Archive for September, 2009
I want to pay off my credit card debt. What are the best consolidation services I should use?
Sep 27
Also, do you build credit any faster if you have a more “risky” card (like higher interest or one with a low grace period)???
The total debt is around $2500. My credit score is probably small due to my age and debt.
I need to get this under control, especially now as I look for a new job because I scored a whopping 8 hours of work this week, compared to my normal 40.
Thanks
I will choose a best answer and dish out points whenever possible
Alright so basically, my ex-girlfriend and I broke up like 3 months ago because she said that she needed time to “grow up”. Basically, we decided to still be friends because we really still like each other and get along great. However, I am still very much in love with her.
The problem is that lately I’ve been feeling really down around my ex and kind of jealous and I don’t know why. She’s basically perfect at everything. She’s very attractive because a lot of guys flirt with her, wears size 00 pants, exercises constantly, her parents are wealthier than mine as she lives in a half a million dollar house and her dad retired at the age of 48, she always gets whatever she wants (material-wise), she makes friends easily, has time to join lots of clubs in college, works as a store model for Abercrombie and has a higher GPA than me while majoring in journalism, and sometimes I feel like she has all of God’s blessing even though she is extremely atheist.
However, I am the complete opposite as I always work for what I get. I’m in one of the top 10 business schools in the nation but struggle to maintain a 3.0 GPA and spend most of my time studying, I haven’t met very many people in college because I’m trying to save money by living at home with my parents (my ex lives in the dorms which her parents pay for), I spend all my free time at home, I don’t find myself as attractive because I’ve only worked for American Eagle and I am Asian, my parents want me to earn things so I have to work to pay for my clothes and stuff unlike my ex, and lately I’ve felt like God’s deserted me even though I try to follow his teachings.
I just feel crappy to the point that I’ve been unmotivated to study and I want to sleep all day. I’ve stopped going to the gym and I have been wallowing in my own self-pity, I’m always wishing that my parents were a lot richer because my ex gets to finish college at her own pace while I’m pressured to finish in 4 while her parents can also afford to let her take summer classes to make her workload easier while I don’t have that luxury.
The only thing I feel like I have an advantage over her is that I know how to invest and save my money better than her because she can’t save her own money at all. She doesn’t even know how the basic definition of a stock or how a credit and debit card work.
Despite all this I feel like God’s let me down. Why does he bless people that don’t believe in him? Should I stay away from my ex even though I still love her? She is white and we’ve known each other for 4 years and dated each other for 2 and a half years. Can a relationship with 2 different people like this work out again? Why do I feel this way? I get really jealous because no girls flirt with me at college compared to guys hitting on her. What should I do?
-Please help torn college student
To go back my original question, i wanted to know if i have to be a customer of a bank to apply for its credit card. For example, what if i want to apply for the CITI® mtvUTM PLATIMUM SELECT® VISA® CARD, should I be a Citi Bank customer?
I only have funds in Wachovia (Checking and Savings), can I ONLY apply for a credit card from Wachovia?
Thanks a lot in advance!!!
I was wondering if I should pay my whole credit card bill and just have no balance left (this balance has been dangling in the air now for quite awhile now, and what a relief it would be), or should I only pay say about 100-200 and have money left over for my other bills and even when those are done still have money left over? If I pay my whole credit card bill I will only have about 175 dollars left in my checking account, only enough for groceries and my phone bill, not the bills I owe my parents, who are understanding about it. And I won’t get another check until the 26th of Oct from the clothing store I work at, and it will be optimistically about 340 dollars. What would be the wisest thing to do financially? Should I wait til my bigger check from the school district on the 10th of Nov. comes and use that to pay it?









