I have such a horror at this- also, admiration for the candid writing. I've always wondered if the cure for this might lie in learning how hard it is to earn a buck- for instance, taking a job as a restaurant dishwasher or a food waitress. I've one friend who also burned through a windfall, and another friend who started out as a waitress and is now worth millions, with multiple homes-- and so many problems. I think she was happier when she lived in a one-bedroom apartment over a pool hall.
Great comments and advice on here. Love to see an update to the post with what you did?
PS I think the loan's cost to me is under $50. So worth it to raise my credit score.
I agree with taking that 14K out of checking. yow! Put it to work! But instead of "spending" that money, I have another suggestion, and that is Put it to Work. My credit union (you're not still using a "bank," pls say you're not) wrote me a loan for which the collateral is my own money. I borrowed 2k because I had 2k in the bank. We moved that to its own account, then funded my savings account 2k. A credit union can do this for you for very little money; a regular bank's fees are too high. Then I have an automatic payment set up to pay the "loan" back. Every month's payment frees up available money in the secured account, and, Raises My Credit Score. This is my new favorite thing. I've no use for a credit card- I also like enjoy below my means. Which means if I want to buy myself an exceptional $20 steak at the butcher shop, I do it.
PS "Generic dry cat food"= nooooOOoo! You may not necessarily have to go all S/D. $ That food was invented back when other foods were just ghastly and full of allergens. While the low-end likely still is, the market's very different now. Iams was a good food for my cat. Try going to Petco and read some labels and when you find a brand that's working, stay with it. This alone may solve those problems, including the "stress!" I'm not a vet, but I did get a lot of education from working in a high-end pet food store during college.
@lobsterhug I think you did the right thing. Intestines+thread seems bad. Just remember without opposable thumbs, they combine paws with mouth to stop things for cat analysis. They've also got the Jacobson's organ in the roof of their mouth, which I've read enables them to "taste" scents (you still have a vestige; it's that tiny slit/bump you can feel with your tongue in the center of the roof of your mouth.) Pretty much everything you own will be subject to Cat Analysis and tasted. It's like having a permanent toddler. I hope you and your kitteh have a long and happy journey together!
There's a pet hospital in LA (Studio City) that opens when regular vets close, so, open all night. I got very acquainted with them as my furboy loved to eat the flies out of spiderwebs! He'd get so weirdly dehydrated, the surface of his eyeball would go Flat. That trip was 300 bucks a pop, and we went several times. The vet said my furboy was doing it to get high off the spider venom, but he was still poisoned.
I go to a haircutting school for mine and it's between 12 and 17 dollars depending on how far the student is into the program. I love all the attention and fussing over ME and the haircuts have been great and you can tip 10 bucks and feel like a boss.
I'm curious about the woman I saw who had a calf-size, multicolor Tweety bird on her calf. I'd like her to check in with me and see how that works out.