I woke up yesterday with a dry throat, now you know waking up with a dry throat is never, ever, a good sign.
But we made it to our Debt Consolidation appointment on time. We went with MMI, we read a lot of good things about them and people were directing us to them and lucky they have an office in the same city as our school, so yay for being able to talk to someone face-to-face (which is what I wanted). The lady who helped us, pulled up our credit reports for the both of us and asked us a few questions. All together, our debt is a little over $26,000. I thought it would be more than that, I thought my debt alone would be that much. But hearing that our joined debt that was that much was a relief! I had prepared myself for much worse! She kept mentioning that we should file for bankruptcy because we’re “young” and we “have a lot of time” but the thing with me and bankruptcy is that it stays on your record for ten years. And there have been horror stories about people who, even after ten years of filing were still declined for things like a home and a car because they’ve filed for bankruptcy before, period.
So if we were to go with the money management program, we’re looking at paying a little bit over $600/month for the next 51 months. I haven’t added the calculations up just yet, but I will in a bit. But either way, that’s way less than what we’re paying per month now and we can’t rack up any more APR than we already have. I don’t see a downside to this. And on top of that, my credit cards will be frozen (even though I don’t like this idea, I know in the end, it will be good for me) and I’ll be unable to use them. I say we should do it, Martin however wants to file for bankruptcy. Seriously, what is it with men and not looking at the bigger picture. If anything is pissing me off about him lately its his no-this-is-a-better-idea when it’s NOT because HE hasn’t researched any of it!
Anyway.
He also had the bright idea to nap in the car before our orientation/workshop for school. And what happened? We ended up being late and he somehow got lost even though we were only a block away from school. THINK. Goodness!
The workshop was helpful, I mean… it wasn’t rocket science but it was pretty informative and indeed helpful. I love how most of the staff are actually students at the school, that makes me feel more at ease. We filled out and submitted our first assignment via student website and we printed out our syllabus (which was like, 17 pages long) and our first chapter of reading (which was like 23 pages long). Free printing, hell yes!
I’m pretty excited about this, I’m excited to finally get my GE done! I’m debating between Marketing or Web Design now, but I think I’ll stick with Marketing. School starts on Monday and I’m nervous but excited! Nervous because I don’t know how this whole “working teams” thing will work, I’m not good with working in teams. I like working alone. But I guess this is a great way to network. Me and Martin are just hoping that we’ll end up on the same working team.
So last night while we were in workshop, my nose was running. Like, non-stop and I was sneezing. Not that allergies-sneezing but that crap I’m sick sneezing. But it didn’t fully hit me til we were driving home. Thank goodness. I was thinking of taking some NyQuil before bed last night but I didn’t think I was sick enough to take it. So I didn’t. My nose and my left eye were running, all night long. It was horrible! I actually went to sleep a little passed midnight, which is 3 hours earlier than usual! I would had loved to curl up and fall asleep reading a book, but my OCD wasn’t permitting last night! Hopefully tonight, though I don’t want to read 3 books at the same time. We’ll see though.
I woke up this morning feeling even worse. I was congested, sniffling, throat was still dry and icky, I’m feeling a bit warm and getting some chills. I took a nap about 2hrs ago, I can’t decide if it made me feel better or worse! Goodness, and now I’m coughing! Ugh, I’d love some loving husband hugs and kisses right now. Who needs medicine when you can have loving hugs and kisses?!
It just sucks when I’m sick, husband cant be here. I’d rather be in the comfort of my own room – alone. And because of my OCD, he can’t be in my room. At all, right now. I was actually planning on cleaning my room this weekend before I had gotten sick, so now, its being pushed back, again. We could just chill downstairs, but I’d rather not because my parents are always down there talking and making noise and when I’m sick, I just don’t want to deal with that. My dad has been going crazy with his OCD tendencies lately and it’s been driving me nuts.
This is why I wish we lived on our own. Somewhere quiet, comfortable and somewhere I can be sick and have him be around. Without being bothered, without the random noise! I hate that we’re 24 and we still live at home. We’re married, 24 and still live separately with our own parents. I hate this, I hate this so much.
