Hawaii Nesties
Dear Community,
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Debt :(
I have been on my own since I was 18....completely on my own,. I worked fulltime paid for school and rent and my car all on my own. I'm sure lots of people have done it and got by. In this day of age it's so difficult to make it on your own without accumulating debt. I am happy to say that I am almost debt free except for one debt that has been so frustrating. Everytime I would set money aside to pay it off, something would come up and it would go unpaid. Or when I would call to set up a payment plan it would be way out of my budget and they would expect me to pay it off in 2 weeks, so it continued to go unpaid. So this mornign I get a phone call from the debt collector saying that this is my last chance to pay it off and I only have two choices, pay it off today or in two months. I told her I could pay it off in 4 months, not acceptable. She gave me till 1230, so 3 hours to decide how to go about doing it. I get they want their money but come on be realistic. MH and I have seperate finances, he doesn't pay my bills and I don't pay his, he pays rent and i pay for groceries, so it works out pretty well. And thank goodness he came to my rescue this morning and I can finally pay ths stupid bill off. I really don't get how people can work for these creditors they really are sharks eating people up. I have vowed to no more credit cards and have been really good over the past 3 years. If I don't have the cash for it, then I don't make the purchase. I have told hubs the same thing.....no more credit!!! It's evil
Re: Debt :(
bummer but glad you are getting it taken care of. we are cash/debit only and it's great. i use cards to earn miles etc, but i transfer money immediately.
I'm in almost the same position - we only have one bill left to pay off (my last student loan) and we're sooo close to done with it. I can't wait to finally be debt-free!
I remember ~10 years ago, a collection agency called me and basically did the same thing yours just did to you - threatened me ten ways from Sunday to pay them in full RIGHT NOW or they would sue me. At the time I was pretty young and she scared the pants off of me! I burst into tears and told her I literally didn't have the money to pay it off (it was only $300 but I was dead broke). She suggested I charge the balance to another credit card!
Looking back on it now, I am so mad at that woman, and the industry in general. I was so terrified that they were going to put me in jail, I probably would've done it, if I had another credit card - but thankfully, I only had the one!
I hear ya...Joseph and I have been digging ourselves slowly out of debt since we got married. Unfortunately part of being self-employed artists living gig to gig (paycheck to paycheck) means that we subsidized our income with credit...mainly for BIG surprises like medical co-pays since we were also self-insured with big deductibles and not the best coverage (J has had two hernia repairs, I had a car accident, etc.) and big car repairs, etc. It was never for frivilous purchases, but we never had enough in savings to cover these things that came up.
Anyway, once we decided to give up our singing careers we came up with a game plan to get out of debt. It's been slow going since Joseph only works part-time and is a full-time student (which also costs money) and now we have Libby. But we paid off two big debts in 2009 and will have two more (including our car) paid off this year.
We are on a strictly cash basis these days and it's SO liberating! We see a light at the end of the tunnel and will never go back to using credit cards...
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