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#1
Apr 09, 2017, 07:00 AM
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Back in 2012, I was in so much debt, that I declared bankruptcy, and was discharged in early 2013.
When I did the mandatory credit counselling, I was told to wait a few years, and then if I was working to apply for a secured credit card with a low limit, use it every month and pay it off in full, as a means of rebuilding my credit rating. So I applied last month to a financial institution that issues secured cards to high risk clients. I got a 500 limit. I'm going to use it strictly for my monthly grocery order, since I set the money aside to pay for that every month, so I'll be able to pay it off. I just have to be careful that I don't go on an impulse shopping spree with it and stick to my intentions to use it strictly for groceries. But it does feel good to have a card again - like it's one more step in getting my life back to "normal". splitimage
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 "I danced in the morning when the world was begun. I danced in the moon and the stars and the sun". From my favourite hymn. "If you see the wonder in a fairy tale, you can take the future even if you fail." Abba 
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 Anonymous37936, Nammu
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#2
Apr 09, 2017, 07:27 AM
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Quote:
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| manic-depressive with psychotic tendencies (1977) | chronic alcoholism (1981) | Asperger burnout (2010) | mood disorder - nos / personality disorder - nos / generalized anxiety disorder (2011) | chronic back pain / peripheral neuropathy / partial visual impairment | Gastrointestinal Stromal Tumors (incurable cancer) | |
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#3
Apr 09, 2017, 06:40 PM
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Hello there....I'm glad your feeling back on track....as long as you stick to your plan of groceries only things will go good.
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#SpoonieStrong Spoons are a visual representation used as a unit of measure to quantify how much energy individuals with disabilities and chronic illnesses have throughout a given day. 1). Depression 2). PTSD 3). Anxiety 4). Hashimoto 5). Fibromyalgia 6). Asthma 7). Atopic dermatitis 8). Chronic Idiopathic Urticaria 9). Hereditary Angioedema (HAE-normal C-1) 10). Gluten sensitivity 11). EpiPen carrier 12). Food allergies, medication allergies and food intolerances. . 13). Alopecia Areata |
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#4
Apr 09, 2017, 06:58 PM
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I know what you mean.
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Nammu …Beyond a wholesome discipline, be gentle with yourself. You are a child of the universe no less than the trees and the stars; you have a right to be here. …... Desiderata Max Ehrmann |
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#5
Apr 11, 2017, 05:40 AM
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Congratulations! That's a big milestone. I defaulted in 2012, went on disability and haven't had a credit card since. I might apply for one like that, myself. All the offers I get in the mail are for high interest and have yearly or monthly fees. So I throw them away.
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#6
Apr 11, 2017, 09:39 PM
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Congratulations! Prove to everyone (especially you) that you can do it.
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