WE ARE: 5 women navigating our twenties in search of peace, happiness and love (or not). WE WRITE: about everything and nothing. From the insane to the mundane- you will find different paths taken, lessons learned and lives lived. WE THINK: you’ll enjoy it...Warning: Consumption of these views may leave you enlightened while intoxicated.

SO LONG, FAREWELL...

The View From Here will conclude on Friday, October 1, our third year anniversary. We would like to spend this month thanking all of our readers, followers, haters, visitors, family, friends, and fans for your continued support, encouragement, and comments over these past few years. Thanks y'all!
-The Five Spot
Showing posts with label debt. Show all posts
Showing posts with label debt. Show all posts

Monday, June 9, 2008

Tryin to Make a Dollar Outta Seven Cents

For a small piece of paper it carries a lot of weight
Call it lean, mean, mean green

Almighty dollar

I know money is the root of all evil
Do funny things to some people
Give me a nickel, brother can you spare a dime
Money can drive some people out of their minds

- For the Love of Money, Ojays



Times are a bit hard right now. People of every race, creed, and socio-economic status are feeling the sting of the our economy's current state. The "experts" have finally admitted what us regular folks' pockets told us months ago: we're in a recession.

My dollars just ain't stretchin' like they used to. And I am quite the expert at making a small amount of my money work big for me. Clipping coupons, shopping at discount retail outlets, carpooling, and conserving energy (to keep utility costs low) are just a few of the budget savers that I incorporated into my daily life long ago to help me hold on to a few extra dollars. But the tricks of the trade aren't paying off like they used to. There's a global food shortage crisis, gas prices are effin' expensive, the national unemployment rate recently increased at a record rate, our nation is in humongous debt and we're being taxed everywhere to help re-pay it. And if I hear about one more celebrity going into foreclosure... Like I give a damn! I'm a hard working thousandaire trying to pay my own mortgage on time. I could care less about Britney Spears or Ed McMahon losing their mansions.

The bottom line is I don't need Dow Jones to tell me that the almighty dollar ain't what it used to be. The only thing mean these days is just how lean the green is. You know the saying about desperate times... It's only a matter of time before you start seeing clips of folks brawling at the gas station. A couple of days ago, I saw two women buck at each other over who arrived first and who's turn it was to pump their gas. It was not pretty. Watching them made me ask myself how has this weak ass dollar affected me and my everyday life?


  • No more specialty shower gels and bubble baths. They are not cheap and never have been. A bar of soap will clean me just the same. I shall leave it to the lotion to make my skin soft.

  • No more paying bills by mailing in payment. Stamps add up, quickly. And they just went up another cent. Online bill payment is quick, easy, environmentally friendly, and FREE.

  • Only buying food for one or two meals at a time. I realized how much food I waste on a weekly basis because I could not eat it fast enough before it went bad. Being a single housewife on the run, I don't spend a lot of time at home. I started buying 8 eggs vs. 12, smaller sized milk cartons, 2 apples instead of 4, etc...

  • No more cover charges to enter a club or lounge. This has always been a personal rule of thumb, but I was willing to bend it if I felt that a specific occasion or event was worth it. Today, none of them are worth it. If there is a cover, I will party somewhere else.

  • Making bus transfers. I don't own a car, so riding the train and bus is part of daily life. The bus is $1.25; when you board you get paper (or electronic) transfer that is valid for two hours of riding. I take an expired transfer with the current date and glue it on top of a transfer from a past date that has more "time" on it. Thus allowing me to ride all day without paying the all day fee ($3.00). Yes it's illegal, so don't tell nobody.

  • Happy Hour chez Dark & Stormy. If me and the ladies are hitting the town for a night of fun, I get the party started at home. One drink at the club = a six pack at home. And my chicken wings taste better than theirs anyway. By the time I arrive to our destination, I'm ready for a coke and a dance.

The Ojays said don't let money change you. Always easier said than done.

Has the lean green changed your ways at all?


Tumultuously Yours,

Dark & Stormy

Monday, March 17, 2008

The Big Payback

Hey! Gotta gotta pay back!! (The big payback)
Revenge!! I’m mad (the big payback)
Got to get back! Need some get back!! Pay back! (the big payback)
That’s it!! Payback!!! Revenge!!!
I’m mad!!!

The Payback, James Brown



I am mad as hell today. Pissed off. Fuming. Infuriated. Seeing red.

You know the saying when it rains, it pours? Well I’m drenched.

My tax refund was intercepted by the thugs I borrowed money from to pay my tuition. Yes, I was behind on a couple of payments but I’m sorry that the cost of everything has risen in the past few months while my salary hasn’t increased nary a cent. So I have to play “Wheel of Payments” when its time to pay the bills. The object of the game is to spin the wheel to see who will be paid this month. Sorry Sallie Mae- Washington Gas, AT&T Wireless, Mortgage Company, and Dark & Stormy’s Cupboard beat you, but try again next month! Here’s a free spin chip for the next round…

Now I know I’m wrong for not paying the thugs on time. But did they have to take the entire refund? Don’t they know a poor person such as me had BIG PLANS for $2K? The crib needs painting. A new stereo for mom’s birthday. Airfare & hotel for summer trip to Trinidad. A digital camera, ‘cause I’m the only person still dropping off my disposable camera to the CVS. And a lil’ sumthin' for the savings account. Why not take half? Two thirds?

I know, I know… That’s not how things work for the underdog. And the thugs want their payback.

So when I realized they took the money, I was upset but wasn’t really sweatin’ it. I figured I’ll just have to settle for a road trip to the beach this summer and add the other items from my to-do list to the “Wheel of Payments”. I gave the thugs a phone call to determine my new balance since they had just received a hefty payment. The conversation went like this…

Call Center Rep: Ms. Stormy, it takes 7 to 10 business days for any recent payments to be reflected in your balance.

D&S: So you can snatch up my money immediately but cannot post it to my account with the same swiftness?

Call Center Rep: That’s correct.

D&S: Okaaaayyyy (Wasn't ready for that response)...
Well when everyone is done twiddling their thumbs, can you please send me a statement in the mail documenting the amount you intercepted and the remaining balance?

Call Center Rep: Yes ma’am we can. Also we need you to make a $XXX.XX payment to bring your account current. We can assist you in working out an affordable plan for payment during subsequent months.

Starting to see red.


D&S: Umm… Didn’t you just take a couple thousand from me? That was just about half of what I owe you. Subtract your down payment from that.

Call Center Rep: The refund intercept cannot be counted as a down payment because it was not a voluntary payment.


Temperature rising and palms getting sweaty.


D&S: LOL! Excuse me for laughing, but I’m at work right now so I can't let anyone see me cry. Only white girls can cry on the J-O-B and still be considered competent individuals.

Call Center Rep: Ms. Stormy if you do not bring the account current, our next step will be pursuit of wage garnishment.


Rising up outta my chair, mind cloudy with visions of kickin’ ass .


D&S: What in the hell? Haven’t you garnished enough for one week? Y’all are straight trippin’! This conversation is so over. WTF…

CLICK.


I’m mad.

I want revenge. I want revenge. I want revenge.

Tumultuously Yours,

Dark & Stormy

** Called back later that evening and set up payment arrangements. I may be a fool at times but I ain’t crazy. Damned thugs. **