Straight, No Chase-r

In recent news, I've closed an account (old WaMu turned Chase-Bankenstein - read: "Frankenstein") since they were set on charging me if I didn't direct deposit a certain amount or keep a large balance.

Hilarity ensued at the realization of the personal banker that I am not such a high roller on paper as I believe I am in my head.

I walk into the bank during low volume hours. I was going to take all of my two-digit-and-change dollars out and before I could reveal my name, bank account number or balance, the personal banker took great pains to inquire as to why and how come and how could I possibly operate without a bank. I was not in the mood to discuss my personal banking and even got mildly annoyed when he inquired as to which other bank(s) I am using. I guess I look young or inexperienced since he didn't think I had heard of, let alone bank at, other banks.

I bristled at his question and told him I'd really rather not say. Thinking all the while, "Pshaw, I'm leaving your bank, dude. No exit interview needed for this chick." He responded to my secretive nature by stating that "the entire banking industry is changing and due to laws enacted last year, no banks will have free checking." Um, WHAT?!? It was difficult to keep my tongue from giving him a swift lashing.

Here's my issue with his statement: the entire industry of banks wrote mortgages they knew were risky, then when these high risk loans came back to bite them, they (and their exec boards) were BAILED OUT by the government (read = taxpayers). Now this clown wants to blame the laws that the government imposed to keep banks on the up-and-up on the fact that they're charging account-holders fees. Excuse me, Mr. Banker - your firm lost money due to irresponsible lending practices and your balance sheet hasn't added up over the last couple years. You're trying to up your revenue and decide to charge the people who give you their money. That's not the law's fault. That's your fault.

Upon holding my tongue and keeping my attitude in check, I also thought about the fact that taking over WaMu with all of its freeloading (or non-fee-loading) customers with inactive or low-balance accounts was no feather in Chase's cap. Cutting us all free, much like credit card companies did a few years back, is the logical choice when a sinking ship needs to throw something overboard. Just like then, I am an unattractive customer.

Back to the action-packed visit: After looking up my meager account, things became routine and he proceeded to cash me out and even handed over his business card "in case he could ever help with anything." Nice gesture, but as he reached over, I caught his name tag on his lapel which happened to be the same as a regular Joe recently found to be a killer. "Um, no thanks, man," I thought but saved both of us the embarrassment of recounting how people may react at his poor name.

"There *was* nothing wrong with it... until I was about twelve years old and that no-talent ass clown became famous and started winning Grammys." - Office Space

Walking out, I thought about how proud my Grandpa would be. I once accompanied him into a bank that was trying to set balance limits on his accounts. Of course, he had much more dough that I was extracting from Chase-enstein, but I am sure he was proud of me nonetheless. Professionally and diplomatically, his exact words to the teller that day were, "You're not going to tell me what to do with my money." Walking out with the cash that day, he told my little middle-school brain that cash is king and what you've earned and saved will always be yours.

I only wish now that I had him write that down and laminate it for times in the future when I would need it.

Named-after-a-killer-man did not know how to handle my attitude. I can only assume he'd know how to handle a note from Grandpa.

Ketchup

I am behind on my blog responsibilities. For some, that would mean things are going swimmingly or at least efficient in my "real" life. Not so much. Things are just going. I am trying to catch up on a lot and keep my head above water (productively, thankfully not financially).

Things I need to do for the blog:

• update my net worth (see chart to right)
• recap on my progress or achievement of 2010 goals
• set 2011 goals (I was so excited to do this for 2010. Where's that fire in my belly??)
• set goals for posting since I've seen a lot of other PF bloggers wean off or completely stop (could write an entire post about this and how it has affected me)

Onward and upward!

Stalk, much?

I have to admit. I'm a bit of a stalker. (please don't judge)

I haphazardly happened upon a person's identity who may (or may not) have taken a position I interviewed for last year. Once I stumbled upon that person, it was not even a question of whether or not I should... I just did look up another position for a completely different company I interviewed for. It felt weird trying to figure out and look up these random people. Finding out things about them and seeing photos of them. But I felt justified in knowing that they were in some way "better" to these companies, these hiring managers, than I was (at the time... *smirk*).

