Heading back to work today

I go back to work today. Luckily, our company goes into the office once a week. It's not Monday, so I'm happy.

I will admit that it was nice working a single day between December 13 and now. I will miss sleeping in and focusing on getting better health-wise.

I am down to a mild cough. I also find that I get tired faster. I'm not sure if it's because I have been indulging in carbs over the holidays or if it's a symptom of coughing up a lung.

If you are heading back to work this week, I wish you an easy transition. I am now trying to figure out when I should take my next vacation!

Happy 2025!

Happy 2025, everyone! I hope that it's a joyous, healthy, properous, and memorable year for you.

Earlier today, I got a text message from my ex, wishing me a happy new year. His text is likely due to my reaching out to him last month because I didn't have the funds to check in to a hotel.

He asked me a day later if I had called him. It was disappointing that it took him a day to respond. I felt like it reinforced one reason why I don't want him in my life. He was never there for me when I needed him to be.

I have been on the fence about responding to his text. I decided not to. My reaching out was out of urgency. I don't want him in my life and my calling him wasn't an invitation to start a text chat.

Check your credit score

Back in October, I applied for a loan with Spring Financial. I didn't get the approval, which was eye-opening. I was also thankful that I didn't. I ended up getting a consumer proposal and focusing on fixing my finances.

Spring Financial recommended that I go with its plan of taking out a tradeline. It is kind of a loan, except that you pay a monthly fee to have this company report good things to Canada's two credit bureaus about your credit history.

I remember getting digital forms from Spring Financial. I declined signing them. I felt that this tradeline was a waste of money. I'd rather get a secured credit card and have that credit card company report my progress to the credit bureaus without paying a fee.

I went on Spring Financial's site and chatted with someone. I asked whether not signing would confirm that I didn't want the loan. The person said yes.

I had a feeling that it wasn't the case. Sure enough, I looked at my credit report that I get through Credit Karma. It's free, which is why I like it.

Spring Financial created a tradeline account for me on October 11. It reported that I was late with my payments for both November and December.

What?

First, I don't have a loan with this company. I never signed any paperwork. Second, it claims that I have a $5000 loan. I don't. Funds were never deposited into my account. Third, I missed payments for two months. I didn't know that I needed to because I don't have a loan.

A couple of days ago, I went back on Spring's chat. I got disconnected the first time. I got the same representative the second time. I wanted this alleged loan closed. I also wanted this company to fix the erroneous credit reporting to both bureaus.

Well, I got a response from Spring Financial yesterday:

We are reaching out to notify you of an issue we have identified regarding a tradeline created on your credit bureau from Spring Financial.

When you applied with Spring Financial, an account was created under your name; however, due to an error, the file submitted to the credit bureaus included inactive accounts. We have since corrected this and will be sending a revised file to the credit bureaus, informing them of the error. We have directly contacted both Equifax and TransUnion with an urgent request to address this matter promptly, however we have been informed that the update can take up to 30-60 days to reflect on each respective credit report.

We sincerely apologize for this oversight and want to assure you that once the incorrect tradeline is removed, it will have no adverse impact on your credit report or history.

We appreciate your patience as we work to resolve this matter. If you have any additional questions or concerns, please don't hesitate to reach out to us directly.

Thank you,

Customer Service

The wording is poor. I identified Spring Financial's issue that directly affects me. I had to tell you about it so that you could investigate it further. Let's be clear. Had I not reported it, Spring Financial would be ruining my credit rating and other people's credit ratings.

I'll be watching my credit score and report like a hawk to make sure that this issue is fixed. Otherwise, I have no problem following up with Spring Financial. It should not be erroneously reporting to credit bureaus when I don't have any products from this company.

I recommend checking your credit score. You don't want a company ruining your score because it is erroneously reporting details to credit bureaus.

In a credit card bind and having to reach out to my ex

A couple of Thursdays ago, I drove up from the Twin Cities to Winnipeg. There was a snowstorm with reduced visibility. I managed to get to Winnipeg safely.

I had a problem checking into my hotel. I had a one-night stay before flying home on Friday. I also booked a hotel near Toronto Pearson International Airport in case I was too tired to drive home. My flight would get in late that night.

At the hotel in Winnipeg, my credit card was declined. I didn't understand why as I had just used it all day for fuel, food, and more. 

I didn't have a backup credit card. My other credit card was in the mail. Canada Post was on strike. The strike is over, but it will take some time to get it.

I had to find someone to bail me out. It was 9:30 pm Central time. It was 10:30 pm Eastern to figure out who could help me out at this time of night.

I did something that I didn't want to do. I texted and called my ex. Naturally, he didn't pick up or respond.

He did text me over 24 hours later. I said that it was urgent. He didn't respond, so I moved on. All I got from that text exchange was a thumbs-up reaction from him.

He was too late. The usual.

It reinforced the fact that he has never been there for me when I needed him. I managed to find a friend who was willing to e-transfer $400 to me.

The hotel room was just over $200 a night. I needed to supply a security deposit, which I felt was ridiculous being almost twice the amount of my hotel room.

I checked out the following day. I immediately sent an e-transfer to my friend for the security deposit. Today, I sent the remaining funds that I owed to her for the room rate.

I am thankful that I have friends who are kind and trusting. I am truly grateful for their help.

