This weekend was just a weekend for shenanigans, drama, foolishness and all types of just ridiculousness it seems. Not just my visit to the Golden Corral ‘of cooniness, but also just observations on some …some ol’ boooooolshyt.
So that is what this is.. time for yall to get some things off your chest that you can’t necessarily yell out on your own sites, facebook pages etc..
what are some things out there that make you say: #thatsthatbullshyt!!!
You ask me for advice on how to get your credit score up like I did ( since i was the king of bad credit) then when I tell you everything you need to do… you say: man that sounds like too much work.
#thatsthatbullshyt
How do people NOT know how to get their credit score up? Hell, mine is so good now that I closed a credit card (you'll get dinged a few points) and was like whatchugondo????
its not about not knowing how to pay their bills
I think its about the sacrifice folks have to make in order to pay said bills and the constant monitoring of things
some folks really don't want to do that
they want instant gratification…and getting your credit score back in order takes time and a great deal of patience
getting your credit score back in order is really no different than getting on a healthy diet…you have to truly want it
I'm just saying, the first step is to know what you have to pay. Know what's on your credit report. If you are dodging bill collectors, that's going to affect your score. Don't dodge them. Call them up and they are likely to settle your debt for less than what is actually owed. If you haven't checked your credit score since Chess Kings was hot, that's an issue. If you are a member of a credit union, see if they offer "credit repair loans". It's typically a low amount loan ($2000 or less) with a low interest rate. The idea is to show consistent payments over the course of the loan. You pay the loan back on time…BOOM! Positive points on your report.
Be careful about closing your credit cards. This will negatively affect your credit score. (ask how *I* know!)
I have relatively good credit, but my score has been hit due to being laid off, then accepting a lower pay job, I had a loan that I was still paying on and- recently- I had my limits lowered on some accounts (or closed) because I wasn't using them. That latter one… you talk about being PISSED?! I actually called and asked why I was penalized for being responsible. It's not my fault that the credit card company decided to be assh*les.
'' mine is so good now that I closed a credit card''………….Would you marry me?My Husband won't mind and plus,I can cook my ass off and I know plenty of ''tricks''…………….
Face the truth that you spend little amounts of money on a lot of different things… things that quickly add the hell up. If you look at how much money you bring home and how much you spend on little ridiculous things that quickly add up.
I decided to cut out all of my extras for awhile or greatly reduce them… like this:
I loved getting breakfast every morning from the dinner at my office. $7, every morning. That is $35 a week…. at 4 weeks… that is… $140/month..and roughly $1600 a year….
I also liked getting lunch at my favourite deli about 3 times a week…$5. …. $15 a week… $60 a month…
add both of those things up and that was already$200 a month that I could be putting towards my bills.
I liked buying a new cd once a week… lets call that $12.00… $48 a month roughly…
Would sometimes treat myself to an iced tea on the way home 3 days a week .. $2 each time.. $6 a week.
If I had to buy a new video game… i only bought them used…several months after their release…
at the end of the day I found a way to free up close to $400 a month. Which was money I put towards paying down my debts.
and after 6 months of doing this I was able to renegotiate the interest rates on several of my non credit card debts.
I'm in the process of cleaning up my old debts. I am on a tight budget these days (no shoes!!!!) because I plan on being out of debt by the end of the year (I'll be halfway through by June). After that, I will tackle some of the Warden's. I plan on us going some places (in Europe) next year, dammit!
I did the Suze Orman (sp?) plan where I tackled higher interest debt, paid it off, then apply that payment to the next debt. (If I was paying off 4 cards with $100 ($400/month), then get down to 3, you apply that extra $100 to the next highest interest card (1 $200 payment and the rest stay at $100)
So far, it's working for me. I double the minimum with interest. This way, I'm actually making a dent in the balance, not just paying the interest.
exactly, thanks for bringing that up… high interest debt has to be gotten rid of first…
and then stop getting big ticket items with the highest damn interest possible.
yea you was treating yourself too damn much…
and that is what folks get all twisted about…those little things add up and quickly!!!
it is hard though
I remember when I gave up my hair appointments…yea I gave up my hair appointments…
man that ish was hard for me…but I never really did anything else to "treat" myself like most of y'all do
but that 100+ a month I was spending on all this hair was killin' me…
was then able to open two small credit cards and….. I kept small balances on those cards and paid them down quickly…
but why did you need 2 cards?