Google yielded me the regular social media and networking sites. I weighed their qualifications and could see how they may have appeared to be better than me. Of course who knows how they interviewed. I didn't necessarily wow the socks off of anyone.

I have to admit, it was a little like finding past boyfriends and comparing yourself to the women they married. You have a critical eye and believe you're getting somewhere with your actions. But once the evaluation is done, you don't feel any better about yourself.

Perhaps I should start my New Year's Resolutions early and vow to never look back. Do people really accomplish that feat?

Onward and Upward

Despite our recession, marriage is still in full force. And I believe it.

How do people get married? Just up and one day decide to join everything that's hanging out and wrap it with a great big bow? During my past relationships, I have had so many friends meet, date, plan and then follow through with a wedding... in the time my relationships have just stalled into neutral and coasted into a ditch. Now I am beginning to wonder if there's something wrong with me. Or the people I choose. Or perhaps I'm too lenient with their way fare ways. (Or perhaps I over-think these things...)

When I was little, I thought I was unlovable. Literally. Those words are written somewhere in an old middle school diary. I remember writing about how I feared that no one would ever be able to love me, all of me. I'm not sure where that came from. I wasn't the most popular kid in school and was very self-critical. Could this be self-inflicting? I remember a pattern of sabotaging relationships early in college (now that was mature, wasn't it?). Haven't seen that rear its ugly head recently. Perhaps now I'm just choosing the wrong people. But isn't that answer a little too easy?

And it's not like I have to get married to move on with my life. Or technically to become an adult. Though it would just be nice to know that someone thought I was lovable. All of me.

The end/beginning

I've ended it with the person I was seeing. Reflecting back, I see myself as a better person before I met him. True, there were some serious upheavals in my life during our time together. And I may have been the person I am regardless of our involvement, but I feel better without him. A little worn for the wear, but better. Freer. More me.

I don't want to vent or digress, but he wasn't getting me to where I need to be. He was distracting me (and himself) instead of moving forward. It just took me a little time to figure that out. I feel like I give everyone time and none extra is given to me. Time runs out.

I made a list of goals yesterday and ways to achieve them were defined. I want to go in the right direction and speed my life up. There was a time when everything was hectic and at the same time lovely and enjoyable. I feel like I'm trudging through molasses these days.

I had some wine tonight and that's relaxed me. It also gave the sniffles... hmmph.

Life isn't fair

Another wonderful life has been snuffed out. A beautiful person who carried with her a piece of my being has left us all. Yet again, the shroud of protection around me from birth is being chipped away and left open to the cold. I'm not replacing people or places or things. I'm clinging to the past, the love, the warmth.

The more people leave and depart, whether voluntary or involuntary, the more inward I turn. Licking my own wounds is easier to do than expecting others to do it. I'm a sad, sad person right now. I mourn her life, as well as everything that she represented: the ones who have gone before. All that could have been, all that was and all that was supposed to be. Plans are cancelled. Dreams stunted. Time stops when someone leaves. It's silent for just a moment and then WHOOSH! the world passes the event by and it's suddenly yesterday's news. I wish it would just slow down and provide me with time to grieve.

Contentment

I am where I am right now due to all of the choices and decisions made in my past and where I will go will for the most part depend on all of the planning I have completed for the future.

While I do not take my current situation for granted, I am not as content as I think I could be. The true definition for me of unhappiness is thinking there is a place better than the one you're in. I never planned to have my life the way it is now and perhaps that's why it is the way it is now.

I work hard. I am a nice person. I don't take huge risks. I have grown to believe in myself. I am independent. I don't know when I will be able to relax and be content with my life. It just is. And I accept it. It's not better than my father's or my grandfather's life. In many ways, it's actually worse. I feel like they worked in vain trying to make my life better, easier, more "whatever". And I have squandered it by not planning and not knowing. In a way, not caring.

