Sandra C.'s Blog
March 8, 2022
The Credit Jokers
For most of my life I never cared to get a credit card. Everyone around me always insisted that I get one to simply boost my credit score. However, NO ONE wanted to cover the worst parts about having one and closing one. There are people who say to leave the credit card open and never use it. This does not boost your score, if it does, it is very slowly because you are not “showing” how well you spend and pay back enough. There are people who say only use it for major purchases that way you are paying off your purchase and not your credit card bill, per se. There are other apps like Affirm that is better than a credit card.
My wife and I decided to get a Capital One credit card. At first, I played with it. I had to learn. We went to the bar one time and Capital One declined it in front of everyone. They do not want you to spend money in a bar which tells me they can control any of my purchases. Hence the reason they send you an "approval" message after whatever you used the card for. If I am paying it back, why is it up to them where I spend the money? If at first it was their money, from first signing up, I spend it and pay it back with my own money which replaces "their money" then they should no longer have control over where I spend my money and should not be able to deny it especially when there is money to cover it on there. I can understand if the funds were getting ‘too’ low as if I were purchasing something for five dollars and I only had a dollar. That would be understandable. No, there were over a hundred on there and they declined it.
After that we decided to only use the card for strict emergencies. Before getting into this aspect of it, keep in mind that many would say that if we never had the credit card then we would not have had the money for whatever we were spending it on. When we were still “going without” because we have a lot of repairs on the house and our taxes and stimulus was always gone to paying off the credit cards and other debts when we could have used that for the repairs and been better off. Yes, of course it boosted our credit score because the balances were paid in full, but at what cost? That same money we were giving back to the credit card, just to turn around and use it again. We could have just used the money how it was.
So, we honestly thought about all this. We realized there was no point in keeping the credit cards, let alone any credit card. My wife is in school and working while I am a stay-at-home Writer, helping to raise our son. We, for the last time, used all our taxes this year (2022) to pay off all the credit cards and cancelled the accounts PAID IN FULL MIGHT I ADD!
My credit score was 660 and my wife’s was 750 something, and as soon as we cancelled them, our scores
D
R
O
P
P
E
D
Yep, they dropped our score, me down to 591 and my wife to 630 something. Now, of course I was ticked. We busted our asses and used all our money that could have been used to replace our stove, walls that have water damage, etc. just to have it plummet our credit score. If we were to go trade in the car for a bigger one, we would be punished with a higher down payment, etc. See how annoying and inconvenient this is.
We did not close the account on any outstanding balances. That was paid off in full. So why were we punished when there are millions of people who have had to go bankrupt to pay off credit cards and we paid ours all off in full and closed the account? Why is having a credit card the only way to “boost” your credit. ANYTHING paid in full whether it is closed or not should not change your credit in any way but a positive way.
Thinking about this on a much deeper level makes me question why have credit at all? Why is it important? Why do we need to have a credit check to get something we will have to pay for anyway? IF we knew we could not afford that car, why get the car?
As usual, its importance is to let these businesses, that you're setting up payment arrangements off the bat to pay for the damn merchandise, know how well you make payments. Are you an on-time client or are you going to be calling saying your low on cash and it will be late?
Thinking about this even more, if these businesses cared that much about my credit, then why do they ignore you when you tell them what you can afford? They push you to get the highest monthly payment because the more you pay, the more that business makes!! That is what their only concern is. They have no concern that you were homeless and had no car but got a job and now you're purchasing your first car working at a taco bueno. You tell them you can only afford 180 a month with no issue, they will push you to get a 300 a month loan and then wonder why you're calling to report an overdue payment. They might have thought that people would lie about what they can afford to get the cheaper payment. Unfortunately, my friend, is not your place or call. They care more about revenue than the ease of steady payments……. Mind blowing isn’t it.
Since I am opening these worms, let's open the maggots as well, which is every time you have a credit check done, it also goes on your credit. It can be negative. Just for checking it can lower your credit. Again, why have credit?
If there is no getting rid of it, then changes need to happen in these exact areas. All outcomes and processes need to be flipped. There would have been no reason to invent the Experian Credit Boost.
Therefore, it was invented when it all could have been AVOIDED.
