So as I mentioned yesterday, I’ve been trying to do some very grown-up things. Among those things are:
- getting through to the Amazingly Awesome Boyfriend that his debts can hold us back in getting the things we want in life.
- taking a serious look at my own debts (which I admit, I let get way out of hand)
- talking to someone about my debts who is in a position to help me (debt counsellor , bank loan officer), instead of just my mother and AAB
- look at what I can do in my current job to help advance myself AND add to my resume
- learn to use the new iPad AAB got me for Christmas for something other than Mario Run (which I refuse to pay for more than the basic starter levels right now) and Pokemon Go.
So, since the first of the month, I’ve been doing some Very Grown-Up Things. I laid out to AAB how his debt and credit score affects our future. If I’m working towards fixing my credit, and he’s not, then it makes no financial sense for us to ever become common-law or think of getting married. I know that sounds horrible, and it really does tear me up inside to say it. But I’m taking steps towards someday owning a house, or a condo, and want to at the very least get out of this house in the very near future. If I get my credit score up to a level that will get me a mortgage, or a good loan, then we can’t really do anything that would link us together financially. Doing that would mesh our credit together, and his score would affect mine. I think he’s finally starting to see that.
Also, just this week I had an appointment at my bank. Even though I am in a less-than-ideal position for a bank to lend me money, I have handled my debts well enough that there is a very good chance I may be able to get a consolidation loan to help take care of my credit card debts. I’ll have some tips on how to handle your credit like I did later. For now, I’m just focusing on getting my paperwork together to work on this loan, and get my other paperwork together to send off to the student loan people for my Repayment Assistance Plan (otherwise they just take $700 out of my account each month, which I really can never afford).
Well wouldn’t you know, right after my bank appointment I dropped into work to eat and study my new Wine Folly book before my shift, and my former manager was there to do our appraisals! It seems I’m a bit of an overachiever when it comes to the online training. He showed me how much training someone with my seniority would normally have if they only did what they had to. Then he showed me mine. It’s like twice as long! So what did I do when I got home? I signed up for more training. I’m going to do my shift leader training, some extra customer service training, a whole lot of extra product knowledge training, and some mentorship training. Then, the next time the District Manager is in our store, I want to ask him if there is any sort of mentorship programs in place with the company. Even if I have to be the mentee of the Weird BowTie Guy from our flagship store, or Cute Asshole who used to work at my store, it would totally be worth it for the opportunity.
In all of this busy-ness though, I haven’t picked up the iPad once! Hopefully once AAB’s birthday present is all set up (got a nice TV package for him), we will be chilling in the office a bit more, and I will have more of an excuse to pull it out and use it.
So there’s my current foray into the Grown-Up World I’ve failed at so far, Sunshine. I have a lot of big plans coming up, which will hopefully bring some big lessons and experiences you all can learn from (so you don’t have to screw up as bad as I did).