I feel like I have been on a roller coaster with this moving situation, first I'm up, then I'm down. Current status: UP. Future hubby and I just got back and we found great potential. Also while we were down in the durty durty (south) we knocked off some items on out "wish"list (see next column): computer desk, massaging pillows, paper shredder and home phone. We are still trying to tackle that desktop computer... it's comin'.
I was out of town this weekend but my BofA secured credit card account that I was struggling with started reporting to 2 out of the 3 credit reporting agencies. That was pleasant to come home to see! Now I'm just waiting on CJ to report and Transunion and Equifax to re-send my info.... then it's time to start slashing and splashing my credit history!
Monday, July 23, 2007
Thursday, July 19, 2007
progress
Guess what? I'm still not finished packing....
they'll be here tomorrow around 1pm. My fian and mom keep telling to quit my minimum wage student worker piece of crap job so I can stop stressing and get things accomplished! I graduate in 16 more days (August 4), everything is coming so fast! I need a nap!
Fian and I have been on top of things with our wishlist. Check the list... our next quest is the desktop computer and the home phone!
they'll be here tomorrow around 1pm. My fian and mom keep telling to quit my minimum wage student worker piece of crap job so I can stop stressing and get things accomplished! I graduate in 16 more days (August 4), everything is coming so fast! I need a nap!
Fian and I have been on top of things with our wishlist. Check the list... our next quest is the desktop computer and the home phone!
Tuesday, July 17, 2007
one step towards mankind
Yesterday my fian and I got our first card together... Sam's Club membership. It is a start! I was so excited too but I took the worst picture! Oh well. I thought a membership to Sam's Club was sooooooo exclusive but they said they can sign us up right then and there. And we got 2 free soccer balls for signing up. I love window shopping at Sam's.. Therefore I put a "wish"list on my blog for the items I want to purchase from there for our place.
I was up till 2am last night packing! I just found out instead of being packed and ready to go by August 4... I have until this Friday to get my s#$%^ together. I am tired and definitely don't want to be at work or go to class. I am half anxious/excited to be moving. At first I was terrified yall but the new and unknown has me excited.
I am still waiting by the mail for BofA to send and report my card. I'm not holding my breath though... they are a little on the slow side, if you know what I mean.
By the way, fian and I have yet to "set a date" after the engagement. I have to get graduated and get a job and we both have to get moved!
I was up till 2am last night packing! I just found out instead of being packed and ready to go by August 4... I have until this Friday to get my s#$%^ together. I am tired and definitely don't want to be at work or go to class. I am half anxious/excited to be moving. At first I was terrified yall but the new and unknown has me excited.
I am still waiting by the mail for BofA to send and report my card. I'm not holding my breath though... they are a little on the slow side, if you know what I mean.
By the way, fian and I have yet to "set a date" after the engagement. I have to get graduated and get a job and we both have to get moved!
Thursday, July 12, 2007
job huntin'
I am back on the job hunt again but now for a different state since fian and I are moving together, I feel like Krystal... and thanks to Single Ma for her encouraging words about moving in together while tackling my finances and credit history. Any hoo, I sent out a blanket of resumes and cover letters to business in the area that we are moving. I'm a tad discouraged because I have the notion that companies will frown upon the fact that you are "new" to the state and applying to their job position, and will basically disregard my stuff. But my best friend who is now living in the area where we are moving to... her hubby's sister and mom have their own business and are looking for a graphic artist. So of course, my BFF automatically mentioned my name. I'm going to shoot over my information to her sister-in-law later today... excuse me if I sound a bit desperate right now but I am ready to pursue my career.
Wednesday, July 11, 2007
8 Random Things About ms.voad
1. If/when I walk home at night I must talk on my phone to some one or else I won't walk. Clowns will eat me!
2. I hate for my food to touch.
3. I go through magazine, pick out misspelled words and email the company. It's no fair that these people are getting PAID to make mistakes and I'm getting student wages! It's the GD (graphic designer) in me!
4. My favorite musician is Bjork and I catch a lot of sh@#$t for it but so what!! you'd like her too if you gave it a chance!
5. I have a itty-bitty tattoo on my right hip. I wanted to see what the needle felt like before I get a tattoo of the big cyprus tree I've been sketching. But I actually want to get the duck from Bjork's image on my other hip for my next tattoo, who know?!
6. I hate to draw but I love to design.
7. I love date-time tv or court tv. I could sit for a whole day and watch a marathon of Blind-Date, Judge Mathis, etc. But because of school i haven't seen that show in about 4 months.
8. Lastly, through my engagement with my wonderful fian.. I get to move near my best friend who recently moved and is expecting a baby boy this August, and fian and I are the god-parents!
2. I hate for my food to touch.
3. I go through magazine, pick out misspelled words and email the company. It's no fair that these people are getting PAID to make mistakes and I'm getting student wages! It's the GD (graphic designer) in me!
4. My favorite musician is Bjork and I catch a lot of sh@#$t for it but so what!! you'd like her too if you gave it a chance!
5. I have a itty-bitty tattoo on my right hip. I wanted to see what the needle felt like before I get a tattoo of the big cyprus tree I've been sketching. But I actually want to get the duck from Bjork's image on my other hip for my next tattoo, who know?!
6. I hate to draw but I love to design.
7. I love date-time tv or court tv. I could sit for a whole day and watch a marathon of Blind-Date, Judge Mathis, etc. But because of school i haven't seen that show in about 4 months.
