Too Much Credit

August 21, 2021 — Kaye

Me in 2018: How do people get in over their heads with credit card debt?

Once again, I need to stop talking! Then again, this blog is quiet as of late, so I suppose I have.

Constant advice I received about credit cards is “use it like a debit card”. Four years later, I’m paying off $10,000 worth of credit card debt. Why I took advice from the internet is beyond me.

When I wrote that article in 2018, my total limit between cards amounted to $2,700. One card had its limit decreased, but my total credit limit is now $9,810. My score currently sits at 620. One of my relatives with dozens of late payments has a higher score than me!

This year, I paid off two of my four student loans, and two of my credit accounts, although I’m paying one off again because I used it when my car broke down. Thankfully, I learned to budget like a maniac, and so long as nothing urgent happens again, I can get that balance paid off in two weeks.

My real debit card gets much more use these days, so much so that the chip is wearing down and it’ll likely need to be replaced before its expiration date in four years. I plan to keep my credit cards for emergencies only. A response I’ve gotten is I’m missing out on “tons of rewards”. Ignoring only two of my cards offer anything, and cashback turned out to be dreadfully disappointing, pursuing “rewards” is how I got myself into so much debt. Now, my reward is getting rid of it.

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27 On The 27th

April 27, 2021 — Kaye

Today, I turn 27 on April 27th. It’s not really a happy birthday because lockdown and all, but I have the day off work and that’s always nice. I’ve read when your age matches the date, it’s called a “golden birthday” or “royal birthday”. Cute, but nothing special to do today.

Still, I love my birthday. As unoriginal as it may be, it is mine. Millions of other people’s too, but I’m one of them.

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“What Do You Want To Be When You Grow Up?”

February 8, 2021 — Kaye

At seven years old: A veterinarian! (Yes, I could really pronounce that as a small kid.)

At sixteen years old: An artist.

At nineteen years old: An animator.

At twenty years old: A paid blogger?

At twenty-one years old: A livestream gamer?

At twenty-six years old: I have no idea.

My 27th birthday arrives this year. Is it too late?

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2020 Resolutions

January 4, 2020 — Kaye

I stopped making resolutions long ago. Mostly because I don’t keep them, or I do keep them and regret it. My only resolution this year is to have a good year, and that’s probably too much to ask.

That said, some good things have already happened within the first four days of the new year. My job transfer request was approved, so I will have a full-time job again. My boyfriend and I were able to leave all the fighting in 2019, and I mean that almost literally since we made up on New Year’s Eve. I now have a counter for the number of days we go without fighting. Finally, I paid off one of my credit cards in full. I got hit with interest charges on the day of the last payment, but I had enough to cover that, so the balance will be zero. I plan to work on my debt this year, going from smallest balance to highest. Apparently, there’s a name for that. It’s called the snowball technique. I don’t care what it’s called. It’s simply how I want to do it.

It is hard to believe a whole decade is over. The start of the decade and the end of it were the worst years of my life. The new 20s are off to a good start for me, so perhaps they’ll have a good end. Of course, I can’t imagine that far ahead.

I considered doing a “one post a day” challenge, similar to “post a week” I did years ago, but quality matters more than quantity. Of course, the jury is out on whether this blog has any quality since it’s ultimately a journal of my life.

2019 really was a wild year, and I hope 2020 proves to be much calmer. I’m not a “wild child”. I want to relax. No school and no customers to deal with should make that less difficult.

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The End Of A Decade

November 21, 2019 — Kaye

The 2010s are almost over. I must admit it’s been an eventful decade for me, especially since its start was terrible! The same could be said for the first decade era I lived through (2000 – 2010), but I don’t remember much before 2006.

Occasionally, I wish I remained in my hometown and grew up with my childhood best friends, especially since there was ultimately no good reason for moving as much as I did, let alone to new cities (my mom didn’t get along with people). Reconnecting with my childhood best friend via Facebook only serves to strengthen that wish. It’s to the point I’ve made sims and stories based on what my life could be like if I never moved. It’d likely be the same, but it’d be in the place I called home and the events of 2010 (which I call the worst year of my life) would’ve never occurred.

Of course, I wouldn’t have my current best friend, nor any of the friends I have now, and I possibly would have a more distant relationship with my boyfriend since it’s harder to get to where he lives from my hometown than from where I live now. There’s a reason I’d be content burning every year of my life that preceded 2011, and that particular year is only because it’s the one where I met my best friend. Otherwise, I’d burn every year before 2015, when I met my boyfriend. If I didn’t have him, I’d burn every piece until July 2019 when I got my current job.

Cheesy as it is, the power of love and the power of friendship are real. It may be a bit unhealthy, but I’m not kidding when I say my friends and my boyfriend are the only reason I care about my life. Yes, my family is excluded from that because, as much as I love them, I strive not to be like any of them. They’re terrible role models.

The one thing I can say is almost every year of this decade had a major event. Sadly, the one in 2010 is the biggest one, and it’s another reason I’d burn that year to utter ashes if I could. I’m going to skip that one and start with 2011 because I simply do not want to talk any more about 2010 right now.

  • 2011: I met my best friend of now eight years (and counting)
  • 2012: Nothing! I would say I turned 18, but that age really changes nothing.
  • 2013: No more high school! I’m free! Hallelujah!
  • 2014: I learned community college sucks and dropped out.
  • 2015: I met mi amor, and as of January 2020, we will have known each other for five years (and been a couple for 4 1/2)!
  • 2016: My first job, which I was foolishly excited about. If only I could’ve foreseen how much I’d grow to hate it.
  • 2017: I’d say being promoted to full-time, but that was an utter disaster and is the reason to refuse to ever try for a higher position again. So nothing for this year too.
  • 2018: Back to school, and it was a waste of time and money.
  • 2019: The year of the jobs! Counting a second job I’m about to start (that pays more than my current, but is seasonal), I will have had six jobs this year! Seven if I count the school’s internship and eight if I count my recent venture into DoorDash. I’m happy with my current job, though. Just wish they would stop sending people home early every day! Tax time is going to be fun. Six jobs will owe me a tax form (not seven; DoorDash sends a form only if a dasher makes $600, and I doubt I’ll hit $100).

I am looking forward to 2020 – mostly to celebrate five years with my boyfriend and hopefully going on the special trip I’m trying to save up for to be our five-year anniversary special – but I’m also scared of what the next decade will hold. I hate I’ve lived where I currently am for almost ten years. I certainly don’t want to live here for another ten.

One of my high school classmates has a master’s in psychology and recently got an internship she was aiming for. She graduated a year before I did, and she has definitely accomplished a lot in those seven years. My best friend, six years after graduation, is going to comic and anime conventions, and having the time of her life, often in NYC. I’m so happy for both of them, but I admit I wish my life was thrilling like theirs are. Unfortunately, I couldn’t care less for school or conventions, so those things wouldn’t make me happy. Aside from where I live, I genuinely am happy with my life, but I really don’t know if I have any exciting interests. Strangely, I did achieve something none of my friends have yet: my driver’s license and a car. But that probably still pales in comparison to being on the way to becoming a therapist or being a regular at conventions. Maybe I’ll find something someday. Maybe not. I guess that’s the pitfall of liking a quiet life where your favorite spot is beneath your bed covers. Too bad quiet can’t be exciting.

If nothing else, I want the 2020s to be the decade I finally accomplish my ultimate goal: moving into my own apartment!

And a passport. I want to get that just to have it.

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