Edcel.net - mind games

The house is a ticking time bomb. Any minute it will explode due to the number of loans that we have and are out to reach us.

If only we could get some Debt relief. Sometimes wishing to win the lottery is too pathetic since you do have some proper education and you could’ve utilized it to think of something better to do in order to achieve financial success. But then again, due to the scope of the problem that it’s hard to handle, and the limited time table to iron things out; it’s very difficult to think straight. When the money you receive every half of the month doesn’t compensate for the money you owe, it seems like a total loss. But I can just think of ways in order for us to get some Debt help. I want to transfer to a different house but according to a colleague at work, I’ll just be running away from the problem, but not totally fixing it.

But all of this Debt consolidation seems to be too much for my 21 year old mind to comprehend. But I have to act maturely. It’s just that I feel like I’m carrying the weight on my shoulder’s; and the heaviness came from somebody else’s mistakes. Still, I’m still part of this family, I just wanted to start things on a blank page but it seems that this is not the case. Oh well, time will tell.

I practically live in the office. Look at me, it’s a Sunday and it’s supposed to be my day off but I’m doing Overtime work. Did I mention that I also did overtime work yesterday which is also my day off? Also, I plan to do Overtime again tomorrow which is already the start of the workweek. I don’t know what’s going on with me, do I love my job so much? Nah, I just need the money. I plan to spend it by buying things that I’ve wanted as well as paying off debt. I owe a lot to a number of people and to a lending company that it seems I need to do everything I can just to double the income I’m getting. Thankfully, OT is needed and I’m there to take advantage of it. This is what I’ve been dreaming of ever since I started working; that is to get paid with the amount of work that you do.

I don’t care if people usually say that I should get a life, by spending this free time off somewhere. I usually do spend it somewhere; there are just occasions such as this one that I don’t want to waste. Since I don’t have any plans over the weekend, I’m finding other ways to make my days off more productive. What more way can I be more productive than grabbing this opportunity? Besides, I also make sure that the work I do has quality. I don’t want to compromise anything, not even damage my name just for the sake of money. Rest assured, my supervisor can rely on me to do the job; and it’s not because I want to have get the easy way to get promoted, it’s just how I am.

To he who has much to give, has much to receive. Good luck to me on payday!

I only have one credit card. I wish I had more though. I tried applying for one before, when I got regularized by the company. However, I was declined because I was still 19 years of age. But now that I’m 21, I finally got one.

In that process though, my colleagues *ehem* my elder colleagues kept on telling me that it’s just a pain in the pocket and that I shouldn’t bother cause these cards were evil. Of course, I didn’t want to believe them even if they have first-hand experience. But I’m just thinking that they don’t have enough discipline and they weren’t prepared enough to accept such responsibility as they just swipe their cards out of impulse. Because in truth, they’re trapped in a web of debt that they help weave themselves. But then again, I don’t plan to be part of a majority who’s lives would revolve around debt and more debt.

I was also educated that it’s not all a nuisance to society so long as you know how to handle and set your limits. Believe me, I have friends who just apply for credit cards left and right, and they just swipe till they literally drop; only to find out that they’re stuck in a pile of dirt, trying to get out of the mess that they put themselves in.

As for, me I wish to get credit cards to build credit as this is good if you maintain a clean record. According to my pop, if you have a credit card, you have more opportunities; not opportunities to spend (even if it’s true). What he means is that you have more offers from people to be able to venture out into something you would like to have in the future. Take for example, a business and you need to have a capital.

That’s why I’ve been looking for the best credit card applications in order to be able to at least get a heads up in the future if I plan to put up a business. At least, if ever I do have good credit rating by then, I’d be eligible to apply for a loan and make sure that I get my return of investment.

Right now, I only have one; and the credit limit sucks. I’m still searching for good companies out there, but let me start slowly. By then, I’ll be saving up for my own business.

I don’t know what’s going on with life already. We are always like this, trapped with bad credit loans. Just a month ago, I was so ecstatic knowing that after a year’s worth of wait, I finally got my payroll ATM. However, it only lasted a few days, because my father requested me again to ask for another loan so we can finance the business that we were in.

I grew upset of course, since it was early morning and that was the first news that I got from the house. I didn’t agree at first, especially since I knew my brother is also trapped in a litany of bad credit credit cards. I couldn’t explain how mad he got because he didn’t like accumulating debts when he had the capacity to pay on the due date. That’s again because of our status in life.

Right now, I’m just listening to John Mayer’s song as it keeps me going from being close to being insane. My brother downloaded some songs in order to fill up our hard drive, and since I’m more of a blogger, I let him do the music grabbing. I’m just glad that I’m able to benefit from it as well. But I’m veering from the topic already.

Going back, sometimes it makes me angry that I’m always stuck in this rut. But I know it takes a lot of guts for a father to ask for money from his son; and I know that my pop’s intentions are pure. I’m probably being selfish but I want to think about my future as well. Right now, I’m just at a loss for words already.