No, my credit is trashed. But you're right, it can't be trashed any worse.
I am attempting to repay the friends and family who supported me while I could not work.
I try to pay each person I owe $25 a month.
When I was in Salt Lake City with my daughter for 8 months, no one was living in my house. I unplugged EVERYTHING before I left (emptied fridge & freezer, gave the food away, etc.).
My electric bill continued to be $123 a month.
NPPD may have very low rates per KWH, but what their website doesn't say is that there is a basic, immutable charge of $80 a month to rural customers to pay for "infrastructure". So even if you use 2 KWH in a month, you'll pay $80. Which makes it $40 a KWH -- possibly the highest rate in the country, LOL!!!!
And yes, I freeze in the winter. I got up one morning last winter, and it was so bitterly cold outside that even with the furnace set at 55, the house was at 46 degrees. I just put on about 5 layers of sweats, heavy socks, etc.
Right now, the friend who drove 100 miles each way to pick me up Saturday is taking me to complete the shops I had scheduled for this month. She is as poor as I am.
I am, of course, paying for the gas.
I don't think that's fair.
I'm thinking I should pay the gas, and give her 50% of what I make.
Do you'all think that's fair? Or something more, or less?
She's doing all the driving, which is absolutely exhausting.
She refused any money at all for the 18 hour day Tuesday, but she did complete $100 in shops. She's taking me on another route today, but we could only find about $30 in shops she can do. I'll be completing about $250 in shops. I'm paying the gas, of course, but I'm thinking I should also give her at least $100 -- it'll be 8 hours of driving.
If she's going to continue to do this until I can accumulate enough money for a car (fat chance!), what do you think is fair? I hate to say, like, "I'll pay you $10 an hour for driving me, plus pay the expenses", because then, in effect, I'll be employing her. Neither of us wants that!
And, of course, I have to confine myself to more profitable routes, so there's something for each of us.