As of 3/4/2010 Part 1

Ok I finally took the plunge and wrote down on the right side of my blog the amounts I owe as of today on each of my credit cards and the personal loan.

 

I'm shocked, and confused, and now embarrased but facing my problems.

 

First of all I know the balances I wrote now are right. I had all the documents to check them. So i'm surprised to see that Citibank and Promerica are so similar as to what they were in October 2008. So I went back to check my Promerica payment plan and it seems I was still having trouble disclosing all that I owed back then.

 

Now i'm better at it but probably still have to go. So to force myself. I'm going to write down what I had wrote down in 2008 and what my records say that I really owed in 2008.

 

This is what I had written

 

As of 10/05/2008
Credit Card One $6651
Credit Card Pro $6000
Credit Card Cr1 $9829
Credit Card Cr2 $1589
Credit Card HS $5485 ($300/mo)
Personal Loan $6458

 

This is more accurate of october 2008:

Credit Card One $6460 (about $200 less, maybe I was using the previous month's numbers)
Credit Card Pro $8890 ($2890 MORE than what I wrote before. I either just guess it or tried to fool myself and you).

Credit Card Cr1 $9829 (checks out, balance plus extrafinancing)
Credit Card Cr2 $1589 (checks out, just balance)
Credit Card HS $6930(About $1500 higher than post previously and I really don't know why I wrote that number before, it's just strange because it had no basis.)
Personal Loan $6777 (About $300 MORE, maybe I was using the previous month's numbers.

 

I've corrected the numbers on the right side of the blog, but I left the previous numbers here as a reminder of what I had wrote before. I was going to write about how I felt about each debt and how it had evolved but I had confirm the 2008 numbers first. I see that most of them were about right but the Promerica debt was much much higher and I really don't know why I wrote less. I either used bad numbers to start, bad math when converting to dollars or bad judgement in trying to look like I owed less than I did. Right now I can't remember now I felt back then about disclosing my finances.

 

I apologize if I have hidden some of the facts of my situation. I've corrected that and I hope from now on to give you the right numbers for all this.

 

This really hasn't been a good week for me financially yet this disclosure has helped. Thanks to all those who write in with their comments and their tough love for me. I really appreciate it.

 

Thanks