My resolution is to balance my checkbook and to pay down my credit cards. Everything worked well until the third week in January when a new model of a phone came out. I went to the cellphone store to buy it, and I got a surprise. When I went to pay for it, all three of my credit cards were declined. Next I tried to pay for it with a check, and my check didn’t go thru. The store also had a payment plan, and I filled out an instant application. To my surprise, that was declined too. I guess with my credit cards maxed out, they made my credit rating very low. Then what did me in, was the next day, I got a notice in the mail from my bank, saying I was overdrawn. Now I was desperate. What was I going to do? So I called a helpline center, and talked to them about what I could do. Since I had no money and I needed a lot of help, they recommended I talk to a special type of financial planner and bankruptcy attorney. They gave me her phone number and told me I should make an appointment as. Today started out with me getting up early and trying to decide should I head to the gym before work or after I get out. The morning crowd is quick and fast, where as the afternoon crowd it is fricking packed like sardines for sure. SO I turned my car to head towards the gym. It was a busy morning, but by the time I got there many were already done with there routine and walking out. SO I hit the tread mill, then some weights, and then headed towards the shower room. I made a change and took my bathing suit with me and a towel in case I wanted to hit the pool before the sauna. I jumped in the shower for a good wash and put my towel up and saw 2 other towels on the rack by the sauna, I wanted to see inside, but was to fogged up window, So I entered in. I stepped in and 1 guy was to the right of me on the top seat, he was a nice build ginger, had a belly, but nice beard, long shorts, so dark I couldn't check out anything he might be packing, So another guy, larger than me, who was.
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