Credit card holder bill of rights

The credit card bill of rights just passed does not seem to be in the consumers best interest for those already in debt. It will help those that have not gotten themselves in debt yet by restricting the availability of credit and in the future and keep their rates from going up unexpectedly for no reason. For those already in debt, I think it will do more harm than good. The credit card companies have nine months to raise the rates to the hilt, and they probably will, because there is nothing stopping them from doing it now, and they won't be able to as easily in the future. This will make it harder for those already in debt to switch to lower interest cards.

There is nothing in place for lowering the interest rates of the debt we are already carrying. The credit card companies will be able to just tack on more annual fees to stick it to the consumer. This may push more people into bankruptcy, something I really want to avoid. Why pay lawyers, court fees, credit counseling fees, and such, that would equal a large portion of my debt, all the while the credit card companies get nothing back and my credit is ruined. All the while, I wonder if there is no avoiding it.

Focus on the good.

I can't seem to focus on prosperity. My mind sees sickness, homelessness, debt, poverty, insufficiency everywhere.

I need to focus on the good. I still have some cash in the bank, two jobs, I am still paying on my debts, I am still paying my rent.

Progress is progress. I predict to be making about $500 a month progress for a while.

What I may owe on my apartment at the end of the lease is probably going to be a big set back, easily exceeding all of the progress I have made in a year. I won't know what those numbers will be until I find another place to stay. So far, I can't seem to find a place worth making the move to. I am reluctant to move into another place I may not be able to afford. It seems like I could find stability if I could just hit zero and find a lower cost place to stay. If I hit zero where I am currently, I could wind up in owing crazy amounts of money at the end of the lease. If the lease is not fulfilled, it could be thousands that I owe just in discounts. A one hundred dollar deposit isn't enough to cover the damages that happened in five years in my apartment either.

Affordable housing in dallas seems to be a myth. The housing authority is not even taking applications for discounted housing right now because the wating list got so long.

What's a stressed young man like myself to do?

Try to focus on the good.

Lazy Day

Been another lazy day. Felt like I needed more rest when I woke up. I didn't get back to sleep..wasted some time...got up didn't do much. I wrote a check and paid my rent. A friend is supposed to be coming over. Its raining a bit outside. My washer is acting up again. I at least am more convinced that there was a problem when I called it in before and it just went away...and now it has reappeared. I have some cleaning do to around here. Seriously...I have been avoiding way too much.