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Good Morning? Not so much. |
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Written by PJ Panigi
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Monday, 01 August 2011 16:20 |
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It was approximately 9:15 in the morning and I had awoke to a buzzing on my phone. I wasn’t even close to ready to wake up, but I decided checking my phone was only an arm stretch away, so I went for it. As I began reading, I realized quickly that it was a text message alerting me that my chase account was overdrawn by $350. “W.T.F.” I said, “that is impossible”. As soon as I said that it all came rushing back to me. A debt collection company I had been working to pay off was going to withdraw $350 from my chase account on the 30th of July; however, I had called them last week and informed them that I would much rather use my debit card for the transaction, no problem. All was set…so I thought. The transaction didn’t post to my other checking account, which was connected the debit card, but I blamed it on the weekend and figured it would come out at the beginning of the week…well it certainly did, just out of the wrong account. Ugh, they had gone ahead and withdrawn it from the original account despite assuring me that the debit card would be used instead, I was more than furious. After calling them in a fury and getting transferred to a manager, he apologized, of course, and decided to deduct my last payment to them by $50 to reimburse me for the overdraft fee I would likely incur. I rushed to the restroom and brushed my teeth, my breathe was so terrible I wanted to die, then I took out the dogs, got dressed and jumped in the car. I quickly got to my other bank and withdrew $400, for the negative balance and overdraft charge that would post later. I then left with the money and went to Chase to deposit the funds and discuss the situation with my personal banker. Of course, he was very friendly and helpful and assured me that I would be fine by just putting the money in and actually won’t get charged an overdraft fee as the transaction is still pending, awesome. Needless to say, it was an eventful morning with lots of emotions running wild and in the end I guess I made $50. I am glad it all worked out, but it just wasn’t how I imagined my morning would begin. I am home now and all is well, but if we have learned anything from this situation it is to not trust debt collectors as much as I did. They may assure you of one thing, but you better cover your bases. I am not excited for the end of the month when the next payment comes out, who knows which account they will use. Until then, I have other things to worry about…like work and school.
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Written by PJ Panigi
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Tuesday, 26 July 2011 02:00 |
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Just saw a True Hollywood Story on Amy Winehouse. It is really sad to see that there was a time when she was healthy, clean, and beautiful. I am happy to see the talent never left but it was definitely overshadowed by all of the other stuff that was going on in her life. It really sucks because I think had I not known her as a drunken mess, I might have actually given her a second thought, and I would’ve seen what a talent she was. That is my mistake for making a snap judgement and ignoring everything else; however, I really hope this tragedy is a wake-up call for some people. Addiction isn’t judgmental or prejudice, it can and does happen to anybody. A lot of addicts don’t consider death as a possibility, but the truth is, with addiction, death is the ONLY outcome if you don’t seek the help you need. It is a terrible thing to have happen, but it is very real and if nothing else, I hope her death inspires addicts to ask for help. You can do anything you put your mind to. Rest In Peace Amy, may you find the peace for which you were always seeking. Your music and legacy will live on…
With Love,
Pj Panigi
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Written by PJ Panigi
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Friday, 10 June 2011 00:46 |
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I haven’t blogged in quite a while, kind of sad. :( Well, let’s see if we can find a way to convey my thoughts into text, yet one more tyme. :)
I have decided to take control of my life, I am saving like crazy in an attempt to get caught up on my debt…sucks.
I am signing up to attend SCF in the fall….fun :)
I am going to continue working full time and hopefully be successful in my endeavors.
For quite a while now I have wanted to begin taking control of my life…getting things in order and making them happen. Unfortunately, it has been pushed to the side with other minor things that come up in life and all of it’s situations. I think when I moved out of my parent’s house and started my life I wanted to make a point that I could make my own decisions and live my own life, and ya know, that has been a point that I believe was accepted ; however, doesn’t mean it was the right way to go. I think it is now tyme to get these things done and move on with this life. We only get one as they say.
Although, I have no idea what I want to do as far as a career or major goes in school, getting started is really the only way I am going to figure it out. I am quite excited to begin broadening my knowledge again, as I feel with the years a lot of the knowledge I had has begun to fade. So, in essence it is a win-win situation :)
I do enjoy my little online life I have going on here, and it is a very nice hobby and something I plan on continuing and keeping up with, but if my life is empty, so is my blog…and nobody wants to read nothing…obviously lol. So I do hope to find a nice balance between real life and online life, as online life is becoming the only thing I do these days…and as much as I love all my friends online, when it comes tyme to hangout, nobody is there :(
Random thought: Just saw a commercial for BLUE cat food, not judging but that shyt looks disgusting, if I had a cat, they would not be eating that lol.
Sigh….not a whole hell of a lot to say now…BUT if all goes well with this debt paying thing, a trip to Michigan for Christmas may be more than possible…jus sayin :) I may be seeing some of you sooner than ya think :)))
Ciao for now my lovelies,
Pj Panigi
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Written by PJ Panigi
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Thursday, 21 April 2011 15:44 |
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This show really makes me miss Keeping up with the Kardashians...was a better show lol
Just Sayin....
Pj Panigi
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Written by PJ Panigi
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Tuesday, 08 February 2011 01:42 |
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Today was a terrible day. One of my biggest fears came true, and it was not fun at all. Don’t ask me why but having my car stall in the middle of busy traffic has been a fear of myne for quite awhile and thankfully something I have not had to deal with ever…until today.
We started the day off flat broke, and then met with disappointment when tips were not ready at my store, meaning we would be broke and low on gas until we made it to Cory’s store. Then Cory was called in early due to someone else’s illness and that cut our tyme together short. :( Once we arrived at his store we discovered his tips were not ready as well and that meant I had to wait around for him to get them until I could leave due to the no gas situation.
Cory got some disappointing news, which is probably best not to be shared with everyone who has an internet connection, so I will leave that to the imagination. I finally got some money in hand and had just enough time to get gas, go pick up my tips, and drive back to Cory’s work for his lunch; however, my car had different plans. While making it within 30 blocks of Cory’s work, the car decided to overheat and stall on me in the middle of a ton of traffic. I was panicking and couldn’t get it started to move it out of the way, so I was honked at and ridiculed by drivers passing by who were more than annoyed by the failure of my vehicle :’(. I finally got it to start long enough to get the POS in the Denny’s parking lot, where I probably caused more damage than good to the car, driving it in such a fragile condition.
Upon entering the parking lot, I called Cory numerous tymes to no avail and decided to ask the lovely crew at Denny’s for some water to help my radiator work properly. I decided to eat first, tip well and THEN ask for some assistance, which is exactly what I did….however they didn’t care and told me they would not be able to let me us a container to get some water from them to my overheated car…well gee, thanks a lot Denny’s!
I then uploaded some cries for help on facebook, and came up empty handed. Not even a slight offer from anyone. So I was forced to wait for Cory’s mother to get out of her job so she could save me from this annoying and embarrassing situation, since she was the ONLY one willing to give me a hand. Guess I was right, there are no friends in this world, just family…and sometymes not even that. Now I am not bitter or even surprised…but ONE offer from 1,000+ friends would have been nice…sigh.
Moving on, she finally got there and transported me to Starbucks for Cory’s late lunch, which was actually the highlight of this “day off”. Now I find myself where I began, stranded at Starbucks waiting for my tyme to bounce. Now I am not sure what the next move is, but I hope things start looking up becoming disappointment is becoming all to familiar to me, and I don’t like it.
This is where the story ends…for now. Better luck tomorrow I hope….
Ciao for now,
Pj Panigi
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