One of the decisions I made after being turned down for a car loan, a bank loan, and an apartment recently was that I would trudge on, using the credit I do have and paying on it every month to establish a trustworthy credit history. Maybe if my parents can pay on the car loans, credit cards, and tax obligations they have and establish a history of trust they might be able to co-sign for me sometime in the near future. I don't know when that will be, but I'll just have to keep on truckin' and try again to get out of this situation a few months down the road.
So, since I've been good paying on my accounts for some time and I had paid my Dell account way down, I agonized for a long time about buying a Wii with that account. It was only $149. I talked this over with my parents - how would it look to the rest of those people who live in the basement if I did this? Would they get jealous? Would they understand I didn't horde money and that I would actually be paying the same amount I pay on this account every month? Then I had to agonize over the fact that I don't have a TV. Will I risk bringing the Wii downstairs and having all of them want me to leave it down there so they can play it all night (or steal it)? What if they get angry when I refuse to leave it downstairs? Won't it be a pain to have to lug it up and down, plugging it in and unplugging it every time I want to play? What if I want to play when someone is watching TV? What about the fact that someone is always watching TV?
So my parents encouraged me to go ahead and add a TV to the order. I sweated this decision for days on end. How big of a TV? Where will I put it? How much will all of this cost? Do I want to add this much debt?
In the end, after long talks and groans where my parents told me to just do it already, I ordered a Wii and a TV. They are on the way. One minute after I placed the order my mother asked me if my sister would think that I had used the money she gave us to put down for a car to buy myself a TV. Of course, this just stressed me out, because my mother encouraged me to do it. I didn't use any of that money, anyway. It didn't get put down on a car, but part of it did go toward buying food for the extra four people who live in the basement with my sister, people who she pretends she shouldn't have to be responsible for. Oh, it also went toward putting gas in the car to take them places. I began to plan to use the money to fix up my current car so it could last a little longer - it needs an oil change, a new fender, a front end alignment, and a tune-up. Four hundred dollars isn't going to do all of that, but it could help so the car lasts us through the months until something can be done about getting another car.
She wasted $8700, remember? Tonight, my sister came upstairs to me and asked me to give her $40 out of the $400. She held out her hand and I told her I didn't have cash on me. She asked me where the $400 was. I told her it was in the bank and she freaked out. Why is it in the bank? I told her that's where most people put their money, because they don't want thousands of dollars laying around in a purse for anyone to steal (like happened with some of her money). She asked me if it was all there. I told her it wasn't, because I had to buy food on multiple occasions when the people in the basement ate all of the food in the middle of the night, making an entire box of spaghetti and an entire jar of sauce for just one person and then leaving it out on the stove so the leftovers spoiled by morning. I told her I used some of that money but that most of it was still there and I would just replace what I used on Friday when I got paid. She just angrily stomped out of my room.
So now I feel totally stressed and guilty. You know, I have enough money. When I was calculating the money I would need to get a small apartment and live on my own, I added in the amount I pay on my credit lines. And I had enough to get by - not enough to be splurging left and right, but enough to buy food if I budgeted and maybe a book or something nice here and there. I could have given her $40 out of the bank. She didn't even give me a chance to explain that. And so now I have to feel guilty about the packages that will either come tomorrow or the next day, because I'm worried that she will think I spent her money.
I SHOULDN'T BE WORRIED ABOUT THIS. I didn't do anything wrong. She revealed to us the other day that she bought my nephew a Playstation 3 and $300 worth of games for it. She is also sporting a whole new wardrobe. She gave my other nephew $1500 and who knows what he did with that? She's renting a tux for my nephew to go to prom in and she's planning to buy him these fancy tennis shoes that look like "dressy" tennis shoes because he's refusing to wear real dress shoes. One day she spent $75 between three fast food places. My father drove her to Wal-Mart (she has no license) and said that by the amount of bags she brought out with her he wages she spent about $500. The other day I came home and there were eight twelve-packs of name-brand pop sitting in the hallway and they took them all downstairs into the basement. My father said he took her to buy cigarettes one day and she came out with hundreds of dollars worth of cartons.
But that $400, it's not fair that we didn't use it for what she gave it to us for. Why isn't the $400 a month she pays enough to buy food? There are five people in the basement. That's less than $100 each for an entire month. Last month, on top of paying the phone/cable/internet bill, I also paid on the electric bill and paid the insurance for the car. That was $300 and I bought food, probably around $200 worth (I usually spend around $50 a week buying little things here and there when we run out, like milk, bread, eggs, ham, cheese, etc.). I also put the majority of the gas in the one car we have right now. And here I am, agonizing because I did something nice for myself, something that I'm not even spending extra money on right now (I understand the principle that in the end, I will be spending that money), that I didn't use any of her precious $400 for. Why do I feel guilty?
