So pay your bills on time.
What a concept! You don't have it through "no fault of your own"? How do you figure it's "not your fault"? The excuses here are laughable: "I forgot."
You FORGOT (?!?!?!?!) therefore the company should give you a break? (Snort!) So tie a string around your finger. If you REALLY don't have the money
to pay your water bill, your priorities are screwed. Your spending money on something else that could perhaps be used to pay the water bill first, ya
think? Grow a brain and create a budget for yourself. Your credit card bill is unpaid? Good Lord. No one should even have to address that issue! I
have paid no fees, and no interest on credit cards for a couple of decades. You know why? Because I don't buy stuff I can't really afford. That means
I have to wait a year to get some goody sometimes. Oh, well! You should try it sometime. The peace of mind it affords is incredible. You don't get
torqued at banks any more because you screwed up.
The thing is, you signed some sort of agreement in advance that detailed those fees would be assessed if you missed payment. I know! It was in fine
print, so you didn't actually take the trouble to READ what it said, but it was there, in print, before you threw it away as unimportant and beneath
your attention. You were notified. And if the company changed its policy you were ALSO notified. It happens every time, guaranteed. It's just that you
were "too busy" to notice or care. It wasn't important enough to you, but once you started getting fees attached you took notice, right? That's what
the fee is for--to make you pay attention.
Your bank charges fees? Oh, noes! So get an account that doesn't charge fees. I went to the baddest of the bad, the Darth Vader of banks, Bank of
America, and said, "I want the kind of account that doesn't charge fees." and they said, "OK, here." Boy, that sure was hard! They even changed the
account type and terms in one of their "right-sizing" moves and still, guess what? No fees. And if you don't like the big banks, try a credit union.
This is not rocket science, but the number of people who don't know how to balance their checkbooks or don't bother is abysmal. But you can do stuff
to get your act together and minimize those "fees" you don't like.
1. Go to a credit union. Their fees are often less and they're easier to do business with.
2. Pay utilities first. Water too high? Stop watering the damn lawn.
3. Cut cable. It's crap anyway.
4. Cut the cell phone. Get "burner" phones and pay as you go. You don't "gotta have!" an iPhone.
5. Establish a MINIMUM automatic payment on credit cards. $15.00/month is typical and will cover it, but
6. Pay the damn things off and don't use them is a better approach.
7. Save money for emergencies, even if it's $5.00 a month.
8. Ditch the penthouse. (OK I'm kidding, but do ditch extravagances.)
Now don't go telling me that's easy for ME to say because y'all work at minimum wage, blah, blah. Cry me a river! I worked for minimum wage for YEARS
in retail and never went into debt. And I had student loans. My wretched 1972 Datsun kept breaking down and, oh yeah! Let's not forget I got
appendicitis and had to go to surgery all of a sudden with NO health insurance and NO forgiveness of the debt. So I went to the credit collection guys
and explained I couldn't pay the thousands they wanted, so we worked a deal and it took awhile, but I paid off every damn cent with no government
help, no Medicaid, no nothing. So don't tell me you can't do it, especially nowadays when shedding a single tear will get them to write it off.
You just have to take responsibility and understand that YOU are the one who put yourself in that situation and YOU are responsible for your debt, not
your Mommy, not Obama, and not me having to pay on your behalf because you are a deadbeat. So get off your high horse of blaming everyone else in
sight for your own shortcomings, get your debt paid to zero, and relish in your good fortune.
Hint: Never borrow money from the Mob. You'll like their interest rates and "penalties" for late payment even less.
edit on 3/27/2014 by schuyler because: (no reason given)