I've made poor decisions by not deciding.

Being paralyzed by fear and rejection, embarrassment and ridicule. From people I don't even like or care about.

I thought my life would be so different than it is now. Ask me how and I don't know the details. I just feel like I am spinning my wheels.

A late fee and a revelation

So I have a late fee since I haven't paid my one (count it, people, ONE!!!!) actively used credit card on time. I seriously don't have a clue what happened. You would think with only one card, I would remember to pay on time and in full. Oh well. I will call them tonight and work something out. I checked online and the last time I paid late (and called and got the late charge taken off) was after Christmas 2008. January, to be exact. So at least it's not recent.

In other news, I was looking through some old photos of myself and realized that I don't look the same as before. Before what? Before everything. The layoff, the family issues, the pain, the stress, the sleeping too much replaced by the sleeping too little, the not eating right, the not exercising. My skin doesn't glow anymore, my hair is blah. In a way, everything that has happened to me could not go unnoticed to my appearance. I just didn't realize how much it had.

I used to look at people like me and think "Gosh, what happened?" Life, that's what happens.

I got excited about something so small this weekend: planning it and making choices. It felt so foreign yet so good. I think when my life became dictated by everyone else, I sort of gave up making choices and making myself feel better. I guess that should be my goal for the next month: Make more decisions and feel more in control of my life and thus, happier.

Update on Goal Progress

I feel that I'm seriously slipping. I haven't been true to my spending goals as well as my social goals. I just want to hide away (I prefer "hibernate") and eat lots of take-out. I have freezers full of great food but I am always too tired to cook.

[is that a whine I hear?]

I've made some progress with socializing, but nowhere near where I need to be. I keep trying to put myself out there, but so much has happened in my life that I constantly feel like no one (except bf) really understands me. I feel like I'm receiving acceptance, they just don't understand me.

I don't want to venture out of my cocoon. Is that really so bad?

No winning, but no losing either

Well, I didn't win.

I had to close the FIA card. However, the last customer service rep I spoke with took some pity on me and decided to move over most of the available credit to another card I have that is also linked to their company (oy... so many cards, so few companies). So I will have a closed (albeit by the consumer) card on my record, but still maintain the amount of available credit.

So I guess I haven't lost anything, either.

Card Troubles

Well, it's happened. I was sent a notice late last year and now it's taking effect.

My FIA card is charging an annual fee.

I have not gone down peacefully.

I've been on the phone with six (yes, SIX) different "customer service associates"who claim different stories for why my card was even chosen for an annual fee. Some say it's because I don't have accounts with the bank. Some say "someone else makes that decision" and then when I ask to be forwarded to that person or people, they somehow can't figure out where to send me. Some say they have no clue why my card was chosen and side with me on the reasoning that I don't deserve a fee. Still others claim less than 1% of users were chosen to pass extra charges onto. (Lucky ME! I don't win anything except the very best prizes)

They all tell me I will have to close the account to see the fee disappear. Oy vey.

Let's clear some things up, first of all. (this is similar to my nicely phrased rant to all of these "customer service associates":

- I have great credit (okay, not perfect, but nothing absolutely terrible)

- I use this card (as in, all the time)

- I've paid interest in the low double digits on this card since I've had it

- I've had this card for over 10 years (it was one of my very first)

- This card does not offer any benefits (the whole point of an annual fee)

- I don't usually pay this card off every month

- FIA makes more money on my interest each year than they would with my annual fee

I don't want to close this account, because I have a high available balance and a 10 year track record. Differing reports online tell me it won't ding my credit score that badly or it will take a while for any dinging to seriously affect my score. I just don't want to be forced into closing an account.

