Hell has certainly frozen over. Talk about making changes in 2010. I just finished sending my dad all of my credit card user names and passwords. My life is officially an open book. I actually feel pretty heartbroken and like a complete failure for having to do so. What was the prompt? It turns out that my Visa company lowered my credit limit by over $2000! When I found out I instantly burst into tears not because I needed to buy something, but because it is symptomatic of the current state of my finances and lets face it, my life. BAD. Talk about feeling worthless.
In MN I actually managed pretty fine, but it turns out that moving to Chicago is expensive (and I didn't even pay for it). What has happened is that I now pay more than $200 more a month in rent, I stupidly joined a contract gym, I have to pay for all of the utilities and Internet on my own, I have taken several trips back to MN to save my sanity, and of course the wonderful car + insurance payments and student loans. Gas, food, and tax are all more expensive here. Ultimately, what has killed me is that I never learned how to manage my finances in MN and so I was ill prepared to make any lifestyle adjustments out here and it is killing me. Believe it or not, I have cut down on my spending in the wardrobe dept, I really feel like my work wardrobe is down to rags and I can't even afford a new coat which I desperately need.
So there you have it, in tears I humbly called my Dad (who has been aching to see my finances for years) and asked for help. He was very kind and promised not to get mad as he reviews my situation. He HATES to see credit card companies getting richer and is happy to lend me his interest rate and take the tax credit. I am really lucky to have such a great dad, and I am really lucky to be employed.
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