Although I do a pretty good job of managing my finances now, things weren’t always this easy for me. I got my first credit card when I was in college (even though I didn’t have a job at the time) and racked up thousands of dollars of debt on frivolous items such as clothes and gadgets. Then, my parents were going through financial problems of their own and couldn’t pay for my tuition anymore, which meant that I had to take out student loans in order to stay in school. Finally, the financial pressure mounted to the point where I had to drop out of school and get a full-time job in order to start paying off my creditors.
That was the most difficult time in my life, and I seriously considered filing for bankruptcy in order to get out of paying for some of my debts. But before doing so, my mom convinced me to get some credit counseling first. She was convinced that my situation wasn’t as dire as I was making it out to be, and wanted me to avoid bankruptcy if at all possible.
I decided to take my mom’s advice, so I made some phone calls and talked to a knowledgeable credit counselor. I discovered that filing for bankruptcy wouldn’t automatically give me the fresh financial start that I wanted. In fact, doing so might actually be considered a setback since a bankruptcy would stay on my credit record for many years and would hinder my ability to obtain a mortgage, get an auto loan, or even just get new credit cards in the future.
I learned that debt consolidation would be a smarter move, so I decided to go that route instead. It took me a long time to pay my off my mistakes, but I eventually did so, and I now have a pristine credit record.
All in all, I would advise against filing for bankruptcy. There are other ways of dealing with financial missteps, so don’t put yourself any deeper in the hole by taking such a drastic step!
We’re finally getting into the homestretch of Season Six here. Things are winding down in traditional 24 style, which means that the plot has taken a distinct turn. The threat that opened the beginning of this day (the suitcase nukes) has been handled, but there’s another major problem to deal with. In the past, this secondary problem has also been used to set up the plot for the following season, so now I find myself looking for clues every time I tune in. Anyway, here’s what happened on episode 6×18, which took place between 11:00PM and 12:00AM.
The newest episode of Desperate Housewives was called “Liaisons” and dealt mostly with the relationships between the women of Wisteria Lane and the various men they’re involved with. In addition, we got a glimpse of what will likely turn out to be a very dark side of someone who up until now has just been a minor character on the show. Anyway, here’s a closer look at what happened on episode 3×18.