On And Here Is Your Open Thread

@bgprincipessa Who needs a soy-based vegetarian alternative when you can have carrot dogs?! http://fatfreevegan.com/blog/2012/04/10/easy-and-healthy-carrot-dogs/

Posted on July 3, 2014 at 3:00 pm 0

On Do the 1 Thing

My one thing is to pay my estimated income taxes 3 days late (totally spaced that there was a june one? Didn't they just take all of my money in April??) Speaking of which, anyone know how to get out of paying the federal/state (NC) penalty?

Posted on June 19, 2014 at 12:50 pm 0

On Tell Me The Truth About Debt Consolidation

I consolidated my debt when I was in college (~15k in credit cards.. mostly for living epenses instead of taking more school loans, also a car, also a nice bike and an ill-advised Anthropologie coat that soon fell apart). The first place that I used was not related to a bank. I forget what the "non-profit debt consolidation agency" was called, but a nice man told me over the phone that I could pay off my debt in 4 years, and he promised that it wouldn't hurt my credit score. I began sending this agency $240/month which they then sent to Chase. This worked well for 2/3 of my cards, but for some reason, payments weren't being made to the 3rd card. Chase called me every morning at 7:30am to ask why I wasn't making payments. I tried to get ahold of the non-profit debt agency, but it was almost impossible to get an employee on the phone. It took 3 months to get this 3rd card sorted out, and by the time I did my credit score had plummeted. Things were okay for about 6 months after that, but then the non-profit debt consolidation agency stopped making payments to chase altogether. I still couldn't get ahold of them. My credit score fell further. I started looking up information online and found that the company had apparently gone under and screwed over a lot of people. It took me like 2 years to get my $480 back, but that was little consolation when I had a credit score hovering around 500. After that company went out of business, Chase called me to try and get some of their money back. The guy on the phone seemed surprised that I would use an outside agency when Chase can take care of it. I started sending the payments directly to them with a 6% interest rate. I can't use the cards anymore, but now that my score has improved, I've been able to get a few rewards cards with them without any problem. They have worked with me to adjust the payment schedule and allowed me to miss a payment when I absolutely had to (you just can't miss 2 in a row or like 6 in a 12 month period or something) overall it has been a very positive experience, and I actually suggest it to a lot of people.

Posted on June 5, 2014 at 3:57 pm 1

On What You Could Do With Your Money In Another City

Can't recommend Asheville enough! It's a beautiful area, the food is awesome, and my rent is $250 :)

Posted on May 21, 2014 at 1:23 pm 0

On I Don't Own a Microwave, AMA

@moreadventurous this pea recipe, though

Posted on May 19, 2014 at 5:44 pm 0

On Simplifying Student Loan Payments

@honey cowl no checks over here (mostly because I barely know how mail works). But I also feel uncomfortable with auto-pay. It's not that I don't think I'll have the money, I just need the control.

Posted on March 24, 2014 at 3:35 pm 1

On A Chat With a Woman Fielding Four Job Offers (Our Hero)

Maggie, first off, congratulations on your hard work paying off! I really enjoyed reading this, and I am sure you're going to make a good decision (it doesn't really sound like you can go wrong!). I was wondering if there was any way that I could message you privately about your career path so far and maybe some questions about some of the pertinent skills involved? I'm actually interested in transitioning into healthcare analytics (currently ancillary patient care), but I haven't had much luck with finding entry level positions. I would appreciate it so much.

Posted on February 21, 2014 at 8:30 pm 0

On The Value of 'Free' Work

Finally someone who appreciates Belgo as much as I do!

Posted on February 13, 2014 at 1:36 pm 0

On Things I Bought That I Didn't Use

@@amandagreen I don't live in NYC but I would probably buy them if you were A.)serious and B.)willing to put up with the hassle of shipping them. And maybe if you were to sweeten the deal with the dinosaur sandwich crust cutter, haha.

Posted on January 29, 2014 at 12:46 pm 0

On Repairing Your Credit: A Huge Pain

@WayDownSouth if you have credit cards at different banks, it could be easy to forget to update your address at one of them, especially if you dont use that card anymore. And the post office forwards mail for like a year and then they don't anymore. Stuff can fall through the cracks.."appalled" is such a strong word.

Posted on December 18, 2013 at 8:33 pm 3