Shoemaker's kids have no shoes

For those of you that read this blog, for as little as I enter anything these days, you'll know that my Dad's blog has little tidbits of info on money. He is very knowledgeable and has real life experiences to back it up, some bad but mostly good.

Me on the other had have always been horrible with money in my hands, I am a immediate gratification kind of guy. I spend according to emotion, I spend when I am stressed and I spend when I am happy and like most Americans I built up a pretty good size debt by the time I left UW-Oshkosh back in '96.

The credit card companies were ruthless in their offers, easily 2-3 offers a day back then for new cards and you want to know what I bought with these cards...not a god damn thing worth showing for it. I should have big screen tv's and golf clubs and more shit...but no I got nothing.

So your wondering where this is going, well me too but here is the deal. We were doing pretty well just three years ago, full time job, good income, company car, new house and most importantly only a $35.00 payment per month on a studen loan for Jen. Then I got my ass canned at work and I went back to school. We did the little bill dance per month, hey we can pay this this month and that that month...cha cha cha.

We did very good for the most part, no big credit card bills and we are way below the national average in overall household debt. So here I sit and our credit score went down over the last three years...we knew it would...but all I need is a little bit of money to tie up loose ends and increase our overall monthly cash flow. I have a good amount of equitity in the house and would only need to tap into less than half of it to make my life easier...so I go to the bank...get this....you'll love this....

APPARENTLY YOU NEED TO PROVE YOU DON'T NEED THE MONEY BEFORE THEY'LL GIVE IT TO YOU.....what the fuck is that?

The only thing driving me and keeping me sane is the thought that when I get through all of this, all those bitch ass banks that just sent me on my way when I needed a little consolidation money will be able to kiss my ass when they want my business later in life.

At 12:36 PM,  Anonymous said...

Your are creative! Find another solution. Banks are notoriously fickle in there choice of customers and are known to "gouge". Savings & Loans are a little more hungry and Credit Unions can be good. Stay away from sleezy mortgage companies.

Big screen TV's and golf clubs will come. Besides, golf clubs are psychological. It is not the club, it is the golfer. What a revelation!

 

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