Personal Notes on BillsIQ and Bills.com
While out roaming the neighborhood this afternoon I ran into a reader who asked me about yesterday’s BillsIQ post. It seems she thought I wasn’t being entirely honest with y’all and that I should have disclosed a little more personal information about my own struggles with credit card debt.
As regular readers know my primary job is working with developmentally disabled adults. I’m a live-in caregiver. This is rewarding work and the compensation is adequate, but it does hold a risk that many other jobs do not – despite my job performance my clients can suddenly disappear. I don’t mean literally, of course, but they all have issues and these issues can progress, meaning they are no longer able to live in trditional housing despite my best efforts to assist them. This is exactly what happened to me last summer. My primary client (the one who I devoted roughly 70% of my time to) went into a severe decline and had to be placed in a secured group home for both his safety and the safety of those around him. Obviosuly I want what’s best for all my clients, but this suddenly left me with 30% of the income I had while he was living with me. Ouch!
It had only been recently that I had dug my way out of my earlier credit crisis and I was slowly rebuilding my credit by acquiring a few new credit cards and paying them off every month, just as all th eexperts tell you to do. Unfortunately, the sudden loss of nearly three-quarters of my income (especially right at the beginning of summer) left me unable to pay any bills and the credit cards stopped being paid off. Then they stopped being paid at all. By the time I got a new client to move in they’d all been cancelled and sold to bill collectors. Blech!
As soon as I got a new client my financial resources were right back to where they had been – in fact, I was somewhat better off as the new client actually requires more care than the previous one. But it was too late to save my credit rating and the various late fees, etc that had been added onto my debts made the whole mess seem insurmountable. Debt consolidation was an excellent solution for me because it made the whole problem appear smaller, and thus more manageable. It was sites like Bills.com that helped me find my way through my disastrous debt load and from those very sites that I learned the skills and information required to score as high as I did on the BillsIQ quiz.
Tags: BillsIQ, credit, credit report, finances, Online, quiz
[...] Tech News and Reviews from PC Mike wrote an interesting post today onHere’s a quick excerpt While out roaming the neighborhood this afternoon I ran into a reader who asked me about yesterday’s BillsIQ post. It seems she thought I wasn’t being entirely honest with y’all and that I should have disclosed a little more personal information about my own struggles with credit card debt. As regular readers know my primary job is working with developmentally disabled adults. I’m a live-in caregiver. This is rewarding work and the compensation is adequate, but it does hold a risk that ma [...]