Hello, I'm Vee. And I'm the queen of procrastination:
Am I the only one?
This is one of those times that procrastination has really kicked me in the butt.
The hubs and I tried to make a lot of changes last week to cut our costs after losing an income last month. It's proved to be very challenging, because we simply just aren't making enough anymore to cover our bills, let alone extra expenses. So, I sat down and finally decided to make a few phone calls I had been putting off...
Let me start by saying I hate talking on the phone. But I especially hate talking on the phone to companies. I hate the confrontation, I hate the waiting and automated garbage (90% of the time, I need to talk to a representative anyway, why put me through all that!?!?), I hate the people you can't understand on the phone cause they don't speak clear English, I hate arguing with people who are rude aren't willing to help you.....am I alone in this? Who looks forward to making these phone calls?!?
Well, these phone calls give me anxiety. I sweat, I stutter, my knee starts going like crazy, half the time I end up in tears on the other end....I avoid these phone calls like the plague.
Well, they needed to be made. We made the decision to try and call some of our student loan companies and our one credit card company to see if there were any temporary arrangements we could set up during this difficult financial period in our family. UGH. Last week, I got a hold of one student loan company and they reduced my monthly payment by $200!! And it was the easiest phone call ever, the woman was very helpful and sweet. You'd think this would make the rest of the phone calls easier, but no. So here goes....
I WISH I HAD DONE THIS SOONER.
I realize now how silly I was. I made 3 phone calls and ended saving myself HUNDREDS of dollars a month, just by asking. What I learned is that as long as you're willing to work with them, and pay something, they're usually pretty willing to work with you in return. If I made the phone call to my credit card company months ago when we started having trouble paying it....I would have saved myself hundreds of dollars. It makes me sick to my stomach.
But, you live, you learn. Then get Luvs. (Oh, wait...wrong saying)...
I'm thankful those phone calls are behind me, and praise God they've freed up some money in our budget to eat this month! HA I'm writing this in hopes to encourage you to make these phone calls as well if you've been putting them off. It never hurts to ask. The worst they could do is say no. If you put it off, be warned:
Procrastination is Expensive.