i am so freaking angry right now! i got my mail today and in it was a bill from one of my credit cards--the one i'd just very very recently made a balance transfer with, and lo and behold there's a late charge on there ($39) and my interest rate has been bumped from 0% to 9.08% with interest from the last month totaling $16. so that's $55 bucks in "fees" that i owe them even if i pay the balance off today! the thing is, i pay my bills at the post office when they arrive, so there's no chance that i got the bill and just stuffed it away and forgot about it--they either never sent it (a little trick credit card companies are known to pull) or the post office didn't deliver. either way, i know it's still my responsibility to know when my bills are due, but come on! i called to try to get them to reverse the late fee at least, but no dice, they didn't care that i would close the account and transfer the balance (i got another 0%, no transfer fee offer in the mail today too). there was just nothing they could do. i don't blame them, i'm a little time customer who will probably never make them much money, but i thought since i've had an account with citibank for several years, that might make a difference. so, i'll chock it up to my own naive dependence on paper bills and keep a closer eye on the payment due dates from now on.
also, my damn laptop battery hasn't come yet, it's been a month. i called them last week and they quite unapologetically told me they'd send it out "tomorrow". maybe they're a scam too! anyone every ordered a battery from batteryrefill.com?
the good news is, i've run the numbers on my new position at work and i'm pulling in 700 to 800 a week, after taxes. so that's between 2600 and 3000 a month net earnings. i should easily be able to pay 2000 a month towards debt which would have me free and clear by september. of course, there's always the unknown factors, and i am taking a few small trips between now and then that'll set me back a bit, so, let's be real and say by early november, i should be debt free! just in time to find some quiet warm place to nestle in for the winter. ahhhh.
KCHBR day 8: zero in Visalia
2 weeks ago