Because I'm the only one who will.
April 10, 2012
April 8, 2012
April 3, 2012
Hate
I spend a lot of time wondering what I represent to my nephew that has caused him to hate me so much.
I wonder if he sees me as someone successful, even if I myself don't feel the same, because the adults in his life are uneducated, lazy, and wasteful. Some of the adults in his life never received a high school diploma or GED. Most of them live in filth, often with tiers of empty pop cans, stained floors, and uninvited guests. None of them have anything of value because all of their money is spent in cigarettes, beer, and drugs. They jump around from job to job. His father is never home. His mother is never happy.
And here's me. I went off to school, which he (like his mother) mistakenly believes my parents paid for. I earned a higher education than he even knows exists. I'm messy, but I rearrange and clean my room regularly, mainly because it's tiny and I desperately seek the perfect combination for some kind of feng shui. I have a fantastic computer (hexacore), beautiful clothing, a car I paid for despite the fact it's in my father's name, and a small refrigerator bursting with healthy food. I've been at my albeit crappy job for more than six years. My father is retired and likes it that way. My mother can be made happy with a strawberry sundae.
I think it's because I was a kid when he was born, and he finds it hard to think of me as an adult. I think his mother whispers in his ear that I am not a grown-up because I live with my parents and so I supposedly don't have any bills. I think whispering must be the only way to communicate, because no one hears it when I shout that she isn't a grown-up either if that's the definition as she lives here, too, with her parents. He doesn't understand that the phone he uses, the cable he watches, the net he surfs wouldn't be there if we hadn't had my name to put them in or me to make the payments on time every month. He wouldn't have a car to get around town, or to take his girlfriend to school, or to pick up his friends for a sleepover only to return them hours later after a childish fight. He wouldn't have had the freakin' awesome tacos we made tonight, because while his mother paid for the hamburger, I bought the shells, the cheese, the seasoning, the taco sauce, and some refried beans - which were yummy.
He hates me because I refuse to do the dishes on most nights, and so his mother is forced to do them, which isn't fair either because he, his girlfriend, his brother, and his brother's girlfriend, all of whom live here, won't do the dishes because that's not their job, and they've never had to do chores and they're not about to start, and I'm a bitch because when I won't help, his mother gets angry and yells at him and his girlfriend and that's my fault because if I would just do the dishes all the anger would go away.
He hates me because after an eight hour day I just want to relax, read a book, watch a TV show, listen to music. But he wants to pretend to be a drummer in the shower, and I'm a bitch because he can beat on the wall of the shower (the wall of my bedroom) all he wants. Besides, that's just how he gets his pubic hair off the razor.
He hates me because I'm one of two people who have ever taken him down when he has physically threatened someone. I'm sorry that it resorted to violence, but he's not going to tell me how he's going to kick my head in and just walk away. I won't be afraid of him. I stand up to him, and while I know it just makes his antics escalate I can't imagine living with myself if I did nothing, ever, when he intimidates, threatens, or insults me.
He hates me because when he asks me for help with his homework, I teach him how to do it and expect him to learn. When I walk past the basement as his mother helps him, I can hear her read him a passage, read it again, reword it to give him the answer to the question, ask him if he's listening, tell him to put down the game controller, tell him to listen, repeat the reworded passage, give the answer, tell him good job, force him to write the answer down so it's in his handwriting. Then I try to pretend to be excited when his report card has A's on it.
He hates me because I've told him "no" since he was a baby, and I'm the only one. I told him, "No, you can't go outside and play until three o'clock," and though he screamed for four hours I didn't cave. I told him, "No, you can't leave the living room until you clean up the mess you made," then blocked the entrances until he cleaned up the mess. I told him, "No, you can't steal from my underwear drawer and give it to your girlfriend," then put a padlock on my bedroom door that I lock every single day whenever I leave the house and occasionally when I take a shower.
He hates me because last year I began planning to leave. He hates me because when I said I was going to get my own apartment, I actually went to viewings, filled out applications, tried to get co-signers. Tried to get out. He hates me because I had an interview last year that could have taken me to a beautiful city with a wonderful salary. He hates that he sees the opportunities I have. He hates that his mother wasted the money that could have gotten them out of the basement. He hates that I pay all of my bills on time. He hates that his father never pays child support.
A lot of the hatred stopped until that time last year, now that I think about it. When I began talking about my own apartment, a better job, a new city, he began writing messages to me on the mirror. About how much of a bitch I am.
