Posted by Bob on October 15, 1999, at 6:18:35
In reply to Re: matters of personal finance--PS, posted by Noa on October 15, 1999, at 2:40:34
>Then I am sleepy all day, though continually restless and fidgety. Is this just a med reaction, or should I be wary of a med-induced hypomania?
RE: the PS ... you got me. =^S It seems to me, tho, from the accounts of others while hypomanic that lack of sleep did not leave them sleepy. Sounds like the aggitation may be just plain sleep-deprivation-induced jitters.
I went the credit counseling route FINALLY! myself just recently. I feel so proud of being able to take some charge to get on top of my fears. I kept trying to clean up my record, but one bastage farging icehole company (First USA) jacked my rate up to 26.7 and wouldn't lower it short of an act of God. I went to Genus (www.genus.org) and they have been way too cool about it all (especially having the weight to knock F-U-SA down to 8% =^). After I did that, I consolidated my student loans. The great thing about the consolidations is that even while paying on the most aggressive plan for the student loans, I'm still saving $50/month. Hopefully, I'll take that money and put it into something that will grow some more money. Anyway, I went from 8 bills to 3, two of which (Genus, SLoans) come right out of my bank account (like you said, it is sooooooooooooooooo good! not to have to face opening those envelopes!) plus my Amex, which I pay on-line thru their very cool website. Having those monthly deductions, and only two of them to face, gives me something to start building a monthly budget around with a level of complexity (next to none!) that I can handle.
The funny thing about all this is as soon as it hit the credit bureaus that I had consolidated my credit card debt, I started getting offers for new cards! Each week, the offers get more outrageous -- I'm now in the no security necessary, moderate starting rate that drops in several months, $1-3000 limit range. It feels so good to laugh at them, rip them up, then dumpt them in the recycle bin ... in the past, I was always trying to play the balance transfer game. Just got me in deeper.
Anyway, I did have some concerns about how working with a credit counselor might look on my report ... with the sharks starting to circle again, looks like my "circulation" has improved instead of getting worse ... too bad them sharks are toothless, too bad for them, that is.
Bob
poster:Bob
thread:13154
URL: http://www.dr-bob.org/babble/19991016/msgs/13182.html