Psycho-Babble Medication | about biological treatments | Framed
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A pile for everything, and everything in its pile

Posted by Bob on October 23, 1999, at 21:11:24

In reply to Re: Finances, messy rooms & messy minds.., posted by Noa on October 23, 1999, at 20:27:58

Like Noa, I've gone the credit counseling route. Again, the org I'm dealing with can be contacted at Unlike Credit Counselors of America (at least that's what I think they call themselves here in NYC), Genus did everything on-line, over the phone, and by fax. CCA wanted me to come in for a sit-down meeting. WAAAAAAY too much stress for me to cope. I had an agreement with Genus before I even realized it. When it did sink in, it felt even better. All I have left is my Amex (but I gotta get that sign & travel account down!). Genus does the automatic deduction every 15th of the month, and I know exactly how much I need to have in my account on that day. That is a tremendous relief! I never new predictability could be so comforting. Now, if I can just get my Amex card use in check. aCk!

I've just consolidated my student loans as well. The coolest thing about it all is that between the two debt consolidations, I'm saving over $100 a month on payments. I can mark my calendar for which day of the month the payments will be deducted, which helps me tremendously with my budget (what's that? a BUDGET?! ME?! HAH!! ... wait, I guess I CAN do that now!). I can even mark down the exact dates for when my credit will be clear and when my loans will be paid.

Finances were always a challenge to my competence. I couldn't keep all my bills straight, it was all so overwhelming, it drove me into blind panics. But now, I have four bills outside of living expenses (rent, utilities) I need to account for, and that's something I can manage. Phew!!!

Physical organization? HAH!! Wrong person for that.





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