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Monday, February 01, 2010

A Rut.

You know when you can see the end goal and know how to get there, but just can't seem to make it in a timely manner? That is how I feel at this moment...I am stuck in this rut.
Now, I warn you that I am going to bitch about finances for a moment, which is probably faux-pas but that is all I think about at the moment...or at least it is at the forefront of my mind.
I used to go to school, and I couldnt afford this school, so I got my mommy to co-sign a loan for me so I could go. I, in the meantime (last year of school) got preggo (totally planned) and stopped going to school full time. So, said loan, came into repayment.
Not a bad thing entirely. We also got the Child Tax Benefit and that was automatically placed into the account paying the loan.
Fast forward to last year, and for some reason the govt started sending cheques rather than putting it into said acct. So the loan goes into arrears, by quite a bit, before we are any the wiser that this has happened.
Now, to today. We are still in arrears about $200. Not a lot of money I know, but to just throw $200 at a loan when you are living off of one income and trying to pay for food is just not happening. Of course the bank doesnt care that we pay them $400 a month to try get caught up to this stupid loan.
I wish that everything wasnt so black and white and that they would just back off a little because we do pay every single month. The min. payment is $140 and we pay $400...and yes, it is still in arrears, but come on...we pay in good faith.
My dream will be realized when I can move this loan out of the institution it is in and put it somewhere else, close all my accounts and never ever use them again.


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