For anyone out there with no knowledge of this, use precautions when getting a credit card. Make sure you read this and other things to help you decide. Not everyone out there has had experiences like this out there. But this is to let you know that we have experienced it and know this is wrong on all levels. They still say to stand up for what is wrong. Well, this was horribly wrong.
I did try to contact credit karma and of course nothing. Next will be calling the credit bureau to see about getting our points back.
Until then, think of all options before deciding. Do not allow these places to ruin your credit anymore.
My wife and I decided to get a Capital One credit card. At first, I played with it. I had to learn. We went to the bar one time and Capital One declined it in front of everyone. They do not want you to spend money in a bar which tells me they can control any of my purchases. Hence the reason they send you an "approval" message after whatever you used the card for. If I am paying it back, why is it up to them where I spend the money? If at first it was their money, from first signing up, I spend it and pay it back with my own money which replaces "their money" then they should no longer have control over where I spend my money and should not be able to deny it especially when there is money to cover it on there. I can understand if the funds were getting ‘too’ low as if I were purchasing something for five dollars and I only had a dollar. That would be understandable. No, there were over a hundred on there and they declined it.
After that we decided to only use the card for strict emergencies. Before getting into this aspect of it, keep in mind that many would say that if we never had the credit card then we would not have had the money for whatever we were spending it on. When we were still “going without” because we have a lot of repairs on the house and our taxes and stimulus was always gone to paying off the credit cards and other debts when we could have used that for the repairs and been better off. Yes, of course it boosted our credit score because the balances were paid in full, but at what cost? That same money we were giving back to the credit card, just to turn around and use it again. We could have just used the money how it was.
So, we honestly thought about all this. We realized there was no point in keeping the credit cards, let alone any credit card. My wife is in school and working while I am a stay-at-home Writer, helping to raise our son. We, for the last time, used all our taxes this year (2022) to pay off all the credit cards and cancelled the accounts PAID IN FULL MIGHT I ADD!
My credit score was 660 and my wife’s was 750 something, and as soon as we cancelled them, our scores
D
R
O
P
P
E
D
Yep, they dropped our score, me down to 591 and my wife to 630 something. Now, of course I was ticked. We busted our asses and used all our money that could have been used to replace our stove, walls that have water damage, etc. just to have it plummet our credit score. If we were to go trade in the car for a bigger one, we would be punished with a higher down payment, etc. See how annoying and inconvenient this is.
We did not close the account on any outstanding balances. That was paid off in full. So why were we punished when there are millions of people who have had to go bankrupt to pay off credit cards and we paid ours all off in full and closed the account? Why is having a credit card the only way to “boost” your credit. ANYTHING paid in full whether it is closed or not should not change your credit in any way but a positive way.
Thinking about this on a much deeper level makes me question why have credit at all? Why is it important? Why do we need to have a credit check to get something we will have to pay for anyway? IF we knew we could not afford that car, why get the car?
As usual, its importance is to let these businesses, that you're setting up payment arrangements off the bat to pay for the damn merchandise, know how well you make payments. Are you an on-time client or are you going to be calling saying your low on cash and it will be late?
Thinking about this even more, if these businesses cared that much about my credit, then why do they ignore you when you tell them what you can afford? They push you to get the highest monthly payment because the more you pay, the more that business makes!! That is what their only concern is. They have no concern that you were homeless and had no car but got a job and now you're purchasing your first car working at a taco bueno. You tell them you can only afford 180 a month with no issue, they will push you to get a 300 a month loan and then wonder why you're calling to report an overdue payment. They might have thought that people would lie about what they can afford to get the cheaper payment. Unfortunately, my friend, is not your place or call. They care more about revenue than the ease of steady payments……. Mind blowing isn’t it.
Since I am opening these worms, let's open the maggots as well, which is every time you have a credit check done, it also goes on your credit. It can be negative. Just for checking it can lower your credit. Again, why have credit?
If there is no getting rid of it, then changes need to happen in these exact areas. All outcomes and processes need to be flipped. There would have been no reason to invent the Experian Credit Boost.
Therefore, it was invented when it all could have been AVOIDED.
