I have to let out this huge sigh of relief now. I am finally done with my first semester. I don't want to brag, but I managed to get a 4.0 with 4 classes, a full time job, 3 kids, and managing to do >most< of my recreational stuff in between. For a while I didn't think that I was going to make it.
I have not posted in a while because I had finals that I was cramming for. Thank you so much to all of you who have sent your love, support, wishes and prayers.
I love my new position at work. Not only do I feel like I am making a difference, I can actually see that difference.
When I took the team it was the "worst team" according to the other team leads. I sucked up every piece of advice that I could and began my own system. A system that has worked very well for me, and for my employees.
Two of the reps that I had on my team were nearing the loss of their job because of performance reasons. These are reps that have been with my company for the better part of 3 or more years. Their issues had been identified as "will" issues, meaning that they had the skill and knowledge, but refused to apply it and follow the rules. I realized in my first week of working with them that it was not a will issue, but a skill issue. Even though they have been with the company for a long time, they really did not have the selling skills needed. I of course, made this my personal mission and for weeks now I have been working side by side with them, giving them feedback, encouragement, and the occasional scolding when needed. This week it all paid off when they both moved up the chart we use to measure their progress. I was thrilled; it gave me a very good feeling.
I know that I was going to quit smoking. That didn't happen. Why you might ask. Because I had too much stress with all that was going on around me. I am going to take the summer off though and now that classes are over I am going to go back on the patch.
In more boring news, Chris and I have been talking about buying a house. I am so excited. With the raise that I was given we are now going to be able to clean up our credit and I don't even think that it will require us to file bankruptcy. Just a question for some of you financial wizards out there, someone told me that after 7 years a debt has to be wiped clean from your credit report even if it wasn't paid, can anyone tell me if this is true or not, and does anyone know where I can get a free credit report?
All my life, the only thing I have ever longed to >own< is my own house. My parents have been married for almost 60 years and they both say that the biggest regret that they have is that they never owned their own home besides a trailer house. For me, it doesn't have to be fancy. I want a room for each of the kids, and one for me and Chris. A fenced yard and a big kitchen. We have been looking and it is not much more expensive to pay the mortgage then it is to pay the rent. God willing we will be able to do this in the next year or two.
Coming soon I am going to go back to posting about my childhood. I know a lot of you have been waiting for an update, and I'm sorry I've been so lax about it. I promise with school out you will see me posting a lot more frequently.
Here was a site that amused me a lot. Mind you this is not a real product and was meant as an April Fool's joke. Enjoy
http://www.thedarkspiral.com/craveco/
3 comments:
You asked: someone told me that after 7 years a debt has to be wiped clean from your credit report even if it wasn't paid, can anyone tell me if this is true or not
Yes, it's true. Be aware, though, that the date goes back to the last time you paid on that debt. In other words, if you stopped paying on a credit card in 2001, then paid it off in 2004, it will show it as paid, but it will show it as bad debt for 7 years past 2004, not 2001 when you first became late/defaulted.
So now you'll have to wait until 2011.
It's unfortunate that they have it set up that way, because when I had trouble with my credit when I first separated from my husband, I wanted to make good on the debt years later when I was doing better. But I didn't dare do that because although it was the "right" thing to do, it would have stayed on my credit history much longer.
So...make your choices wisely. If you defaulted on something years ago, it might be best to just leave it that way and not pay it off at all and let it drop off your credit report.
Also, be aware that they know this and they will often call you in the last year before your credit history will be cleared in a last ditch attempt to try and get money from you. They will say that they will accept half or even a quarter of the entire debt.
However, that means the bad record will stay on your credit history for seven years after the last time there was any activity on it and no longer from the date you stopped paying anything at all.
Good luck with the house, Nikki! :-)
Wow..that is great news...great job on your classes..great that you like your new position...and such an exciting time to be preparing for a house. It is good news that classes are over and you can have some more time free. You are still in my prayers. ~D
Thank you all for the advice. I feel like a huge weight has been lifted up off of my shoulders. I still have some work to do to get them to take it off, but it is a place for me to start.
D.. I'm so glad to see you're still around. Thank you for the prayers.
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