2003-10-06 - 8:44 p.m.
Today's been generally decent. We started muscle presentations at school today, which just reminded me how much I hate presenting information to large groups of people. I had a decent, cheese-intensive lunch, and an afternoon of...more pregnancy massage!
There was a message on my phone when I got home from a stranger asking me why I had yet to consolidate my debt. I contemplated ignoring it, but figured getting more information wouldn't hurt anyone. So I called the guy back, and gave them all my debt information. However, I've been thinking about the figures he gave me, and I'm wondering if I made a mistake. He said I'd be debt free after I make 99 payments of $222 with an interest rate of 10.45%. This is $9 more a month than I'd be paying now if I paid my bills on time...but supposedly without this it would take me 31 years to pay my debt off, which equals savings in the long run. I have no idea where he got that, since 11/12ths of the debt is my loan for massage school, which without refinancing would take 15 years to pay off. There's a $39/mo. processing charge figured into the price for the first 40 months of repayment. They will debit this money from my checking account. But I realized just now that he didn't get my checking information. He's calling me back tomorrow supposedly. Tell me I didn't just give all my credit card numbers to a strange man who plans to steal my identity! (though, I have to say, it's not really worth stealing...my credit's not exactly fantastic. I have a mental glitch with making payments on time). I'm going to reclaim my debt! If it's not too late?
Jeremy's brother Justin (and 3 of Justin's friends) came to visit yesterday on their way back to Michigan. It was a pretty good time, considering our apartment is small and we have no money. We rented a movie, which required moving the TV to a place where all six of us could watch it. Now it's still out of place and far too heavy for me to lift. I can't figure out how to hook the cable back in through the box (the tv to the vcr to the cable...?)
Speaking of no money--wasn't there a woman somewhere in internetland who made a web page asking for money? And didn't people actually send her money? How did she do that? I'm thinking about different ways to pay stuff off, and I can't rule out this seemingly ingenius plan. I'm a nice enough person. I have genuine need for money. My loans are substantial, my income is minimal. I'm also thinking about tap dancing on street corners. You know, before it gets any colder. My window of opportunity is closing! People give spare change to guitarists in the Old Port, I can't see how my dancing is any worse than their music!