For anyone out there with no knowledge of this, use precautions when getting a credit card. Make sure you read this and other things to help you decide. Not everyone out there has had experiences like this out there. But this is to let you know that we have experienced it and know this is wrong on all levels. They still say to stand up for what is wrong. Well, this was horribly wrong.
I did try to contact credit karma and of course nothing. Next will be calling the credit bureau to see about getting our points back.
Until then, think of all options before deciding. Do not allow these places to ruin your credit anymore.
February 14, 2022
Valentine's Day
No one knows exactly how Valentine's Day started. I often question the mystery. I began my research on it. Found a ton of information from it originating as a Christian Feast Day to an imprisonment of Saint Valentine of Rome for ministering to Christians. Another myth to the story is that Saint Valentine restored a blind girl's sight. This girl was supposed to be the daughter of his jailer. Later, it was added to this mystery love story that Saint Valentine wrote a letter to this girl and signed it, Your Valentine before he was executed. There are even speculations that this day was for weddings of Christian soldiers who were forbidden to marry. According to this research, Valentine was executed on Valentine's Day. Isn't that sort of poetic? My mind wants to know more about bout the love story of Saint Valentine. What powers did he possess to restore sight to a blind girl? Who were his parents? My imagination begins to wonder, take off onto a mystery adventure.
I began wondering, how come this day is not recognized as a national holiday? This love story has been in Christianity, same as Christmas. So, why not Valentine's Day? Valentine had powers just like Christ. He was also executed. The powerful representations of their deaths differ. It could be this is where the story vs story originated. The ones death who was the most impactful, meaningful, and most sad is most important.
The curiosity takes over me. It makes more sense to me to agree that Saint Valentine’s story is the sole purpose of Valentine’s Day. Afterall, he did die on this exact day. To all reading, I hope you spend this day as if was your last day with your loved ones. Put yourself in the passionate, loving persona of Saint Valentine and love the day away.
Passion, love, care, feelings, or emotions can be described, shown in many ways, traditions. Use this lovely day to show your loved ones just how much they really mean to you. It is not a materialistic day. It doesn't even come close. To feel this amount of love and feeling the purpose behind it brings a powerful meaning of love and what it truly means to speak those words to someone.
So, I say, “Make this day count. Tomorrow is never promised. Even though we love each other every day, we must show our passion, or actions, to explain just how much we truly are committed to each other. Before, during, and after the good and the bad.”
Happy Valentine’s Day,
-Sandra C.
I began wondering, how come this day is not recognized as a national holiday? This love story has been in Christianity, same as Christmas. So, why not Valentine's Day? Valentine had powers just like Christ. He was also executed. The powerful representations of their deaths differ. It could be this is where the story vs story originated. The ones death who was the most impactful, meaningful, and most sad is most important.
The curiosity takes over me. It makes more sense to me to agree that Saint Valentine’s story is the sole purpose of Valentine’s Day. Afterall, he did die on this exact day. To all reading, I hope you spend this day as if was your last day with your loved ones. Put yourself in the passionate, loving persona of Saint Valentine and love the day away.
Passion, love, care, feelings, or emotions can be described, shown in many ways, traditions. Use this lovely day to show your loved ones just how much they really mean to you. It is not a materialistic day. It doesn't even come close. To feel this amount of love and feeling the purpose behind it brings a powerful meaning of love and what it truly means to speak those words to someone.
So, I say, “Make this day count. Tomorrow is never promised. Even though we love each other every day, we must show our passion, or actions, to explain just how much we truly are committed to each other. Before, during, and after the good and the bad.”
Happy Valentine’s Day,
-Sandra C.
January 27, 2022
Fear Out of Nowhere
When we begin our healing journey, we realize we need to heal from past traumas. All the way down to abandonment. But how can one have these qualities without experiencing a reason for it to happen? How does a child gain the fear of being alone when they are never alone? This is the problem I am facing with my son.
I am a stay-at-home mom, poet, and author. My son is never alone. He is always with me. So how did he come to gain the fear of being alone? Could it be that his spirit came with this fear from a past life? If so, how do I help him heal from something that is beyond our control?
If for some reason the fear came from the fact that he is never alone, and when he is he freaks out, then where did he get the fear of his moms never coming back?
