topic Re: Dreams about credit. in General Credit Topics

Dreams about credit.

Anonymous — Sun, 30 Mar 2008 18:40:19 GMT

Since I've found this forum I find I think about my credit and scores all day long. It can at times get very stressful. If I only understood the way credit scoring worked all along I don't think I would of let things go in the past like I have. I got stuck in the thinking that my credit already sucks so why worry about it. Wow, now I know that was the worse way of thinking I could of had. Now my stress has followed me to bed as well. I'm now even dreaming about bills and credit. Anyone else having the stress of their credit issues haunting your dreams?

Re: Dreams about credit.

Anonymous — Sun, 30 Mar 2008 18:43:20 GMT

they're called late-mares

Re: Dreams about credit.

Anonymous — Sun, 30 Mar 2008 18:53:57 GMT

moodringgrl wrote:

Since I've found this forum I find I think about my credit and scores all day long. It can at times get very stressful. If I only understood the way credit scoring worked all along I don't think I would of let things go in the past like I have. I got stuck in the thinking that my credit already sucks so why worry about it. Wow, now I know that was the worse way of thinking I could of had. Now my stress has followed me to bed as well. I'm now even dreaming about bills and credit. Anyone else having the stress of their credit issues haunting your dreams?

Yep, see my post from a couple months ago about my Target-mare.

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&message.id=43108

Re: Dreams about credit.

Anonymous — Mon, 31 Mar 2008 00:51:10 GMT

Yes moodring, welcome to the club! I have fico dreams all the time and it does get a little stressful. I am better now that my collection is gone but I now I have "latemares" about missing a cc payment. That's when xanax comes in handy

Re: Dreams about credit.

Anonymous — Mon, 31 Mar 2008 00:51:40 GMT

LOL! Too funny!

Re: Dreams about credit.

Anonymous — Mon, 31 Mar 2008 00:56:01 GMT

I have gotten up in the middle of the night to check & be sure that I paid something on time. I almost fell down the stairs running.

I try now NOT to check all CC everyday. I think Im down to 2 or 3 times a week! But when DH ask me how much we have in the bank lmao I have to look!

Re: Dreams about credit.

Anonymous — Mon, 31 Mar 2008 01:00:55 GMT

I'm actually having BETTER dreams since finding this site!!

I used to have "latemares" like Happy Days & I would obsessively check & re-check my bank account & bill accounts to make sure the money had actually gotten there...

Now that I've found this site, I feel so much more empowered that I CAN and WILL be a credit goddess!

But on nights that I can't sleep simply because I'm composing GW and DV letters in my head, and listing the billion letters to write & credit reports to check, I take some OTC melatonin & Sleepy Time Tea

...and occasionally a xanax

Re: Dreams about credit.

Anonymous — Mon, 31 Mar 2008 01:08:17 GMT

The ability to sleep better at night is one of the great rewards of getting your financial life straightened out.

When you get to the point in the future, and you will, where you have a very low DTI, no collection agencies calling you, you're basically debt free (except to the useful extent you want yourself to be), and you have 8 months of living expenses set up in your emergency fund, not only will you sleep better, but you'll feel better and be more confident, too.

Debt is a form of legalized slavery. One you are free, you will feel stronger and resolved never to return to a state of peonage again.

Re: Dreams about credit.

Anonymous — Mon, 31 Mar 2008 02:03:34 GMT

watchnerd wrote:
The ability to sleep better at night is one of the great rewards of getting your financial life straightened out.

When you get to the point in the future, and you will, where you have a very low DTI, no collection agencies calling you, you're basically debt free (except to the useful extent you want yourself to be), and you have 8 months of living expenses set up in your emergency fund, not only will you sleep better, but you'll feel better and be more confident, too.

Debt is a form of legalized slavery. One you are free, you will feel stronger and resolved never to return to a state of peonage again.

Why do you assume that those posting on this thread aren't where they want to be financially?

I don't think anyone here said anything about collection agencies calling or drowning in debt.

To the contrary, from what I gather from the prior posts, most on this thread seem to have learned their lessons from mistakes in the past, and are obsessive about not doing anything to end up in that situation ever again.

Message Edited by cheddar on 03-30-2008 10:03 PM

Re: Dreams about credit.

haulingthescoreup — Mon, 31 Mar 2008 02:12:23 GMT

I dream about posting...

Re: Dreams about credit.

Anonymous — Mon, 31 Mar 2008 02:17:10 GMT

Thank you cheddar i was sitting on my hands

Re: Dreams about credit.

Anonymous — Mon, 31 Mar 2008 02:24:36 GMT

HappyDays wrote:

Thank you cheddar i was sitting on my hands

Why? It needed to be said!

