So I'm in a great mood. After almost overdrawing yesterday, I decided to take a step back and think about my whole financial picture. I don't know if this is bipolar or not, but I tend to completely avoid problems I don't want to deal with. I convince myself I don't have to deal with them. So big suprise when I was 18 I got a credit card and by 21 I had $5000 in maxxed out cards that I decided to ignore. In a moment of desperation after avoiding collections agencies, I called Care One Credit Services and they worked with me.
Nor for the last five years I guess, I have been paying off these cards. It is one automatic payment that gets dispursed to the three credit card companies. I just checked my accounts for the first time in a couple years (ridiculous, I know) and realized I'm all payed up!!!
Not only that, but I'm a total of $100 over payed, which means I get money back! Woohoo!
Now I have to tackle the student loans I have been completely ignoring since dropping out of school five years ago :(. Oh well, little steps!
-- An elated tainted.