In which I’d forgotten I’m a second-class citizen.
Today I went to a local bank and tried to open a checking account. I was denied (thanks, TeleCheck) because the many bills from my marriage haven’t been paid and they’re all in my name. I never did deal with my financial issues… mainly because I haven’t had a real job until now.
I’ll be getting a post office box (to keep my bills from filling up Gramma’s mailbox, once my new location is known to my diverse creditors and they start harassing me), requesting a report from chexhelp.com, and then contacting one of those places that helps you get your bills reduced by working with your creditors. I’ll spend the winter and spring paying back my family (for the move and upcoming surgery), and then I’ll spend the next ten years paying off all the credit card and cell phone companies I owe.
Although, if The Ex sells the farm property and he sends me some money, it may only take five or six.
Years.
To get out of utter, abject debt.
Today’s moral is this: no matter how deeply in love you think you are, do not put all the bills of any relationship into your own name, spend more than you earn, allow your partner to quit working, let the relationship fail, and then spend a year depressed and not making any money.
Because while it all sounds really super double-plus fun, it totally fucks up your credit score. For real.
There are plenty of ways to get ahead. The first is so basic I’m almost embarrassed to say it: spend less than you earn.” – Paul Clitheroe
“The poverty of our century is unlike that of any other. It is not, as poverty was before, the result of natural scarcity, but of a set of priorities imposed upon the rest of the world by the rich. Consequently, the modern poor are not pitied…but written off as trash. The twentieth-century consumer economy has produced the first culture for which a beggar is a reminder of nothing.” – John Berger
“Poor and content is rich, and rich enough.” – William Shakespeare
“The only man who sticks closer to you in adversity than a friend is a creditor.” – Author Unknown
Until I get my finances sorted, I am unable to open even a savings account. I’m not sure how I’m supposed to pay all these bills when I can’t get a checking account and debit card… I’ll be standing in line at the post office buying money orders ad infinitum, I suppose.
Sometimes it occurs to me that I have made a bit of a hash of certain aspects of my life. *sigh*

