Delor.es.Defacto

she knew she had to change her plans

I know it’s all a rut, you want me to prove it to you November 12, 2008

Filed under: miscellaneous,Uncategorized — deloresdefacto @ 12:38 pm
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This morning I was flipping through channels and I saw a Q&A topic up on the screen from the (stupid) Mike and Juliet show. It was for a guest (whose name is still unavailable online or in the show’s information) finance adviser. These people amaze me. I mean, aside from the obvious “you don’t understand my situation” aspect of “you have a job, and a nice paying job that requires you to be on television and I have none”, they don’t really have any good advice.
The question today was, “I am $10,000 in debt with credit cards and I’ve lost my job, what do I do?” Well, that was me. That was me for over a year. The financial adviser said, “Call the creditors and tell them your situation. They’ll understand. They want you to be able to pay them off. They don’t want you to go into debt. They’ll give you a temporary grace period to help you through this.”
{snicker} Yeah, right!
When I lost my job, even before I stopped getting paychecks, I called every creditor I had and told them I was unemployed. They all told me, “You still have to pay.” At least Discover offered that insurance bit for if you lose your job, and I tried to enroll in that but they said it was extra money added to my monthly bill and, yeah, I still had to pay because I had to have the insurance for so long of a time before it could go into effect. On top of that they said I’d have to get a written note from my employer about being fired, like an adult version of “please excuse my daughter from gym class” note. Ridiculous.
Even the Juliet chick on the show said, “But then why are they so mean to us (the creditors) when we call them.” The “financial adviser” said, “Because you didn’t tell them you were unemployed.” {snort} I still have creditors calling me saying, “this is a desperate situation and you need to redeem this immediately!” to which I reply with, “I have told your company numerous times for the past year that I am unemployed. I have no money. When I have money, I will pay you.” This, apparently, does not matter. I even have “official” sounding calls like, “we’re from a law office” (I looked up their number by the way on Google, and they’re a creditor, same as the others, and it’s no law office.)
I’ve commented before on the stupidity of some of these financial advisers. The one that killed me was some dark haired girl on a news show, telling this guy who was a full time public school teacher to “get a second job.” As if this girl had any idea how much of your life is sucked out through just teaching. The poor guy was single, had bought a house and just wanted to know if he should use his retirement to pay off his credit card debt. No, he shouldn’t, which I could have told him, because he’ll need that and the credit crunch is temporary. But to just say, “get a second job” like it was nothing was ridiculous in itself because, Hello there aren’t jobs to be had out there!
Where do they find these people anyway?
The moral of my entry today is to do what you think is right and don’t listen to anyone’s advice (this goes for finances as well as anything in your life.) No one knows more about your life and your circumstances that you. I hadn’t worked for over a year, and I had 10 or more calls a day about my credit cards and they aren’t even that large in comparison to what other people have to deal with. Even when I investigated debt consolidation, is said that paying what I could would still keep my debt as “bad” and not clear anything up. I’ve had no new credit cards, no new purchases, nothing except paying for food, gas, bills, rent, insurance, etc. I cannot imagine what families for four are doing with a mortgage and expenses for kids to go along with that. Sheesh.
So I wonder now that the whole world knows none of us can pay for anything anymore. Not the credit cards we used to buy furniture and moving expenses, not our school loans, not our car loans, nothing. I wonder if we’re going to all get some bail out option. That is, dear creditors, when we have the ability to take up these options and pay. There is no sense in being adamant about offering us write off payments when, Hello, we have no money!
I don’t know what that lady was thinking this morning when she said, “Oh just tell them you lost your job and they’ll help you through it. If that’s true, I want that lady to call my credit card companies and my loan companies and tell them that this is what they should do.” Maybe that will stop them from calling me all day and hanging up or “insisting” that I “call immediately” because my “situation is very important.” If it’s that important, then why didn’t they offer me to work as a debt collector at their office to pay it off. Sheesh.

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One day like this a year’d see me right! November 11, 2008

11/6/2008
07:16

So typing in a journal. I forgot I had that capability. I’ve just not written much of anything lately for and about myself. I kept thinking to, kept thinking I should start a new blog, get onto a new project but, alas, I have too many reasons to not. Old things tie you. You become so attached for so many reasons that it’s easier to go along with what was then ditch it all for something new. Maybe I can have duel diaries; one for random, “this is what’s going on?” as D.D. is, and one for “this is really what’s going on.” I’d like that. I’d like it to be without hype and without promotion too. Just sitting there, waiting to be read by the random passer by.

