A Woman’s Diary

photo credit: SqueakyMarmot

Somebody, please help me out. I am spending way too much money and I just can’t seem to get a grip. I know one of my resolutions was to try to cut my spending both online and off, but I just haven’t managed that yet.

I just paid a $500 credit card bill today. Then I come home after of course going shopping and spending $200 at the mall…I go online and check my credit card balance prior to the $200.

Guess what…it is over $500 ALREADY!!! That’s not including the $200 I just spent, or some other things I put on the card that haven’t shown up yet. Seriously…what do you guys/gals do to control your spending?? Mine is outrageous!!! … and no… I don’t want to cut it up or get rid of it.

I guess I’m one of the lucky few who doesn’t have bad credit. I can’t imagine not being approved for loans, financing, or even a credit card.

As I mentioned sometime ago, my aunt has had bad credit for a few years now and was able to get back on her feet not too long ago. How did she get bad credit in the first place? It was her crazy spending on 3+ credit cards she had. It was insane!! Then she didn’t make payments for months and it all went downhill from there.

Websites such as BadCreditOffers.com offer you a free consumer resource. They bring you the best “bad credit” offers available which is great since you can get the perfect credit offer even if you have a poor credit history. You can even get approved for bad credit loans.

If you are one of the million suffering from bad credit, then you’ll probably want to check it out.

Are you one of the million people who currently have bad credit and can’t obtain a loan because of your rating? Then you may want to take a look at BadCreditOffers.com.

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Check it out today!

Guess what I received today? My cell phone bill….can you guess how much it was for?? $40..nope higher. $60..nope higher. $80..nope higher. $100..nope higher. $130..nope higher. $150!!..nope higher.

$173.80!!!

When I opened the envelope, I couldn’t believe my eyes. It’s not like I was calling long distance or downloading a bunch of things. Heck, I didn’t even go over my text messaging limit. I went wayyyy over my daytime minutes!! 400+ minutes over!! I can’t believe I talked that much!

I am sooooo screwed and very pissed off!! Man, I’m shutting off my phone and no longer using it. Seriously, I can’t be spending that much on a phone bill for no friggin reason. I’m going to examine this bill thoroughly and make sure everything is correct. I’m still in shock over this because my bill is usually around the $60 mark.

My father wants to retire once he turns sixty years. That’s in about nine years. I think sixty is a good number to retire. He has worked his entire life for bettering our family and has done a great job. I wonder if he’ll get family insurance or already has it? I don’t know.

To be honest, I hate dealing with so many kind of insurance. Seriously, it’s like we need insurance for everything in our lives. Just think about it - car, house, pet, medical, life, family, etc…there are so many!!

Just thinking about it all gives me a headache!

How many accounts do you have at your bank? I have three - 2 checkings and a savings. If you don’t have a checking account, you may want to get one. They are great for using it as your spending account.

You can sign up for a WaMu free checking account at WaMu.com. You get a few things for free which includes: checks, check safekeeping, and wire transfers. All of this is just super!!

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What are you waiting for? Get a free checkings account today!!

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Some things you get free include:

• free checks
• free check safekeeping
• free wire transfers

Now who wouldn’t love that?? LOL…I know I would. the WaMu checking account is great since you can also access your money through their DebitMasterCard and at many WaMu’s free ATMs.

Visit their site for more information.