Start to come up!

Well, well, well. That Fat Cow today made her first step. She's got the report from Equifax.ca

I hope, She wouldn't find out, that I'm giving away her financial situation. Who else will help her? Up to now her balance is:

MASTER CARD (rate 19.99%) - $1,286.00

MASTER CARD (rate 18.99%) - $ 2,702.00

IRWIN CF (rate 18.00%) - $ 7,290.00 - for printer ( It's a big one. Once I saw a piano, almost got under it while moving. So the printer is the same size. It makes very interesting noise, not at all scary!)

ROYAL BANK VISA (rate 11.90%) - $ 9,901.00

ROYAL BANK OF CANADA (rate 8.94%) - $ 9,597.00 - for car

TDCT VISA ( rate 8.75%) - $ 813.00

BMO (rate 5.2%) - $116,000.00 - for condo (that's my penthouse)

Total balance - $ 147,589.00

Now I want to monitor her spendings and the balance every day.

I'm the Most Helpful Cat in the whole World!

Ten years to pay...

Here, today arrived another bank statement. That Fat Cow!!! Her monthly payments is $100. That's OK. But bank's interest is $78.47! That means She have deposited on her account only $21.53! New balance is $2,681. How long it will take That Fat Cow to close the balance? Definetly more than 100 months!!! Stupid, stupid, stupid!!!

Never Use Plastic

If you go shopping use cash only. If you have an extra $20, spend $20 only. Of course, it's not easy to calculate the final price of the item in Canada with all that taxes. Especially for cats (meow). If you see $9.98, it's not $9, it's $10! So, add about $11.30 to your bill. But if you went over your limit, leave unnessesary things at cash-register.

Listen to The Smartest Cat in the whole World: Never ever use your plastic cards for grocery shopping.

Stop Wasting Money

So, according to the last month's statement from RBC , She has deposited $200 on the Visa account, but has spent in Wal-Mart $109 (I hope it wasn't the money She spent on my food)

It seems like immigration takes toll on her. Back in Russia, She have three university diplomas. Here, in Canada who needs That Fat Cow's university diplomas? Canada doesn't need an old (almost three of my lifes!) single women. Canada wants young married couples, who can give birth to a lot of kids. So, go home, Old Fat Cow! By the way, do you have any money to go back now? Where is all that money you brought to Canada with you? It seemed a lot of money...

Listen to me, to The Best Cat in the whole world: Stop wasting money, behave yourself and don't buy chocolates and ice-cream anymore.

Bankruptcy impossible

That was a scary day for me, I thought: this is The Day. I'm going to animal shelter! Today She called bankruptcy agency, but they told her that "Bankruptcy Impossible" - their services cost one thousand dollars. Pheeew...What a relief! If She had one thousand dollars, She wouldn't need any agency at all. It is necessary to help this silly woman.

That Fat Cow never asked Me, 100% Canadian experienced in accounting, when She applied for all known Credit Cards. What was She thinking about? Oh, all Cat's God! I am The Best Accountant in the whole world!

TV Dinner

Let Me In!