Dave Ramsey's Financial Peace University it would help to go through that course. He has helped a lot of people get out of debt and find the freedom to stay within their finances through using cash only. That might help you, too.
    2153 days ago
    Joyce - are you sure your card has not been tampered with? If somebody stole your information and ran up the bill then you can sign a waiver and Visa will reverse the charges and initiate a criminal investigation.

    If they are your charges, you could talk to your bank or credit union about a consolidation loan - it would be better interest rates than Visa and give you breathing space to pay it off. Or try to find a debt counsellor in your area and they can help you negotiate a manageable payment schedule with Visa.

    Best wishes - hope you'll feel better after sleeping on it. Money troubles are stressful but they can be solved.

    2153 days ago
    I wish I could help you Joyce. I am so sorry about your trouble. I'll pray that things work out.
    2153 days ago
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