8. Lastly, through my engagement with my wonderful fian.. I get to move near my best friend who recently moved and is expecting a baby boy this August, and fian and I are the god-parents!
Tuesday, July 10, 2007
from scratch
Well I had to go toe-to-toe with Bank of America yesterday, the thing is, on June 30 I was strolling around looking at all the things I shouldn't buy when it dawned on me to inquire about getting a secured credit card with one of the local banks. I finally ended up at Bank of America (BofA for short), I told the personal banker what my goals are and he was quick to sign me up and even tried to push the Bank America checking account. So we sat down he entered all my information in the computer ans said YES! I qualify for a secured credit card. So I gave the man my money order and he said I should have a card in the mail in about 10 days, well no less than 7 days later... I get a denied letter stating you were denied for the credit line that you were seeking but you have been PRE-APPROVED for a SECURED CREDIT CARD! I'm thinking to myself, are they smoking crack? I just applied and gave BofA my money and you told me I was denied and yet pre-approved for the same card AND not only that, they pulled my credit report 4 times AND not only that my funds were deposited into a savings account meaning that I have no card with them but they made sure I signed up for their savings account by default!
In my fury, I called the customer service 888 number and the slow woman on the other end said... oh well if you don't want the card just go into a local branch and you will have to cancel the account. I hung up on her. I felt an injustice in my bones. I called the banker that I opened up the account with, got on my soap box and started spitting everything out. He was like hold on, hold on, let me get your name, SSN and phone # and I will call you right back. Well by the end of the day (6pm) he called me and said, ohhh ms.voad don't worry what happens is: (listen to this yall) no matter what card you are applying for with BofA, they input all your information into a general application and whatever you get approved for is what they send you in the mail. He said ms.voad your information was entered as a general application and you were only pre-approved for the secured card...well duh!
So he told me that he will pull the money out of my savings account, write a cashier's check for the card and I should receive the card in 10 days (I won't hold my breath this time but it sounds good). Ok that last part was kinda bad, he did seem very apologetic about how everything happened but was assured that I will have to do nothing except sit by the mail box and wait for my card. Low-and-behold, I checked my BofA account today and it said that a deposit was done from BofA. So I should be all good.
When I tell yall I am starting from scratch I am really starting from scratch... it may not have hit what some may call rock bottom but I'm willing to climb my way to the top. Baby steps yall!
income-ing: well I am extremely excited. I have been receiving little spurts of income, first something that I thought I wanted I put a non-refundable deposit down back in March-ish... I thought all hope was lost until I decided not to pay the remaining balance and write the company an email saying that I didn't want their product, they thanked me for my business and yesterday I got my refund in the mail- $250! I just check my online earnings for this pay period and it seems I am getting two checks deposited into my account for payday, DON'T TELL NO BODY! and I'm getting a refund back from the bank- $49, and one uncleared check from last payperiod- $125 also a refund credited for a train ticket I did not use- $27, all total a fat $905. So some of the money was once mine but all of that is hitting my savings for "fiance and me'z" moving fund.
In my fury, I called the customer service 888 number and the slow woman on the other end said... oh well if you don't want the card just go into a local branch and you will have to cancel the account. I hung up on her. I felt an injustice in my bones. I called the banker that I opened up the account with, got on my soap box and started spitting everything out. He was like hold on, hold on, let me get your name, SSN and phone # and I will call you right back. Well by the end of the day (6pm) he called me and said, ohhh ms.voad don't worry what happens is: (listen to this yall) no matter what card you are applying for with BofA, they input all your information into a general application and whatever you get approved for is what they send you in the mail. He said ms.voad your information was entered as a general application and you were only pre-approved for the secured card...well duh!
So he told me that he will pull the money out of my savings account, write a cashier's check for the card and I should receive the card in 10 days (I won't hold my breath this time but it sounds good). Ok that last part was kinda bad, he did seem very apologetic about how everything happened but was assured that I will have to do nothing except sit by the mail box and wait for my card. Low-and-behold, I checked my BofA account today and it said that a deposit was done from BofA. So I should be all good.
When I tell yall I am starting from scratch I am really starting from scratch... it may not have hit what some may call rock bottom but I'm willing to climb my way to the top. Baby steps yall!
income-ing: well I am extremely excited. I have been receiving little spurts of income, first something that I thought I wanted I put a non-refundable deposit down back in March-ish... I thought all hope was lost until I decided not to pay the remaining balance and write the company an email saying that I didn't want their product, they thanked me for my business and yesterday I got my refund in the mail- $250! I just check my online earnings for this pay period and it seems I am getting two checks deposited into my account for payday, DON'T TELL NO BODY! and I'm getting a refund back from the bank- $49, and one uncleared check from last payperiod- $125 also a refund credited for a train ticket I did not use- $27, all total a fat $905. So some of the money was once mine but all of that is hitting my savings for "fiance and me'z" moving fund.
Sunday, July 8, 2007
monkey wrench
I know I have been M.I.A. since my mini- holiday but my BF decided to throw a wrench in every one's plans and proposed to me........I'm engaged yall!!! He was too adorable the way he did it, it was a private moment that him and I both shared.... none of that "basketball-marquee" proposal. So....
We are working on moving together at the beginning of August so I will be preoccupied with planning my future.. but I'm so excited my cheeks hurt from smiling.
We are working on moving together at the beginning of August so I will be preoccupied with planning my future.. but I'm so excited my cheeks hurt from smiling.
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