I think he hates me because, unlike his mother, I haven't had to give up yet.
I wonder if he sees me as someone successful, even if I myself don't feel the same, because the adults in his life are uneducated, lazy, and wasteful. Some of the adults in his life never received a high school diploma or GED. Most of them live in filth, often with tiers of empty pop cans, stained floors, and uninvited guests. None of them have anything of value because all of their money is spent in cigarettes, beer, and drugs. They jump around from job to job. His father is never home. His mother is never happy.
And here's me. I went off to school, which he (like his mother) mistakenly believes my parents paid for. I earned a higher education than he even knows exists. I'm messy, but I rearrange and clean my room regularly, mainly because it's tiny and I desperately seek the perfect combination for some kind of feng shui. I have a fantastic computer (hexacore), beautiful clothing, a car I paid for despite the fact it's in my father's name, and a small refrigerator bursting with healthy food. I've been at my albeit crappy job for more than six years. My father is retired and likes it that way. My mother can be made happy with a strawberry sundae.
I think it's because I was a kid when he was born, and he finds it hard to think of me as an adult. I think his mother whispers in his ear that I am not a grown-up because I live with my parents and so I supposedly don't have any bills. I think whispering must be the only way to communicate, because no one hears it when I shout that she isn't a grown-up either if that's the definition as she lives here, too, with her parents. He doesn't understand that the phone he uses, the cable he watches, the net he surfs wouldn't be there if we hadn't had my name to put them in or me to make the payments on time every month. He wouldn't have a car to get around town, or to take his girlfriend to school, or to pick up his friends for a sleepover only to return them hours later after a childish fight. He wouldn't have had the freakin' awesome tacos we made tonight, because while his mother paid for the hamburger, I bought the shells, the cheese, the seasoning, the taco sauce, and some refried beans - which were yummy.
He hates me because I refuse to do the dishes on most nights, and so his mother is forced to do them, which isn't fair either because he, his girlfriend, his brother, and his brother's girlfriend, all of whom live here, won't do the dishes because that's not their job, and they've never had to do chores and they're not about to start, and I'm a bitch because when I won't help, his mother gets angry and yells at him and his girlfriend and that's my fault because if I would just do the dishes all the anger would go away.
He hates me because after an eight hour day I just want to relax, read a book, watch a TV show, listen to music. But he wants to pretend to be a drummer in the shower, and I'm a bitch because he can beat on the wall of the shower (the wall of my bedroom) all he wants. Besides, that's just how he gets his pubic hair off the razor.
He hates me because I'm one of two people who have ever taken him down when he has physically threatened someone. I'm sorry that it resorted to violence, but he's not going to tell me how he's going to kick my head in and just walk away. I won't be afraid of him. I stand up to him, and while I know it just makes his antics escalate I can't imagine living with myself if I did nothing, ever, when he intimidates, threatens, or insults me.
He hates me because when he asks me for help with his homework, I teach him how to do it and expect him to learn. When I walk past the basement as his mother helps him, I can hear her read him a passage, read it again, reword it to give him the answer to the question, ask him if he's listening, tell him to put down the game controller, tell him to listen, repeat the reworded passage, give the answer, tell him good job, force him to write the answer down so it's in his handwriting. Then I try to pretend to be excited when his report card has A's on it.
He hates me because I've told him "no" since he was a baby, and I'm the only one. I told him, "No, you can't go outside and play until three o'clock," and though he screamed for four hours I didn't cave. I told him, "No, you can't leave the living room until you clean up the mess you made," then blocked the entrances until he cleaned up the mess. I told him, "No, you can't steal from my underwear drawer and give it to your girlfriend," then put a padlock on my bedroom door that I lock every single day whenever I leave the house and occasionally when I take a shower.
He hates me because last year I began planning to leave. He hates me because when I said I was going to get my own apartment, I actually went to viewings, filled out applications, tried to get co-signers. Tried to get out. He hates me because I had an interview last year that could have taken me to a beautiful city with a wonderful salary. He hates that he sees the opportunities I have. He hates that his mother wasted the money that could have gotten them out of the basement. He hates that I pay all of my bills on time. He hates that his father never pays child support.
A lot of the hatred stopped until that time last year, now that I think about it. When I began talking about my own apartment, a better job, a new city, he began writing messages to me on the mirror. About how much of a bitch I am.
I think he hates me because, unlike his mother, I haven't had to give up yet.
New Info
Well, at least I'm learning now about credit.
I just did some research and my credit score from the three major agencies isn't even important, really. They aren't my FICO score, so they don't matter. And so most likely, my FICO score really is that low, one hundred points lower and so I'm going to die here.
