Re: Bad credit, no job but determined - ??? - Posted by Sherri
Posted by Sherri on July 16, 2002 at 22:40:42:
Actually I have checked about getting the bad credit taken care of. An attorney and a credit counseling service (one of those free, non-profits) told me that, since I was joint owner of the accounts, I was just as responsible for the accounts legally. So I was foolish to do like a lot of women do, hand over my paychecks, and let him do the finances. I was totally blind to everything he was doing – or not doing in this case.
Meanwhile I have no money to use as a downpayment on anything, nowhere to turn to get the money (family, etc.) and a job is out of the question because I am determined to finish my degree. After years of putting HIS goals ahead of mine and working crappy jobs so he could concentrate on law school, it is my turn and I am not going back to crappy jobs ever again.
Problem is, my interests lie in the creative arts which means I am seeking a lot of personal and creative fulfillment from my career and I recognize that my chosen field does not pay well traditionally unless you get lucky and make it big.
That’s another reason I want to do RE and do it right. I’ve tried multi-levels, direct sales, whatever you want to call it. I’m tired of the hype and empty promises. I’m tired of working hard and relying on the people beneath me to work hard as well so I can get paid for what they do. I’m tired of constantly working my business every waking hour (as in, each time you go out you must look the part in case you run into someone who would be a great new recruit…). I want to rely on myself and myself alone, not generations of people who need me to be their leader and need to have their hand held every step of the way or they won’t work their own businesses or won’t share ‘the vision.’
I am gradually taking care of the bad credit by making my credit card payments on time, almost have a 5-year new vehicle loan paid off (well it was new at the time), make more than the minimum on my payments when I can handle it, although it’s tough when I’m a full-time student.
Now I’ve got the credit cards to deal with and I know it’s wise to do more than minimum payment although I don’t think I can wipe them out until I get some money coming in from something like RE. And I want to get the student loans paid off too.
Thanks for the info. I will go back to the main part of this board and read some more. I’ve been reading for a couple of hours now.
I called and ordered the Carleton Sheets course today. They have a special where you pay $9.95 and can review it for 30 days, and if you return it you owe nothing. I’m quick so I’ll go through it all as fast as I can and return it. Ha! I’m sure once I read through it, things will make more sense. Or maybe I’ll have even more questions to post on here!
Back to my reading I go…