I'm trying to understand the logic of folks having 8 million credit cards
I have my 1 Visa platinum card and I'm good with that…
more cards the more tempted you are to do stupid ish…
and store credit cards…stupidest thing in the world to have…in my opinion
Store cards are the easiest cards to get and usually offer the best finance deals than other cards. Some store cards are actually very good things to have.
specifically, Amazon and Best buy.
Because of the Amazon card, with the reward points we get from using it, by years end we always have a few hundred dollars worth that we can use for out holiday shopping. and I will generally use reward points here and there throughout the year… which is one of the ways I never pay full price for our video games.
At this point I keep a 0% card on my ready to use as needed – Amazon.com (best card) – Best Buy and home depot. 0% interest for 12-24 months at home depot? shiiiiit… allows me to do projects on the house without ignant finance charges
I love my Amazon card! I use it for everything that I need a credit card for, and I pay it off in full every month.
I also (used to) have one card I used solely for online purchases, so I could easily track when/if something went awry.
me, too!
:::Taps foot waiting on tips to getting The Diva Some white-folks type credit:::
This raggegy heffa at my job thinks because she's a zero ahead of me in salary that she can push me around and smile… & think I'm going to smile back??? Now I know why my supervisor hates you.
You can now kiss both our asses.
My whole weekend was bullshyt.
this school shooting near Cleveland is some bullshyt!
They have a suspect in custody!
when some grown ass spends 20 minutes in the bathroom, comes out and leaves behind 2 squares on the tisue roll…that is some bullshyt…
Ditto! I know about paying bills (and do it, on time) but that score aint moving!
It was plain and simple really….. I had to actually PAY my damn bills. Here is what I did, and at one time, my credit was so bad that a bill collector called me and threatened to send me to collections and I was like: pull up my credit… cant get any worse, and he did…then said: oh… ok then.
first thing I did was pay for a credit report from all three reporting bureaus where I then looked at all debts over 7 years and had those reporting agencies and collections agencies remove my debt off of their books. Took a lot of letter writing… more letter writing.. some back and forth… more letter writing…. but after about a year of doing this, I had all of my old old debts removed.
I also then took a look at those debts i couldn'thave removed and reached out to each of them in order to set up payment plans where I also sent them each a small amount as a good faith payment to start. On top of this I asked for an agreement where if I was not late for 6 months, could we then negotiate a lower interest rate if it was not possible to do so right at that moment.
I then started to steadily pay all of my bills regularly for about a year before I then began getting credit card offers again.
but to back the truck up.. I had to figure out how I was going to get the money to pay the bills… this is how I did it…
These gas prices are some straight up bullshyt
*church lady hum*
You would be amazed how much money we all waste on lil bulllllllshyt that we like to call: treats.
My mother maxed out three credit cards in my name that I allowed her to use. When I had my daughter and got back a substantial amount for my tax refund, I paid them off. You know she got mad that I didn't give her any of that tax refund money.
Can I mush a co-worker in the face if they insist on eating and smacking food while talking to me?
I have more than a few times turned my back to him while he's talking and eating, got up and left the area when he's talking while eating, and even told him talking to people while eating shows poor manners.
If one of the masticated M&Ms and Snickers that I provide to the office lands on any part of my body, the heels and earrings will be coming off and he will get an upper-cut to the jaw.
You saying that You don't normally do this right before you do that hoeshyt.. is awesome…but still.. #thatsthatbullshyt
YOU got his phone in your name but you can't have the password to his phone?? #thatsthatbullshyt, ladies….