Re: Dreams about credit.

Anonymous — Mon, 31 Mar 2008 02:30:43 GMT

Right on, cheddar. Just what I was thinking but didn't want to write.

Re: Dreams about credit.

Anonymous — Mon, 31 Mar 2008 02:34:42 GMT

I sat on my hands because I wanted to get the wording better!

Re: Dreams about credit.

bott6698 — Mon, 31 Mar 2008 03:09:59 GMT

i am dreaming about the new dodge challenger coming out this summer and being able to get my fico up so i can get a great interest rate. dti is currently under 20% so i am good to go hehe.

for those of you who haven't seen check this out.

www.dodge.com/challenger

Re: Dreams about credit.

Anonymous — Mon, 31 Mar 2008 04:18:43 GMT

@Anonymous wrote:

@Anonymous wrote:
The ability to sleep better at night is one of the great rewards of getting your financial life straightened out.

When you get to the point in the future, and you will, where you have a very low DTI, no collection agencies calling you, you're basically debt free (except to the useful extent you want yourself to be), and you have 8 months of living expenses set up in your emergency fund, not only will you sleep better, but you'll feel better and be more confident, too.

Debt is a form of legalized slavery. One you are free, you will feel stronger and resolved never to return to a state of peonage again.

Why do you assume that those posting on this thread aren't where they want to be financially?

I don't think anyone here said anything about collection agencies calling or drowning in debt.

To the contrary, from what I gather from the prior posts, most on this thread seem to have learned their lessons from mistakes in the past, and are obsessive about not doing anything to end up in that situation ever again.

Message Edited by cheddar on 03-30-2008 10:03 PM

cheddar,

I wasn't addressing anyone in particular, just stating some truths as I see them.

The OP expressed stress about credit that is keeping her awake at night. That's not a happy place to be, whatever the cause.

I stand by what I said -- improved financial security can lead to an improved emotional state.

Are you going to dispute that?

Re: Dreams about credit.

Anonymous — Mon, 31 Mar 2008 11:05:34 GMT

watchnerd wrote:
The ability to sleep better at night is one of the great rewards of getting your financial life straightened out.

When you get to the point in the future, and you will, where you have a very low DTI, no collection agencies calling you, you're basically debt free (except to the useful extent you want yourself to be), and you have 8 months of living expenses set up in your emergency fund, not only will you sleep better, but you'll feel better and be more confident, too.

Debt is a form of legalized slavery. One you are free, you will feel stronger and resolved never to return to a state of peonage again.

HI watch, I think most of us here are not in debt and do not have collection agencies calling us, we are just fico obsessed I just don't trust billpay and I have to check my online statements everyday to be sure all the money is where it needs to be on time. That is why I don't sleep well sometimes. I do agree with you one one point: once you are free you will feel stronger. This is true. I feel much stronger that I pif every month and do not owe anyone. That is a great feeling.

Re: Dreams about credit.

Anonymous — Mon, 31 Mar 2008 11:06:06 GMT

haulingthescoreup wrote:
I dream about posting...

You need help pumpkin!

Re: Dreams about credit.

Anonymous — Mon, 31 Mar 2008 13:09:34 GMT

Yeah. Great credit doesn't usually keep people up at night. LOL

speaking from experience from both sides of the fence.

@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:
The ability to sleep better at night is one of the great rewards of getting your financial life straightened out.

When you get to the point in the future, and you will, where you have a very low DTI, no collection agencies calling you, you're basically debt free (except to the useful extent you want yourself to be), and you have 8 months of living expenses set up in your emergency fund, not only will you sleep better, but you'll feel better and be more confident, too.

Debt is a form of legalized slavery. One you are free, you will feel stronger and resolved never to return to a state of peonage again.

Why do you assume that those posting on this thread aren't where they want to be financially?

I don't think anyone here said anything about collection agencies calling or drowning in debt.

To the contrary, from what I gather from the prior posts, most on this thread seem to have learned their lessons from mistakes in the past, and are obsessive about not doing anything to end up in that situation ever again.

Message Edited by cheddar on 03-30-2008 10:03 PM

cheddar,

I wasn't addressing anyone in particular, just stating some truths as I see them.

The OP expressed stress about credit that is keeping her awake at night. That's not a happy place to be, whatever the cause.

I stand by what I said -- improved financial security can lead to an improved emotional state.

Are you going to dispute that?

Re: Dreams about credit.

Anonymous — Mon, 31 Mar 2008 13:45:41 GMT

I have not had a LATEmare in a few months-

I used to do alot of credit/fico dreaming

Score is stable, $ is stable, bill pay is working great-

I leave MS Money up all the time- IT checks all the accounts daily.