Part 7 - Note To Self

Be onto it. 

Know where your money is coming ANG going. 

Know your debts. 

Pay them. Whatever method you can. 

If you're not sure - contact the credit rating companies. 

They'll straight up just tell you. 

Then you can avoid finding an overdue $9 payment from TWO YEARS AGO that is now putting a red underlined mark under my name and a big ole NOPE on the risk-o-meter for the banks. Ugh. 

I worked so hard to get here and am being screwed over by a few things: 

* A lack of communication from the company. They should have called me about the outstanding payment. They say they sent two emails back in 2019. I cannot find them. I had no recollection that I had an overdue payment. Had I known... I would have paid the $9! 

* The company seem to be refusing to remove this mark from my name on the credit score. This is beyond frustrating. 

* The banks see me as a risk because of a missed payment from 2019. Of $9. 

* My credit score is currently sitting at 541 out of 1000. That's not terrible but it's not good either. My credit score should be at least in the 700's. 

If the company was able to remove the mark - surely my rating would go up. 

But they probably won't. 

It serves as a reminder that I once struggled to pay my bills. 

And no matter how much I move forward and grow - I feel like I'm still looking over my shoulder at the bad financial mistakes I've made. 

I truly hope that this is now going to show the bank a different story. 

That they recognise how hard I've worked. 

That I am constantly getting better. 

Maybe I am just a year too early for this house buying thing. 

But I have learnt so so much in the space of a short while. 

I have another decision to make tomorrow.... Whether or not to put a new offer in on the Windsor Street house. 

My previous offers: 

* $500k -- they accepted it

* $480k -- they decreased it to account for the roof repairs that needed to be done

Now... 

Now that I know the extent of the repairs... And that the bank sees my Kiwisaver deposit as not enough ....

And that I don't have savings for the repairs set aside...

And that I have a red mark against my name for $9 🤦‍♀️🤦‍♀️🤦‍♀️🤦‍♀️🤦‍♀️ from 2019!!?!!

And that even though I've curbed my impulsive spending... It still needs further cutting down.... 

I just really really hope we get a more positive answer from BNZ tomorrow. 

And then I can figure out how much to put an offer in. 

If not.... I've truly exhausted all avenues with this house. 

And I have to keep looking for something else. And that actually breaks my heart. Because this house is perfect for my first home. It has so many of my dream home items checked off. 

Oh.... Let's see what happens tomorrow.