Wash day (detangling, shampoo, conditioning, styling, drying, etc.)…. #thatsthatbullshyt
#thatsthatbullshyt if my husband doesn't think I'm going to NYC in April…
SQUEEEEE! Make time for me!
HELL YEAH!!!!
It's a day shopping trip (and possible night out), but you know that I shall be dilaing up you and the fair Ms. T! <3
Oh, so just fugg Twink, huh. I see how it is.
My bad… I assumed you were gonna ride along. I will make sure I tell y'all the deets. So far, it's looking like we will be there on April 28th. I know we are shopping that AM and doing dinner or something that night before heading back on Sunday.
*drops it a lil low at the thought of visiting with the pale booty twins… and Twink's boobs!*
So all of us would complain that we were single and that we couldn't meet anyone or the people that we knew weren't datable. So, we made a pact, stop complaining and do something about it. We updated our OKCupid accounts, posted some new pics and adjusted our "six things we couldn't do with out". Fast forward a few weeks. I'm seeing someone and you are not. Though you have options. You've met the girl, said that you liked her, but for some insane reason, your green eyed monster is rearing it's ugly head.
What, is it some femme competition that you think is going on? You and I are platonic. Hell, I asked you out when we first began hanging and in your oh so passive aggressive fashion which I've come to recognize, you turned me down. And guess, what, I'm okay with that!
I'm starting something new and have no idea where it's going. I'm having fun. Why are you "concerned about my distraction" or not inviting me out "because you thought I would be busy with B…"
When I see you on Wednesday for practice, I'm putting you on notice. Say something one more time. Your insecurities are bubbling up and brimming over. It's not a good look and I'm not playing any reindeer games with you. You will cut this ish out, or you won't have me in your life.
#thatsthatbullshyt
You sound like you have a frenemy.
….I weirdly enough kinda saw this coming.
fuggin' around with a cruise is that bullshyt
folks gettin' robbed at gun and knife point on a cruise
one is chillin' in the ocean now after a fire
and well one is STILL tilted in the water
yea fugg a cruise and all that it stands for!
Aw damn!!! Cain't coons let me be great at SOMETHING?!
sis the hair struggle is real!!!!
but since i gave up my hair appointments I suffer through it
Yes, ma'am! Relaxed, natural… unless your head is shaved, the struggle is REAL! LOL
I didn't have an appointment and my dumb butt decided to attempt flat twisting my hair (Ion't eem know how to cornrow, so you already know…). It came out decent, but lawd….
YAAAAAAAAAAAAAAS…I agree with the hair struggle!
I was gonna reply to a post above but I didn't want this to get lost in the nested reponses. If you want to monitor your credit score closely I highly recommend zendough.com. It cost $10 a month but it will update you credit score on a regular basis, allow you to see ALL your credit reports ANY time you want them, give you contact info for everything that shows up on your credit reports, and it does a bunch of other stuff. I got my credit score up about 75 points over the course of a year once I got serious about improving my credit and started using it.
I got Twink and T to start using it, and so far I know it's been super helpful for T just to get herself organized in terms of her debts. I really can't say enough good things about this site. It's the only credit website I've used that hasn't seemed like a total rip off AND the website has an excellent layout.
Anyway, if you try it, and you like it, you're welcome!
And no, I don't get any incentives for referring people. I'm sharing because it's really that good.
Thanks for the tippage. Ive been super lazy about removing old paid debt so hopefully this site can help.
good looking out babe! that will be helpful
I don't know what the hell you are all talking about but here is some ol bullshyte I want to get off my chest.
If you are one of the many lazy ass mother fuggas that will not walk an extra 10 yards to put a buggy up at the grocery store, I fuggin hate you. I don't mean that in a haha funny kind of way. I mean I actually hate the fugg out of you and hope you slip on some ice and crack your stupid skull.
Seriously you asshoIe, don't leave the buggy beside my damn car.
