And Just in Case That Wasn't Enough...

I probably should have posted this before my last post but yesterday I woke up and went to check my bank balance. It was -$84. Now I knew what payments should be coming out of my account and even if they had all been withdrawn that still would have left me about $30 for groceries. So I check the account history and realize that my student loan payment has been withdrawn. Now I applied for interest relief in January so I was under the assumption that I still had another 2 months before it would end... and then thought that I could apply one last time. So then I was scrambling to find the paperwork and discovered that no it really did end at the end of April.

First I had to scramble to try and get that covered. I knew I had a payment that should be coming out of my account today and did not want to bounce that. Would have cost me $50 in NSF fees for a $23 payment. Called the bank to see if they could do anything since I knew with a little creative financing that I could cover it by tonight but no... if I didn't have the money in the account that day then it would not go through. Fortunately dad was able to help me out and get that covered (Thanks Dad!!!!) Of course as you know from my last post that sigh of relief was pretty short lived.

But there are some pretty important implications from this. First it means that I am now $400 behind in payments since I had already taken off the automatic payments from the National Student Loans Centre after they practically bankrupted me when I should've been on interest relief a few years ago. The second important implication is that it means that my interest relief period is now done... no more.... Not sure how they expect to get blood from a stone since I just got laid off and can't even afford my bills as it is. And lastly, since I am now behind on a payment I can't even apply for any assistance, such as debt reduction. So I am pretty much screwed. Maybe I should change my number before the creditors start calling.

Needless to say it's been a pretty bad week on the financial front. I was going to say maybe I will get lucky and win the lottery but first I would have to play. So I guess that's not happening. I must say that I hate this recession. :(