Wednesday, January 28, 2009

The 5th C

I was introduced to the 4 C’s (cut, carat, clarity, color) of diamonds in high school (thanks to my bff - Sasha). Since then I have known exactly what I want in my 4 C’s. My 4 C’s were so important to me I carried a picture of MY diamond in my wallet and anyone, who asked – not only caught a glimpse of my diamond, but were told I would accept nothing less!


My first time away from home I was introduced to a 5th C. When I met the 5th C - I didn't feel it was a priority, didn't take it seriously and didn't realize its potential impact on my future. Can you guess what the 5th C is? Here’s some hints: everyone has it, it may be good, bad or fair, it makes a big difference when making major purchases, it’s like your virginity (once it’s gone it’s gone forever), it can be hard to get back and it follows you wherever you go.
Do you have any ideas?
It’s your CREDIT our new 5th C!
CREDIT! Yes – I said CREDIT!
It's the one thing I have - I wish I could trade it in or upgrade it; better yet if I would’ve listened to Rondada. Before leaving for college she sat me down and had a talk with me, “Remember who you are, make good choices, stay focused and DO NOT - DO NOT come home with a baby or CREDIT CARDS.” I did great with the baby part, but everything else she told me went in one ear and out the other.
Credit is who you are, what you have and what you could have or have access to. Credit can define your lifestyle and the lifestyle of our future families. AS for me my credit needs to be buried in the depths of hell-ion! All the credit counseling agencies, waiting 7 years for items to fall off and paying the hustle man to get items removed are all – boloney!
In recent years I’ve finally realized (even though I didn’t want to) how my choices or non-choices have affected my credit. I treated my credit like a step-child or better yet like a person I saw every day, but had NO feelings for! And now it’s time to make amends - as a matter of fact I’m making credit my new FDBD (freak daddy baby daddy). I’m going to treat my credit better than any man who’s crossed my love land. I’m going to love, cherish, make good memories, give rub-down/massages and do whatever I need to keep my CREDIT happy!
For all you responsible SESSY’s out there YOU GO GIRLS! I am so envious of your responsibility in paying bills on time, learning to juggle payments in just the right way, saying “no” (to whatever your vice may be i.e. shoes, clothes, trips, more clothes, paying other bills, etc.,). You are the official credit queens of the crew!

“Lovely face, nice thick thighs. Plus she got drive that matches my
drive. Sexy thang. She’s McFly. All the while payin’ her bills on time.”
–Neyo
“She’ll buy her own I don’t think she’ll never
look In a man’s face standing waiting for him to take care of her. She’ll rather
go to work and pay the bills on schedule.” –Webbie

I have a new man, a secret lover, a FDBD, a ride or die boo - my CREDIT!

I love you CREDIT! I will take care of you CREDIT! I will do my best to make our relationship what it was CREDIT!
Watch out world – COCO and CREDIT are the hottest new couple of 2009!

4 comments:

Prima said...

So what are you suggestions to starting to love down your credit? Let a sista in on this one?

Miss Z said...

The best thing is to "learn from your mistakes" instead of that balla ass gucci bag and coordinating Louboutin shoes think long term. Save your money, invest and make smart purchases. Just think if you pass on all of those expenses now (for 2 years) and pay off all of your credit card debts, you can really DIB in a few years without the hassle of always being $20 dollars short. I am finally at 31 years old financially secure with ZERO debt!!! Now, i am just looking for which house i want to buy... and all i had to do was pass up a couple of Valentino bags for about 2 years. PS if you get prego, its even easier to pass up on the extra shopping (lol)

Allyson... said...

After trying a million things to repair my credit I found a place that has removed 5 items since 11/08. I also have another friend who had 20 items removed from their credit report thru the same service - so check it out! If you don't join there is a lot of good information. Lexington Law Firm - The Leading Credit Repair www.lexingtonlaw.com

Prima said...

Great! Thanks for the info I will give them a holla.