I don't know if any of you experience this, but sometimes when I have forgotten something like a bill I am actually less likely to deal with it in a timely manner once I realize I have screwed up. It's hard to explain, but it's kind of like I'm so afraid to find out how bad it is, and afraid to be told there's nothing they can do to make it better, that I just freeze. Every time I think of dealing with it my brain says: NO. NOW THINK OF SOMETHING ELSE. Usually I wind up doing some lesser but still somewhat important task that makes me feel productive and somewhat OK.

I just did this with a bill from a store credit card. I almost never use this card, the email I have for it is more or less defunct, and I can't figure out how to login to my account online (I tried a few times and it was a pain in the ass and I gave up). What's worse, I was apparently opted-in for online communication only so I didn't get anything in the mail until they had hit me with several months of late fees. I know the original balance left on it was small and I didn't even want to look at the bill once it came in the mail.

I know most of you all like to read long posts (I don't, lol), so I'll wrap this up. I finally managed to wrangle myself into sitting down and calling. I asked them to reduce some of the fees and they reversed about $70 worth of charges, leaving me with a bill just over $30 to put the whole thing to bed.

Gals, it's been a month of angst. For $30. I feel equal parts relieved and ridiculous.

If any of you are struggling with something like this today, I just want to send you love and encouragement. Take some deep breaths and DO THE THING. You'll feel better afterwards.