But anyway, so what’s going on? Okay, I’ll write it down. I’ll list it even since that’s making things easier for me these days. I have to first mention that I’m quite down today too. I have this nagging feeling about the election; what the world wants generally isn’t a good thing, as most people can agree. So it’s scaring me to death at what’s to come (though I know I shouldn’t be.) And since I’m so in the minority on this, I won’t say anything else about it. I just hope it really is the right thing.

So back to the list:

Librarian School still hasn’t given me a thumbs up or down and I’d really like to know if I’m in because otherwise I need to send transcripts to other schools (not that I have the money for that anyway. It seems like my stakes have to be set in this school I’m awaiting a word on anyway.)

I have been offered a temporary full time job at the Cape. This means I have to give up teaching in the afternoons and try to manage just teaching at night at least until Christmas. Today I have to meet with the professor who is taking over for me then meet with the class and get them ready for the exam next week. Plus, I have papers to grade and turn back so I have to make sure everything is accounted for before I turn them over to someone else. I like the students there, I do, but teaching in the afternoons has been a bit of a pain. I leave in heavy 5 o’clock Orlando traffic and I’m starving and ready to go home, just to have the empty apartment waiting for me. But I digress…

So, the new job requires security. I’ve gone through all the security clearance hoopla (even having to report the statistics of my ex and not B.B. which I found odd) and about my traffic violations (I can’t remember that stuff!) and the drug test (they tricked me and gave me a breathilizer too; good thing I didn’t have a beer the night before!) That should be cleared, if they get ahold of everyone who I listed as friends, neighbors and co-workers, and they don’t find any discrepancies in my file, in six to ten days. Next week, I’m hoping, will begin regular work.

11/10/2008
10:35

It’s not even 11 in the morning and I’m already hungry and making pasta for lunch. Oh well.
I’m also forcing myself to grade papers and get things in order. I really should tally grades up too but, alas, I just want to be done with the class I’m dropping and go back to fiddling around with fun work for the class I’m keeping. I met with the new teacher last week, the one who is taking over for me in for the afternoon class. I am so grateful for him to take this class over and I’m glad the students are optimistic about him teaching them. I can’t help but think how teachers are so stuck in their own ways and I’m wondering how this transition will go on Thursday. I keep thinking too, how the new teacher sort of gave me 20 questions about how and what I did things, even giving me the typical, “Well did you try this with them?” What was most “interesting” about the new teacher’s suggestions is that I’ve taught for a longer time and {cough cough} have more experience under my belt. But, we all know how people love to be; oh, let me give you my advice and my input on something you never asked me to give you advice or imput about.

Anyway, I’m done with that after today too. (Unless said new teacher continues to ask me questions about it. I’ll go as far as to mention that I’m a tender hearted gal and this is an older man so it’s safe to say we both have vastly different approaches to teaching.)

So back to this pasta I’m cooking. I’m back on my diet after going to every fast food place in town. I’ve thankfully not gotten too big but, alas, I have to really watch my intake again. I’m hoping with the full time job and the regular schedule it will cut my food down to size once again. I will no longer be sitting around being bored at night and munching as a form of entertainment. (I have even resorted to food shopping as an activity of exercise and mental occupation in the wee hours of evening.)

I’m starting a different exercise routine as the treadmill in my local gym has been broken for, oh, 3 months now (at least). I started jogging a bit on Friday and while I could be doing the same today, I have these papers around me and the starvation making me ill at the moment, so instead I’m typing and waiting for my whole wheat rotini to boil for 15 minutes.

11/11/2008
10:50
I’ll tell you what I’m sick of. I’m sick of stupid Firefox. I don’t understand why its add-ons break the browser. I don’t understand why some add-on toolbars show up whenever they feel like it. I don’t understand why websites simply won’t work in it sometimes. I don’t understand why it lost its appeal so quickly just by being crummy. I don’t understand how I can need, yet another browser, such as Chrome to combat Firefox’s lack of performance. And I thought IE was bad. Sheesh.

Anyway, I’ll put together this blog post today. It’s been a while so I really should get cracking on it. I worked at school late last night so some work is done, but, alas, some work still needs to be completed. And no calls for my new job yet, no calls from Librarian School. Only random hang up calls from Unknown callers as usual.

Man, I’ll be glad when I can work and get the credit monsters off my back, at least for a while.

12:31
No sooner did I write that when I was called for my new job. I start on Monday. Of course, thanks to my parents, I started getting that second guessing feeling of, “You know it’s only temp work. You only get temp work, you never get regular work like everyone else…” Stupid thoughts. At least I can fight them off a lot easier now though.

Photo credit: LivingWilderness

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