One service representative tried to break the annual fee down into months and tell me it "isn't really that much". I nearly died. My response was along the lines of: "Well, hey why don't we break it down into days or minutes or even seconds... it's still the same amount per year!!" Are these people really that dense? It's as though she was trying to make me feel stupid for arguing about "so little an amount". Of course, I had to use her own argument against her and said "Well, if it's such a small amount, why do I have to pay it? Why doesn't FIA pay it for me?" To which she daftly replied: "This is our policy on annual fees". I swear I could hear a breeze blow through her brain. She was just that dumb. Or just that bad at customer service.

I just want to WIN. It's not really even about the annual fee, now. It's about breaking them down.

If I cannot win and I have to close this account. I vow to never EVER use FIA again. I got their card when I was young and impressionable (a market they're losing out on now). They dropped me when they didn't care for me anymore (aka: couldn't make enough money off of me). My only move after 'losing' would be to boycott them. For the rest of my wonderful life.

The Big Level Off (or Current Net Worth Approximation)

After updating this month's net worth, my graph is beginning to level off. Up 0.59% from last month. Paying off (mostly all of) my credit cards has certainly decreased my liabilities (yay!). My retirement account depreciated a bit. Hmm... It's currently at a previous employer and I'm not sure what I want to do with it.

I remember calling the retirement company and asking if I had to make a decision by a certain date or forfeit my funds. Upon hearing that I didn't have to make a decision, I literally squealed. No joke. The woman on the other end must have thought I was crazy. I guess I like not having to make serious decisions on someone else's timeline. I like to make decisions when I want to. Deciding when to make this is all the fun!

Soon, there will be a new feature to my blog. It will stay a secret for now (it's still in the works). But it will provide more of a peek into my personal life and my goals and dreams. I can't wait to surprise you!

Not quite done yet...

I was so excited to have paid off my credit cards, I forgot about the residual interest monster. Creeping in to ruin my perfect zero balances. Arriving in light-as-air envelopes. There's no way to escape them. They come in small one and two digit numbers. But they'll make you whip out a check of log in once more to the card site after you thought you were all done.

So far today, I've called three companies and had the best luck with Capital One. $20-something: poof! Gone! It appears I perform better earlier in the day with women rather than later in the day with men. Some of them are so matter-of-fact: "That's legitimate interest... you're supposed to pay that." I'm doing my best to act dumb to get out of these little inconveniences. I know it may still be my responsibility, but I am willing to keep calling. To reach a woman. Earlier in the day. Who will erase them. Forever.

In other news, I was alerted by Mint that I had a $99 annual fee on a completely different card. Interesting. I don't pay annual fees. Especially on cards without points or miles or doodads. What's the point? Again, I reached a man (a gruff man, at that) who proclaimed that I was sent a notice back in October to the effect of this change. After confirming my address with me, he insisted that I must have received it. I demanded that I heard nothing of the sort. In all honesty, the mail he's talking about probably got shuffled away with all of those resumes and job offers. I had bigger fish to fry at that time.

So I will have to pay off and close that account. Bummer. I will try to call tomorrow and reach a woman or a manager and wave my long credit history in their faces. The only caveat is this card used to be with my bank and then it was sold to another creditor. So they don't know of my long history and clout with the bank. This could get ugly.

Goals for 2010

I'm jumping on the bandwagon and creating goals.

[I guess if all the other bloggers were jumping off their proverbial bridges, so then would I]

I don't usually do this sort of thing, especially in the financial realm. Well, I have more short-term goals. Such as, get a paycheck, pay my bills, get a paycheck, pay my bills. I do believe goals would help me reach my full (financial) potential, though.

Backstory: Before attending a recent wedding, I read up on some blogs about the exorbitant costs involved in destination weddings. So I decided to budget and save the amount I needed in cash before charging up a card. It was fun to put together the spreadsheet, figure out the amounts for the different travel options and have an exact number to aim at saving. While I didn't reach my goal of saving the entire amount (bummer! but I got very close), it was actually a fun challenge to see how much I frugalize to make my budgeted goal.