See this is a curiosity that is still to be determined. Still to be figured out. As if I am an alien trying to figure out human fears.
If the connection between parent and child is that strong to arise a fear out of nowhere, I wonder if this is the same for some other fears. If so, how do we overcome? How do we prevent it? If there is no way to do so, then why are fears so bad?
I am a stay-at-home mom, poet, and author. My son is never alone. He is always with me. So how did he come to gain the fear of being alone? Could it be that his spirit came with this fear from a past life? If so, how do I help him heal from something that is beyond our control?
If for some reason the fear came from the fact that he is never alone, and when he is he freaks out, then where did he get the fear of his moms never coming back?
See this is a curiosity that is still to be determined. Still to be figured out. As if I am an alien trying to figure out human fears.
If the connection between parent and child is that strong to arise a fear out of nowhere, I wonder if this is the same for some other fears. If so, how do we overcome? How do we prevent it? If there is no way to do so, then why are fears so bad?
January 10, 2022
Divine, Feathered Inspiration
06/20/2021
Today started out normal. I went to the garage to check the washer. I wanted to see if the water was filling up because we've been having trouble with it for a while. I grabbed the flashlight on the shelf above the washer. I turned it on and sat the light on top of the see-through lid to watch the cycle. My wife was washing two bath rugs. She had them standing up against the wall on their sides. I giggled inside because she is a very silly person, and I know how she thinks and why she put them in there like that. I paused the washer, opened the lid, and rearranged the rugs where they laid face down. I restarted the washer.
My mind told me to go ahead and assume there were clothes in the dryer. Before opening the door, my mind thought it was wise to clean the lint from the lint trap first. I began pulling the trap, cleaning the lint, and returning it.
I was about to open the dryer door when my eyes looked at the dryer sheet box and noticed something on it. I thought it was lent. I picked it up while squinting my eyes, as if that were going to help identify it quicker. I wear glasses for sakes.
Once I picked it up and looked at it. I realized it wasn't lint at all. It was a small light gray feather. It was just hanging there by electricity. Like rubbing a balloon on your head and watching it stick. As if an energy field was holding it there for me to see at that exact moment.
My angels were right there with me. How else did the feather get there? We have never had any birds in our garage. We barely use it. Our dogs have not eaten a bird in over a year.
I know the thoughts that will run in other minds. I no longer care. I fully trust my angels over what anyone speaks or thinks. Don't forget, my friend. Those same thoughts went through mine during my spiritual awakening.
After I picked it up, I smiled so big. I got so excited that my arms jolted back and forth like, "Yes! I freaking love you all! Always coming through for me."
I was so excited that I had to go tell my wife. While holding the feather, I walked to our bedroom where my wife was putting our clean clothes up.
All I had to do was hold up the feather so she could see it. She is blind as a bat even with her contacts in, she still had to squint. That made me laugh even more.
"What's that?"
I walked closer to her
"Oo, where you get that at?"
"I found it just sitting there.... floating there.... on the side of the dryer sheet box."
"Bay let me find out that after I fixed the shower, the washer is actually washing with cold water instead of hot."
She smiled and smirked with her duck lips while pointing at me like she was saying, "MMhMM. that part." But in body language form.
I gave duck lips back returning body language in agreement. I gave her the feather and asked her to put it with all the other angel feathers I keep in a small satchel.
She got sidetracked while holding the feather in between her fingers. I have no idea how she never dropped it, as clumsy as she is. She is amazing in ways like that.
She handed me our son and the feather because she already forgot she was supposed to put it up for me.
I feel every time I have her touch one, she is that much closer to being close with her own angels.
I walked up to my altar full of glass angels of various kinds. From adult to child, and assorted colors. I have my Mr. Miyagi plant on the left. My sage bowl filled with mother nature's treasures and any money that has a double digit on it. I opened the drawer where my satchel was stored. I looked at our son and taught him what it was for. He smiled as if he knew exactly what I was talking about and watched me put them back in the drawer.
-S.L.C.
