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The Working Girl Blog #26:
Got some good news To see all of Bobbie's "Working Girl" blogs, click on this link: http://bigclosetr.us/topshelf/book/19261/working-girl-blogs |
It's always a good thing when you get good news. But, I guess, I can't be blamed for waiting for something bad to happen now. You know how it is - just when something good comes up, something bad usually comes up to counteract it.
Well, I just got a humungous piece of good news.
Yesterday, I got a letter from my bank (yes, apparently snail-mail is still in use). Fearing some other piece of bad news (be truthful - when have you ever gotten any good news from your bank?), I opened the envelope, and read the letter. Well...
According to the bank, given my exemplary credit performance and my conscientiousness in paying off my loan, the bank is waiving my last three loan payments... What?!!! (... and they hope that I will continue to patronize their services...)
Enclosed was a gold MasterCard and all I needed to do was to visit their bank to activate it. Hmmm...
Anyway, since it was already late when I read the letter, I couldn't call them anymore so I fired off an email to them, trying to confirm the news.
I read the confirmation email when I opened my Yahoo mailbox as soon as I got to the office (someone at the bank was working late, I see).
So that means the payment I'm making today will be my last! Woohooo! After ten years laboring under this heavy financial burden, it's like a massive weight has been lifted off my shoulders. Although, to be completely honest, it wasn't all that bad until I had to make new loans for my operation and other medical procedures, which kicked my payables up fifteen-fold. That took some doing as I was afraid that they wouldn't approve the first loan if they knew it was for THE operation, so I fibbed about that. Although I was totally truthful with everything else. (Actually, the other procedures were the more expensive ones.) The financial burden, and not being able to go to my family for help, or even to tell them about it - it was the lowest and scariest point of my life.
Anyway, starting next payday, I'm gonna be free and clear!!!
I was telling Aunt Andrea that I plan to make no new big purchases for at least a month, just to know how not owing anyone anything felt for a while, though I don't know if I'd have enough self control... Hmmm. Maybe I can give that new gold card a bit of a workout... a new computer, a new iPhone, an iPad, that nice outfit I keep looking at, fix up Cricket, a long cruise, new TV, a car for my dad, and, and, and... Wait!!!
I guess if you haven't had much in a long time, things like this make you babble.
My worry now is that, since nothing ever comes for free, I'm wondering what bad thing will happen to offset this... Sorta the everyman karma philosophy, I guess.
Anyway, I just asked my boss for the afternoon off - I plan to pay off my last payment personally. I also called my friend Nikki, and she's also taking the afternoon off to go with me and celebrate. Afterwards, I'm gonna treat for dinner. A reeeaaally expensive dinner.
I'm off to the bank, now. Talk to ya later!
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Comments
*Jumping in excitement*
I'm sooo happy for you! ^_^
Okay, a word of advice and a joke:
Don't let it go to your head. The reason for this is perhaps one of their board of Directors found your blog and was entranced by the wonderfulness of your writing, so... ;)
Faraway
Big Closet Top Shelf
Where you can fool around like you want to and most you get is some bemused good ribbing!
Faraway
Big Closet Top Shelf
Where you can fool around like you want to and most you get is some bemused good ribbing!
“Beware...â€
“...of Greeks bearing gifts†as the saying goes.
Used judiciously (by paying the complete balance off every month), a credit card can be a wondrous thing.
However, in the longer term, they're one of the most expensive forms of credit available.
Congratulations on ridding yourself of your debt burden—I just hope you don't inadvertently create another for yourself with the bank’s “gift.â€
I can still remember the pleasure of finally paying off a mortgage, and fully empathise with you in this respect: there is something really liberating about it, isn't there?
Pecuniary Slavery
Bike Archive
Bike Resources
You already HAD the bad...
This is just "pay back" for having been born in the wrong body. :-)
(Do check the "fine print" on the credit card though. Some of them come with humongus fees these days. *sighs*)
Congrats on being out from under debt though. It's a wonderful feeling. (I'm looking forward to the day I'll be able to say that, and no surgery's scheduled yet. And, eldest has a 5th year at Uni followed by Med School... Ouch... Then, she has a younger daughter. And, there'll be weddings. Okay, forget getting back out from under debt. *sighs*)
Glad to see you happy, though, I do understand the feeling of "wondering when the shoe will fall"...
Thanks,
Ann
Ploy
So the bank have waived your last three payments...
...and given you a new credit card.
Hmmm. What's the betting they're hoping you (and others in similar situations) immediately go wild and spend the entire credit limit in one go, so they're assured of a nice regular income.
Instead, it looks as though you're going to be sensible and be a "boring" customer (from the bank's POV), avoiding big purchases and card interest payments unless absolutely necessary. I expect you'll allow yourself occasional treats, but all the time ensure you don't spend more than you save routinely!
As the right side of the brain controls the left side of the body, then only left-handers are in their right mind!
The Working Girl Blog #26: Got some good news
Hip Hip Hooray for you. It's always wonderful to share in another's joy.
May Your Light Forever Shine
May Your Light Forever Shine
*Snoopy dances in excitement for you!*
So happy for you. So many of us are so in debt it's like seeing a fellow inmate get out of lock up.
Bailey Summers
If you can,
Be sure to get them to give you a release of debt form, or at least, a statement showing that you are paid in full.
Then, for the next three months, where you would normally have made those additional payments, make them anyway - but to a savings account. (or in your checking account, just keeping in mind that it's 'non-existent money')
You'll still feel good that you don't have that burden over your head, but you'll also be establishing a nest egg of emergency money that will help you down the road. During that period, you'll also have a chance to rework your budget to allow for the extra money as well as extra savings.
BW
I'll get a life when it's proven and substantiated to be better than what I'm currently experiencing.