Side note: friend and I are not that close anymore and it's really fun to vent (quietly to myself) the exact amount I spent being there for her on her special day while she's not really here for me now. Just a tip for the future, ladies (and gents!).

So here goes my fun goals!

Personal Savings
I would like to have at least $15,000 in personal savings at the end of the year. This would be roughly an 8-12 month emergency fund.

Credit Card Debt
I will not accrue any credit card debt for this calendar year. (barring any emergencies!)
I will use cash as much as humanly possible.

Student Loans
I will pay off at least half of my student loans ($9k) by the end of this year.

There. That should give me something to measure in 12 months.

As for personal goals, here are what I am aiming for:

Lose Weight
Who isn't listing this one? okay, you with your hand up, I officially hate you!

Make New Friends
This may be hard to balance with my financial goals since friendships do seem to leak my funds. (gifts, lunches, dinners, etc.)

Be a Better Friend to Those Who Are Already My Friend
As easy as a phone call, as hard as just being there. I need to reward those who already love me.

Simplify Life
I sometimes make it a habit to make things harder for myself, instead of easier. Here's a reminder to not torture myself this year.

Organize my Surroundings
This is the work that will lead to simplifying my life. I am always losing things and waste valuable time searching for the most inane things. Why not just organize ahead of time to avoid this wasted time and energy? Methinks others do this already. I was just born and bred to be messy and somewhat enjoy the challenge (but certainly not the stress) of having to find things in a pressured situation.

Okay, so wow. Those personal ones are not very measurable. Perhaps I should set up monthly milestones to achieve for those.

So close I can taste it...

This past year has changed me. I can honestly say I've gotten tougher, though it's not like a was a light-weight to begin with. I feel like a rock that's been made into granite.

Last year this time, I had no idea what was in store for me in 2009. I thought I would get closer to my goals and closer to who I thought I wanted to be. It could not have taken me further away from where I thought I was going. In a way, it provided me with new goals and shook me to my core. 2009 told me I wasn't as strong as I thought I was. It told me not to believe everything I see and all that people tell me. It took away another innocence veil and fed my inner skeptic even more.

Family issues coupled with the loss of my job flung me out into the outer reaches of space. I wasn't who I thought I was, since the two main dictators of identity were throwing me up after a night of hard drinking. I'm not one to dwell or live in the past, but I definitely had to make it through both of those before I could move on. I'm still not past the family issue, but I am working on it.

Friends I thought would be there for me tossed me out as well. Roads they were forced to take became the "best routes" and the "way to go". My path became overgrown and inconsequential.

For stretches of time, there was no one to depend on. No office mates to lunch with, no family to rely on, no friends to download to. All I had was myself.

I remember quite vividly the exact moment in my pre-teen life that I realized that we all die alone. No matter when or where or with whom, we must all go on to where ever it is alone. That first panic attack was a doozy. I had always been surrounded by family, friends, people, animals. To envision walking the lonely path to the other side was unbearable. I was young and naive. Now I feel old and jaded. But resilient. No one would walk through life with me - why would they want to walk to my death with me?

So tonight when the clock hits midnight, instead of reveling in the memories and planning future goals, I won't be expecting anything of 2010. I have a feeling I won't be alone.

Updated NetworthIQ

Today's NetworthIQ update is the official last update with all of my credit cards unpaid. Tomorrow (read: next month), the numbers will begin to look differently.

They will begin to be real.

Like a band-aid...

I woke up this morning and didn't want to go through it anymore. I didn't want to search for credit cards and past bills and remember to log-in and pay the minimum amount. I didn't want to log my progress in a notebook or put reminders for bills due on my calendar online. I wanted it done. I wanted them gone. In the past two months, I've received more "shut down your account or risk having an inflated apr" notices. Some, from my longest held credit cards. I felt like saying, "I thought you were my friends."

You arrived in the mail when I was at college and didn't get any other snail mail. You had fancy forms to fill out that made me feel like an adult. You lured me in and now, on the cusp of my seeming adulthood, you want to banish me from your record. Or sear me with a high apr. I'm not your piece of meat to play with. I understand your ways. I realize by me paying minimums and not really spending anymore, I'm not adding to your bottom line. I'm not making any one of your fat cat's parachutes a little more golden.