It turns out that the hotel by the airport prematurely charged my room and deposit to my card. It explains why I couldn't check in at the hotel in Winnipeg.

I cancelled my reservation at the hotel by the airport. The funds were released. I wasn't impressed by this premature charging move.

What I should have done was to prepay for my hotel in Winnipeg. It would have guaranteed my stay without the hotel in Toronto getting to my card first with a premature hold.

I hope that I never have to reach out to my ex. I expected that he wouldn't jump at helping me. Sadly, I was correct.

Merry Christmas and more!

Hi, there! It has been a while. I hope that you are well.

I'd like to wish you a happy Christmas with family and loved ones, if you celebrate it. This year will be the first time in years in which I am not cooking a turkey dinner. 

I just came back from a week in the Twin Cities and Winnipeg. I ended up catching a nasty cold. I have been sleeping it off for days. Right now, I feel the most energetic in days. I still have a phlegmy cough. At least I am on the mend and don't have to go back to work until the second week of January.

I was too weak and sick to hit the grocery store. I'm fine with soup and items that I have at home. It's just not a full-blown turkey dinner that I typically make for my parents and me.

On Christmas eve, I had a financial counselling appointment pertaining to my consumer proposal. The Teams link didn't work. I sat there waiting to be admitted. I cancelled the call, which prompted the woman to say that we could do it over the phone.

I have a lot of thoughts about my consumer proposal. I am happy with it on the whole. The firm preparing those who are going through one for the first time needs to provide more support.

I hope to write more here. It has been a challenge trying to focus when my blog has changed its original purpose. It will be about whatever I am experiencing in my life. I haven't thought about spanking in ages.

Consumer proposal for debt and bank account change

I have been swimming in debt for a while. It felt like I wasn't progressing with the high interest that I was paying on my credit cards and loans.

I decided to get help. I'm currently in the process of getting a consumer proposal. It's a government program that involves repaying a portion of your debt. A licensed Insolvency Trustee negotiates with creditors on how much you need to repay.

This proposal consolidates the debt into manageable payments. It freezes debt interest charges. It also reduces stress.

The catch is that I needed to change banks. I can't have a credit card that is a part of this proposal with a bank account that gets my pay directly deposited. When this proposal is approved, sometimes credit card companies will take money from your chequing account to pay off the credit card before it is communicated that the proposal is official.

I had to change where my paycheque would be directly deposited. The change was straightforward through our Dayforce site. 

I was a bit stressed out that I did this change on Thanksgiving Day and it was immediately approved. I didn't know when the change would kick in. Would it be seamless or would I get a cheque mailed to me?

Well, all that stress went away. My pay was deposited last night, which was early. My payday is officially on Thursday. Bi-weekly.

I'm relieved!

I asked about how long it will take for my consumer proposal to be official. I got 1.5 weeks at least. I'm approaching one week on Friday. We had Thanksgiving Day, so I need to take that day out in my calculation.

Finding my best friend from grade 7 and debating whether to contact her

I don't write as much as I used to here. It's partly life. It's partly because I am not in an intimate relationship.

I have topics to write about. I haven't prioritized posting them.

I do have some news to share. It's good news. I'm just not sure if I should take the bold step and reach out, or let the past stay in the past.

In grade 7, I was best friends with a person. I'll call her Candy. She was awesome, except that she was teased whenever someone would tap her on the shoulder or give her a hug.

I don't think we ever hugged. I didn't want to trigger anything. I never asked why she was so sensitive. I figured it out in grade 8.

We were in extended French class. We had an exercise to reveal a secret by writing it on a piece of paper. It would then be placed in a jar. Each one of us would fish out an entry, read it, and figure out who it was.

Candy asked how to say abuse in French. It caught my attention. It also caught the attention of two of our classmates.

We reported it to our French teacher. She spent a lot of time talking to counsellors after she shared what had happened to her. Our friendship started to change, well into grades 9 and 10.

She became a feminist. She didn't like eating lunch with our usual friends in the cafeteria. She preferred to eat lunch in the washroom.

We used to walk up to school and home together. All that stopped.

She changed high schools. We drifted apart. We saw each other a couple of times in Toronto. Once was when we were in grade 12. The last time was when I was in my second year of undergraduate studies. We met in a store on Yonge Street. She called my name. I said hi. That was it.

I have thought about her often over the years. I'd try searching for her online. Nothing.

I gave it a try today. Somehow, my persistence worked. It also helped that she openly stated her birthday on her Web site, right down to the year. I looked at her birthmark on her forehead and immediately knew that it was her.

She is definitely more verbally articulate than she used to be. She is far more open about being abused and her past. I didn't realize that she automatically grew up in a cult and ran away from home shortly after she changed school.

She changed her last name after she ran away from home. It explains one reason why I had a tough time finding her.

I'd like to contact her and say hi. I don't know whether that's a good idea. The abuse that she endured happened while we were best friends. She couldn't tell me anything because her abusers threatened to kill her, which is understandable.

Part of me wants to because I care that she's alive and seems to be doing well. Part of me thinks that if I do reach out, I will be resurrecting the horrible abuse flashbacks that was happening. 

I would like to think that our friendship was maybe an escape from this abuse. I just don't know.

I will sit on it and think some more. I am happy that she's doing great. She seems healthy. She is an author and an artist.