I guess I really will have to find a crappy apartment in an unsafe place (the only one I can afford I've seen anywhere, including craigslist, is on the street most people in this town would say you never, ever, ever want to live on). I guess I'll have to take my chances of being mugged and/or worse every night, just to get some kind of rental/credit history.
But that won't even help my credit. So my best bet is to continue paying the bills I have, continue shaving off the debt I've accrued, and try again soon. I just wonder why the dealership man said my credit was fine when, actually, after researching the score my bank sent me, it's actually really, really bad.
And now my tacos are ruined. I am so pissed.
I just did some research and my credit score from the three major agencies isn't even important, really. They aren't my FICO score, so they don't matter. And so most likely, my FICO score really is that low, one hundred points lower and so I'm going to die here.
I guess I really will have to find a crappy apartment in an unsafe place (the only one I can afford I've seen anywhere, including craigslist, is on the street most people in this town would say you never, ever, ever want to live on). I guess I'll have to take my chances of being mugged and/or worse every night, just to get some kind of rental/credit history.
But that won't even help my credit. So my best bet is to continue paying the bills I have, continue shaving off the debt I've accrued, and try again soon. I just wonder why the dealership man said my credit was fine when, actually, after researching the score my bank sent me, it's actually really, really bad.
And now my tacos are ruined. I am so pissed.
Credit Scores
Yesterday, I paid to get my credit score from TransUnion. The other two are Equifax and Experian. Not too long ago, Equifax sent me a credit report and score and so I know what they say my score is. When I tell my friends, family, and coworkers those scores, they say they're not too bad (either not much lower or even higher than most of their scores).
Last week, I applied for a loan through my bank. They denied me, saying the three factors are credit score, work history, and credit history. I assumed they denied me because of my credit history, because while I've worked hard to make it better than it once was it's still not stellar. A few credit cards I paid off are still on there (and will be for a few more years) and my school loans still reflect that until about two-and-a-half years ago I was deferring them. Okay, I can live with that. I will continue to work on my credit until I reflect two years of payments and trust - a requirement the loan officer said I would need.
But then. Today I received a letter from my bank saying they wanted me to know my credit score. And it was a hundred points lower than the one I paid for yesterday. That's not ten points. That's not twenty points. A hundred points. It says on the back of the letter that if I want to dispute any claims on this report, I need to call the agency that reported it. According to the letter, it was TransUnion, the agency I bought my score from yesterday. I am pissed.
I will call them. I'm off on Friday so I can wake up, have my coffee and eggs, get my blood going, get a shower, sit down, and call them. I will ask them why my bank received a credit score one hundred points lower than the one I paid for. If they tell me the one the bank received is the accurate one, I will ask them for my money back. And then I will cry, because the one I received, the one I paid for, reflects everything I've been trying to accomplish in the past few years. The other one, the one one hundred points lower, is actually worse than the score I got a few years ago, before I even started paying off all these debts.
It's obvious that the car company and the rental office must have received the lower score. It's the only reasoning behind my inability to get anything, anywhere. If that lower score is my real score, I might as well consign myself to being stuck here, again, for eternity.
Last week, I applied for a loan through my bank. They denied me, saying the three factors are credit score, work history, and credit history. I assumed they denied me because of my credit history, because while I've worked hard to make it better than it once was it's still not stellar. A few credit cards I paid off are still on there (and will be for a few more years) and my school loans still reflect that until about two-and-a-half years ago I was deferring them. Okay, I can live with that. I will continue to work on my credit until I reflect two years of payments and trust - a requirement the loan officer said I would need.
But then. Today I received a letter from my bank saying they wanted me to know my credit score. And it was a hundred points lower than the one I paid for yesterday. That's not ten points. That's not twenty points. A hundred points. It says on the back of the letter that if I want to dispute any claims on this report, I need to call the agency that reported it. According to the letter, it was TransUnion, the agency I bought my score from yesterday. I am pissed.
I will call them. I'm off on Friday so I can wake up, have my coffee and eggs, get my blood going, get a shower, sit down, and call them. I will ask them why my bank received a credit score one hundred points lower than the one I paid for. If they tell me the one the bank received is the accurate one, I will ask them for my money back. And then I will cry, because the one I received, the one I paid for, reflects everything I've been trying to accomplish in the past few years. The other one, the one one hundred points lower, is actually worse than the score I got a few years ago, before I even started paying off all these debts.
It's obvious that the car company and the rental office must have received the lower score. It's the only reasoning behind my inability to get anything, anywhere. If that lower score is my real score, I might as well consign myself to being stuck here, again, for eternity.
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