So I took them all and like a band-aid, ripped them all off. "Paid in full" is what will come to my little mailbox now. I have switched the roles. I have the leverage now. I will not use you anymore for my silly happiness. I will restrict myself to the bare essentials and enjoy myself by doing so. Your crutch is useless to me now. I don't even know where all of my cards are right now. True, this is not incredibly responsible, but in a way, it is. Instead of freezing them in a block of ice, I've taken to "losing them" around my house (really hiding them) so I cannot access them. When I do run into them, it's usually not during an online spending spree urge or trip to the mall.

Just in time for credit companies to make millions on others who overspent for the holidays, I will be rich with the free time and worry-free mentality that paying them all off has granted me.

There is no better late Christmas present.

I'm becoming my parents...

Nothing like saying that phrase to get you all depressed right before the holidays.

I literally have no need for doctors anymore. I used to chide my parents for not getting annual check-ups and making an appointment at the first sign of any malady. Nowadays, it's me who puts off calling the doctor. I have literally had something wrong with me for 3 months (and counting!). If I had insurance, it would have been dealt with. Since I do not, I have procrastinated. Which leads me to believe that my parents had something correct in their assessment of doctors.

In the past year, I have mentioned certain symptoms to my primary care physician who either shrugged them off or told me I was a hypochondriac. And while I will not dispute the latter, I was not acting so much so like a hypochondriac in his presence for him to assume that. A second opinion, you say? Yes, that would have been good. But I didn't. Partly because I was so married to my job at the time, that I couldn't think of taking whole hours away to attend appointments.

I guess only time will tell if I break down and finally go to the doctor. I really don't want to. At least now I finally understand where my parents are coming from with their judgment.

Old Maid

I don't know where I am going. I know where I've been. I've lost focus in my life and feel like I'm just putting in time. I actually feel stranger now with a job than I did when I was unemployed. Other people around me have gotten married and are having babies. Some haven't, and their lives break my heart. Mainly because I feel they are spinning, just like me.

We're all spinning in some no-man's-land without anything holding us down and still nothing really happening for us.

I passed on a lot of typical personal milestones... serious relationships, lots of friends, marriage, babies, etc. since I've been so focused on getting things done (education, job, etc.). I've had friends but have kept them at a distance. I've had boyfriends and have squeezed them so tightly with my emotional needs (since I don't rely on lots of friends) that their heads have popped off and they left, headless down an alley. Or acted like jerks and then left.

I've seen friends get married and have babies and then have the world. Or at least act like it. I'm not sure I want that. I haven't so far. I've had boyfriends talk of marriage, break up with me and then marry the next one to come along. I say I dodged a bullet. And crafted a perfectly good candidate for marriage for a total stranger. But then why am I so envious of their lives?

I've had boyfriends waste my time. Lie to me. Keep secrets that I found out anyways (and once didn't let on for years). Only to have it come back and bite me when our relationship was so far gone that I realize I should have let him go when I found out.

People say you'll meet the man you'll marry and just know it. I guess I haven't. And I'm not getting any younger. I was always so focused on school and then later a career to worry about settling down or timing my decisions to find and marry a man. I fear that my time put into myself hasn't really amounted to much. Sound harsh? Perhaps that's why I have no friends.

A lot of work

So this new position has me more busy than my last. I'm not complaining - I am happy I have a job. I'm just not used to the intense amount of work. The long hours I used to have were rewarded in some ways. This company does not offer as many perks. But it does pay. And it is rewarding in other ways, besides a paycheck.

You'd think after months of having nothing to do, I'd be happy to have things to get done. And I am. However, I feel like I'm neglecting me a bit. I don't have time to work out, hang out or sometimes just relax. My bank account is whole now, next it's time for my personal life to be whole.