Another holiday without my looney tunes ex husband. The kids aren’t phased in the slightest, which I guess I should be grateful for. Per usual my mother has jumped into action and took the day off work to come help with the kids trick or treating tonight. I’m on day 3 of being sick and feel like deep fried dog shit. I must have had some insane fever break because I woke up this morning and my clothing was 3 shades darker and totally soaked🤢 My voice does sound better but the amount of questionable green shit I am hacking up is disgusting. Joyous.

Yesterday I went ahead and tackled something that’s been a looming issue of mine I haven’t exactly been super open about. Before my ex ran away I used my entire IRA account to pay off his debt with the intention of refinancing my car loan. Well needless to say when dude lost his job me paying off all that debt of his did me NO FAVORS. When he left I was forced to put most of my groceries and bills on credit cards while waiting four months to be approved for any form of state assistance. Well between that and the kids birthdays this summer (I was riddled with mom guilt and went overboard, I will own that one) and life the cards all got maxed out. Normally I’d just ignore this one until I got threatened to be sued, but I decided to give one of those credit repair programs a shot.

Right now the way my interest was running it would take me 20 years to make the minimum payments and I would be paying $25,000 in total for what’s currently only $11,189 worth of debt. The program I found got my credit cards to all shut off their interest and lower the amounts owed to them. Apple settled with me for half of what I currently owed them, which was shocking.

Essentially I just locked myself into a 4.25 year loan program with these people BUT as of this summer my credit card debt will be totally gone and I can rebuild my credit score while still paying the same set rate I got locked in at ($93 bi weekly) to take care of the remaining amount. All said and done with the repair companies fees I’m paying $9,457 which is less than my original total owed to the cards so I really can’t complain. This loan will also be paid off before my car loan and student loans so I will be 100% debt free by 2032👏🏻

Seems really stupid to be excited about any of this but if I can just focus on paying this shit off and not accidentally killing myself then maybe, just maybe- things will be okay.

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