Credit Card Debt Consolidated

All my credit card debt has been consolidated. The APR is lower than what I was paying on the cards.
The actual cards are not being used. The consolidation loan will be paid off quickly, quickly, quickly.

I feel more free now. Simplifying my financial life is a work in progress. Three less bills in the mail box.

There is a bright light at the end of the tunnel.

Merry Christmas and happy holidays to one and all.

HSBC interest has been lowered again

It is now 4.2%.

People in the mortgage crises and credit card debt are not the only ones suffering. Savers are feeling the pain too.

A few words of wisdom to shoppers...Let me get this off my chest

I just finished an 8 hour shift at the part-time gig. There are a few (well alot) of things I need to get off my chest. Sorry in advance if I offend anyone.


You do not have to get it because it is on sale.

Control your kids. The store is not a playground. Also, teach your little monsters to speak with their inside voices.

I am just the cashier, the powers that be sets the prices. If you think the merchandise is expensive, then DO NOT BUY IT. I couldn't give a flying fvck if you cannot afford your Christmas gifts.

DECLINE MEANS YOUR AZZ IS BROKE. END OF STORY.

You really should not be getting another store credit card. I remember your face from last week when your visa declined. Irresponsible!!

Please take the fighting OUTSIDE. Preferably all the way outside the mall. Cuz if one of you fools miss and hit me, it's on.

COVER YOUR MOUTH WHEN YOU COUGH. SHIT!!

You finished with your purchases and walked away. I don't care if you ran back to get one other item (after 10 minutes, mind you). GET YO AZZ BACK ON THE DAMN LINE. All those other people are waiting. You already had your damn turn.

Is that the line? Hell you think those 30+ people are standing their because we are friends.

The light is off and my back is turned. Is this register open? What you think Einstein. On top of that you see me speaking to someone. How about saying excuse me before you start running your mouth.

You need that shirt off the display? Ask for help, you damn near broke it, then have the nerve to complain.

Word to the couples 'in love', wait until your outside to argue. Obviously two broke people in a relationship is bad chemistry.

DO NOT TOUCH THE COMPUTER SCREEN. You need to know the price ask me.

COMMON COURTESY PEOPLE, COMMON COURTESY!!

2008

I have narrowed down my goal for 2008.

1. Do not incur any new credit card debt.

2. Pay off at least $10,000 of my current debt.

That's it.

I will also start to contribute to my pension as of 2008.

My ultimate long-term financial goal ...

is to retire at age 50.

Christmas Shopping

My holiday shopping budget is $300. This year I am only purchasing gifts for the children in my life. I already know which gifts am purchasing.

Holiday shopping made easy!