Sign of the Times
I opened up a piece of mail today, read the first line and burst into hysterical laughter.
Let me explain.... the first line was "Your responsible financial history has earned you this $1600.00 travel voucher."
Yes, ok, it's basically junk mail, but the very fact that I received it indicates a change in my life. You see, 18 months ago things were a lot different in my life. Piles of bills, no money and no credit, in spite of working two jobs. A live-in partner who I was supporting and who was draining me dry. Life sucked, basically, and I didn't know how I was going to get out of it.
As it happened, fate took a hand and the partner moved out of his own volition (I didn't have the guts to tell him to leave myself) Once I got over the shock of being on my own for the first time in my life, I set about getting my life in order. Started out small by tossing out all the junk he had left behind and creating a more comfortable environment for myself.
At the same time, I started trying to take control of my finances, which were in an unchecked downward spiral at the time. I hated getting phone calls because they were usually collection agencies.
However, I got on payment plans and kept track of everything. Kept my spending within bounds and eventually things started getting better.
After a year, when the lease on my apartment was up and I felt like I just had to get out of there, I looked into buying a house - pretty sure that my credit was too bad still for such a thing to happen. Amazingly enough, I qualified for a loan on a house and, without having to support anyone but myself (and the cats) I was able to fit the mortgage payments into my budget without too much trouble.
Six months later, when I wrecked my old car and found myself looking at getting a new (actually, 2 yr old) car, I was surprised again when I qualified for the loan, and was actually able to fit it into my budget.
Sort of makes me wonder where all that money was going before, because it certainly wasn't ending up in my savings account.
Anyway, the culmination of it all is that now "my responsible financial history" (excuse me while I fall on the floor laughing) has qualified me for a free Caribbean cruise.
You've come a long way, baby :-)


