Having debt is a frustrating thing for me right now. The biggest issue, aside from the sheer amount of the debt, is the fact that it is spread out over a number of items. That is, I’ve got a personal loan, a credit card on which I have a balance transfer, and a line of credit. All three are at the same bank, however it’s a hassle making the payments for them because I don’t actually do my day-to-day banking with this bank. (that’s another story) So I end up having to do some juggling between my chequing account, my savings account and these three items, and it’s hard to keep all the due dates straight, even with all the various technological implements I use (my computer, my email account, my cell phone, etc.)

So I’m considering going to my day-to-day bank and see if they’ll give me a line of credit, for my total debt amount and then transfer it all over. That way I’ve got only one place to make a payment, I can transfer money in & out as I like and it will make my life easier. My only problem is that I probably wouldn’t be able to get a line of credit for the full amount due to the amount of that debt. It’s a bit of a catch-22, which is frustrating. I’m definitely going to go IN to the bank to see someone about this, because given the amount of debt I have, they would be making lots of money off me in interest payments, so it would definitely be worth their while to do so. Keep your fingers crossed that I find a sympathetic banker.

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