Let's be honest here. I love living the country life. I love having chickens and using a clothes line and having a yard full of dog shit with no HOA to come after my country ass, but that does not mean that I must live in a trailer.
Apparently, "trailer" is no longer a PC term. When ever I tell people I live in one the first thing they say is something along the lines of "There is nothing wrong with living in a mobile home." So saying that my house could trail behind a truck is trashy, but actually having the word "mobile", meaning movable, in the title is better. Gee thanks for reminding me that my house has a hitch. Snails have mobile homes. Not people
Hubbs and I have been careful to never incur debt. We hate owing people money, but my trailer/mobile home/ Fuckin' big ass camper is falling to bits. We have put tons of money into the place and it is still rotting faster than we can repair. Time to buy a house.
We already have the land, septic, electric and water on site so the plan is to build! Should be easy right???
NO!! You are wrong. It seems that the less debt you owe , the less credit you get. In fact, if you go your entire adult life, paying your bills, saving your cash, never living beyond you means and being the perfect example of conservatism, you are rewarded with a big fat "Fuck You!" when applying for any credit. No no no!
Well, we needed a car in a bad way. We found a loan shark willing to give us a shot but my father- in-law came to the rescue in a big way an co-signed for the hubbs so now he can spend the next year building credit. And we got to go to a real bank, a Loan Tuna, if you will. I , however , got left out in the mud on this level. Shit
You see, I have student loans and hospital bills. This toxic combination apparently gives me a credit score anywhere from 605 (boo) to 640 (Meh) depending on which agency is reporting. They tell me the ideal is 700, but I can't get there unless I get credit.
I have spent the last week applying for every credit card I could see. All said no except a few who said they would exchange $200 credit for $200 cash...DOH? Hey, I'll give you 100 pennies for that dollar. 100 is better than 1! Glad you are following me on this.
Well I got the call yesterday for something I never thought would happen. Wal*Mart, of all the places , is giving me a REAL, honest to God, credit card. I'm not a huge fan of Wal*Mart, but in some really weird twist is appears that Wal*Mart is going to give me the biggest help I could ever get, by giving me the chance to own my own home. Not everyone can say that.
Even thought I am not a fan of Wal*Mart, I guess I will need it very soon. I'll need that credit card while furnishing my new house :D