Today started out normal. I went to the garage to check the washer. I wanted to see if the water was filling up because we've been having trouble with it for a while. I grabbed the flashlight on the shelf above the washer. I turned it on and sat the light on top of the see-through lid to watch the cycle. My wife was washing two bath rugs. She had them standing up against the wall on their sides. I giggled inside because she is a very silly person, and I know how she thinks and why she put them in there like that. I paused the washer, opened the lid, and rearranged the rugs where they laid face down. I restarted the washer.
My mind told me to go ahead and assume there were clothes in the dryer. Before opening the door, my mind thought it was wise to clean the lint from the lint trap first. I began pulling the trap, cleaning the lint, and returning it.
I was about to open the dryer door when my eyes looked at the dryer sheet box and noticed something on it. I thought it was lent. I picked it up while squinting my eyes, as if that were going to help identify it quicker. I wear glasses for sakes.
Once I picked it up and looked at it. I realized it wasn't lint at all. It was a small light gray feather. It was just hanging there by electricity. Like rubbing a balloon on your head and watching it stick. As if an energy field was holding it there for me to see at that exact moment.
My angels were right there with me. How else did the feather get there? We have never had any birds in our garage. We barely use it. Our dogs have not eaten a bird in over a year.
I know the thoughts that will run in other minds. I no longer care. I fully trust my angels over what anyone speaks or thinks. Don't forget, my friend. Those same thoughts went through mine during my spiritual awakening.
After I picked it up, I smiled so big. I got so excited that my arms jolted back and forth like, "Yes! I freaking love you all! Always coming through for me."
I was so excited that I had to go tell my wife. While holding the feather, I walked to our bedroom where my wife was putting our clean clothes up.
All I had to do was hold up the feather so she could see it. She is blind as a bat even with her contacts in, she still had to squint. That made me laugh even more.
"What's that?"
I walked closer to her
"Oo, where you get that at?"
"I found it just sitting there.... floating there.... on the side of the dryer sheet box."
"Bay let me find out that after I fixed the shower, the washer is actually washing with cold water instead of hot."
She smiled and smirked with her duck lips while pointing at me like she was saying, "MMhMM. that part." But in body language form.
I gave duck lips back returning body language in agreement. I gave her the feather and asked her to put it with all the other angel feathers I keep in a small satchel.
She got sidetracked while holding the feather in between her fingers. I have no idea how she never dropped it, as clumsy as she is. She is amazing in ways like that.
She handed me our son and the feather because she already forgot she was supposed to put it up for me.
I feel every time I have her touch one, she is that much closer to being close with her own angels.
I walked up to my altar full of glass angels of various kinds. From adult to child, and assorted colors. I have my Mr. Miyagi plant on the left. My sage bowl filled with mother nature's treasures and any money that has a double digit on it. I opened the drawer where my satchel was stored. I looked at our son and taught him what it was for. He smiled as if he knew exactly what I was talking about and watched me put them back in the drawer.
-S.L.C.
January 8, 2022
Clouds Beaming
It's another day,
cloudy with a chance of rain.
Why are some cloudy days bright?
While others aren't.
Looking up at the sky wondering why,
when I can't even open my eyes.
Closing them, closing the door.
I can't look anymore.
No rain to wash away the rays.
Just clouds that won't go away.
What makes the light with no sun?
It's daytime, the moon is not making fun.
Any other cloudy day is easily shown.
Easily able to watch the clouds roam on a field of their own.
Different shades of gray that can make different shapes.
But today is not the same.
It's too bright when the sky is lit with rays.
-S.L.C.
cloudy with a chance of rain.
Why are some cloudy days bright?
While others aren't.
Looking up at the sky wondering why,
when I can't even open my eyes.
Closing them, closing the door.
I can't look anymore.
No rain to wash away the rays.
Just clouds that won't go away.
What makes the light with no sun?
It's daytime, the moon is not making fun.
Any other cloudy day is easily shown.
Easily able to watch the clouds roam on a field of their own.
Different shades of gray that can make different shapes.
But today is not the same.
It's too bright when the sky is lit with rays.
-S.L.C.
Sandra C.'s Blog
- Sandra C.'s profile
- 2 followers
Sandra C. isn't a Goodreads Author
(yet),
but they
do have a blog,
so here are some recent posts imported from
their feed.
