You guys have been great so far. It must be frustrating dealing with someone who has clearly been dumb enough to get themselves this messed up. I really appreciate your help more than you know. I know I need guidance, but don't even know who to ask for advice.
I got a 2nd job working the door at a bar. This gets me 400-600 a month after taxes.
I cut up my CC's in April and haven't used them since.
I no longer spend any money on non essential things. I only pay bills, buy gas, and pay for my gym membership.
AMEX cut back my lines of credit to basically equal my balance, so late payments bump me over the line of credit and I get screwed on fees. I am making my 15K amex a priority to get under the line of credit as quick as possible. After that I plan on paying off the 2.5K amex by sending in 120 instead of the min 75 a month. After that is paid off I will go after the 15K card. The loan will be payed off in about 2.5 years, as will my car.
What is hard is that I do not have any buffer in my bank account. One slip and I get hit with over draft fees of 35 dollars per item. I have been trying hard to monitor this, but Bank Of America does things like monitors when things post, but not when money actually comes out. I just need to keep better track of the whole account.
There are a couple of bills I need to pay soon, but can't seem to divert money away from my normal bills. I owe my old landlord about 1,200 dollars and am trying hard to get him money asap. It seems like every time I think I will have it I get hit with something unexpected.
I am glad I did not go through with the sierra financial program. What do I say when I call up amex? Just ask to lower my interest rate?
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