Last night as we pulled into a parking spot there were about 5 buggies just randomly sitting between my spot and another spot. The buggy return was DIRECTLY ACROSS THE ISLE! So being the obsessive compulsive fugged up human that I am, I start collecting buggies. Let me tell you, this batch looked dead azz at me while I was collecting buggies, waited for me to start pushing the collected buggies across the isle, and cold left her buggy right there. You sorry, lazy, no good, mother fvcking cvnt bag! UGHHGHGHHG Fvck you!!!! Anyway, that's my rant for the day… Seriously, walk your lazy azz a few yards and just put the buggy up. Damn!
I agree… except for the crackin' the skull part. Just slap 'em, they'll get the message.
man… I hate people who can't put the damn cart back in the corral or back at the building.. man that seriously pisses me off. If MY fat ass doesn't mind returning the cart to where it belongs, YOUR ass can do it also.
Thats all beat up. My ignorant azz would have said some loud shyte like "I cant believe how damn LAZY some people are"
As the lady was walking toward me with the cart I looked at her and said (about the existing carts) "How hard is it to walk RIGHT OVER THERE". Then I started pushing the carts and when I got back that lazy heffa had left her cart. Congratulations BlTCH, you are what's wrong with society!
*giggle* You say buggy *giggle*
There is no need for me to go into…I'm just glad I'm not in jail.
Certain folks don't understand I'd rather be humble more than talk way too much shyt in life. They forget how the law of karma works and why I try not to play with it. Understand that and you'll get why I'm on my grind.
Geisha's rant:
Some of y'all know my mom passed in December… most of you don't know that my grandmother passed earlier this month. My mom worked for the same company as me and EVERYONE knows her (me). I'm tired of "friends" and co-workers asking me how I'm doing and when I say "I'm okay" they just keep picking until they can squeeze a tear out or are super disappointed that they couldn't make me cry
AND
I'm tired of the people that keep crying ON/TO me about it…
Really Beeeeotch… it was MY mom (and grandma). GTFOH!!!
COPE IN YOUR OWN DAMN SPACE!!!
AGREES!!!!!!!
Or when after you tell them you are "ok", they say something like "oh you are soooo strong, you are handling it so well, I think I would just die if my brother died. I would just totally lose my mind…..I admire you for your strength, I wouldn't be able to be so strong"
Comments like that make me wish they would go join my brother!
PREACH, ladies.
That is the kind of ish that has driven me NUTS when I lost my mom and my dad. Like.. really??? Ugh.
I know EXACTLY where you ladies are coming from.
Wow!
First off, I am very sorry for your loss (even though we don't know each other).
Secondly, who even does that? That is the craziest, most disrespectful, sadistic ish I've ever heard of!
Wow.
Man…..dont be hanging up the phone just cuz your petty ass cant stand to ever be wrong about anything.
And about the Oscars at that! Like the Oscars pay your bills. Just cuz you thought the Descendants would beat out The Artist even tho I told yo azz all signs pointed otherwise, and then yo punk azz is gonna hang up the phone when I point that out.
Some ole petty boolshyt.
You are legally obligated to pay me for any loss on our old house while its being sold. You are two months behind in paying me and now want to switch it up and say you want to relinquish all rights to any profits when the house sells. You get pissed when I tell you I don't trust you and that you will need to get the court order changed. Plus you still owe me for the two months you missed.
That's some ol triflin why I divorced your ass in the first place boolshyt.
Oh…so you don't want to see your son, don't want me with another man, and yet you don't try to see your son and I have to call your CO to get your child support paid. I'm trapped here in Bumf**k NY, solely for your own amusement. I'm sorry you married a sorry bytch…really I am…not for you, but for our son who's had to see and hear you beating on her. Oh, and your punk as$ deployed to make SURE I couldn't leave…I guess trying to wait out me and my man to see if you have a chance when you come back. You don't. You never will. Let me go…oh and the courts helping you do all of this fuggary? #thatsthatbullshyt
*drops mic*…been wanting that off of my chest for a while.