Sick of paying 7 people (Credit Cards)
| Listing Information | |||
|---|---|---|---|
| Amount: | $4,000.00 | Status: | Loan created |
| Grade: | B | DTI: | 20% |
| Lender Rate: | 15% | Borrower: | CaravelleMan |
| Finished | State: | CA | |
| Funded: | 100% | Group: | (No Group) |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2008-07-15 | EricsCC ROI: | 13% |
| Status History | |
|---|---|
| Jul 13, 2008 | Current |
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Purpose of loan: I am going to use this loan to pay of my credit debt, and to make payments to just one source. Its really hard to keep up with, and its killing me on intrest! 2008 will probably go down as the worst year of my life, I left a job of seven and a half years to go work at a hospitol. As a pharmacy tech, but someone with hospitol experience stepped ahead of me, and I found myself without a job. My old job wouldnt take me back, the position was already filled, so now I am with a new pharmacy since Feb. A good job, good place, and I love the employees and customers. But I went without a month of pay, which didnt do anything for my credit. The whole family and myself live with my grandmother, I dont call it "caregiving", its just a way of life for us. She seemed to not have a worry in the world up to Nov of 2007. She had a test, an MRI, and she had a bad reaction to the contrast solution. Now she has been in and out of the hospitol, and we have had to ramp up our time with her 1000%. Before November, she could walk up the street by herself, we never thought anything of it, but after that test, a dizzy spell and a fall, now she cant get out of bed without help. So my whole family has been bleeding whatever money we have into taking care of my grandmother, the house, other bills, etc. On top of that, my father had a heart attack last week. They had to shock him out of Atro Fibulation, boy he's a changed man now, I mean this was his 3rd shock, once in 2000, another in 2002 and now 2008. The stress has just about has us beat. In May, my car was towed while I was visiting my grandmother at the hospitol, that was $150, plus they damaged the linkage in the transmission, yet they fixed it, and that was good of them. But the day after I got the car back, the ignition wouldnt turn, the key cylinder! Had a mechanic come out, and he replaced it, another $175. The towing company denied touching the iginition at all, and I had to eat that one. Back in May I had trouble breathing, and was convinced that somthing would happen to me in my sleep (ie. stop breathing). After calling two advice nurses, my on call md, my pharmacist, and two of my friends, I went to the ER. They found out that it was just a panic attack after they heard what has recently happened in my life. $400 for a panic attack, man I felt really stupid. This loan would really take a load off of my mind, and make my already phone call, paper, appointment filled life, just a little bit easier. My financial situation: Im not going to lie to you, my credit isnt great. Back in 2007 I spent alot of money on my now ex-girlfriend, and that was the beggining of my financial woes. It's not her fault, I just could'nt say no, I was 21, just about 22 years old, and very very stupid. Now im 23, and over the past 6 months, I've grown quite a bit. My grandmother doesnt accept rent, but I am paying on my fathers car loan, to help his credit. Its $525 a month, on top of my auto insurance $93, the cable bill $69, my cell bill $50, groceries (my share) $100-200, and whatever may come up. That leaves about $800 to go to my bills, gas, any auto maintence, whatever the family may need, etc. Monthly net income: $ After taxes is just under $1800. Monthly expenses: $ Insurance: $ 93 Car expenses: $ 525 Fathers Car Note Phone, cable, internet: $ 69, 50, Food, entertainment: $ 100-200 Credit cards and other loans: $ Minimum payments = 417 Other expenses: $ Gas for going to work every month $200 In all thats about $1550, not much left for the things that come up. I'd much rather be throwing $350 at one bill, then at 7 |
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