This year could have gone much worse than it did but I’m not going to lie and say that I never once thought to myself, “This sucks”. I’m human, of course I thought that. But maybe I was taking things for granted even when I thought I wasn’t.
Two years ago, after my five year relationship with a man I thought was ‘my one’ ended, I signed up for a consumer proposal. A consumer proposal is when you sk your creditors (through a Trustee) to waive a percentage of your debt. My debt wasn’t large1 but I was fed up of the cycle of paying my minimum balance only to need to use the credit I had just earned for things that I thought I needed. When you’re in a consumer proposal your credit rating is reduced to the same as it would be if you had declared bankruptcy2. After the 5 years are up, your credit rating rises two points3 during which you can apply for credit cards and slowly build your credit rating back up.
And so for the last two years I’ve been living without a credit card and it has been a fantastic4 and educational5 ride. But even though I’ve experienced small bouts of unemployment in the last year and a half, I’m so grateful that I signed up for the program. My bills are far lower than they would have been had I kept the credit cards6.
Even though my family and I haven’t been able to get wrapped up7 in the craziness of the season: buying gifts, hiding it from each other, wrapping it on the DL (you get the gist), I find myself looking forward to spending Christmas & Eve with them – probably playing board games and listening to Christmas music8.
Sure it would have been nice to drive down to Chicago to meet up with our family friends who will be down there, but spending time at home will be just as nice. I just think it’d be even nicer if it were all white outside when we do. So I’m dreaming of a white Christmas9…
- it was under $20k[↩]
- An R9[↩]
- to an R7[↩]
- only because I probably wouldn’t have been able to keep my balance low enough so as not to have such high monthly minimum payments[↩]
- no pun intended[↩]
- or maybe, hopefully ice skating in Nathan Philips Square[↩]
- and no, I don’t even care about the presents. I just want your presence[↩]