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mspixieears says...

Again, I was going to fail some English exam in high school. I'm supposed to have read the same book I haven't finished reading in all the dreams I've had recently. I think it's a non-fiction book, and I've missed a lot of class in the second semester.

I try to call this horrible person I was semi-seeing last year. He changes his number without telling me. I call the old number and get a very angry woman instead. She is mad at this guy too - he used to live as her housemate and has left her suddenly without giving appropriate funds.

I am staying in this beautiful mansion. My family are there - and because the house is so large, I don't get to see them much. My mother has booked some sort of compulsory family holiday while I'm supposed to have my English exam which I know I shall fail. It takes me quite some wrangling to get out of going.

I find out that my brother is cheating on his wife - he's found a girlfriend. I'm furious. I voice these misgivings with my mother who says that all men are supposed to stray after a while. I say, what, even though his wife is expecting a child? Mum says especially so. I am disgusted with my brother and decide I don't ever want to see him again. I say that I will be out of this mansion as soon as my exams are over.

My brother decides I am too degenerate to sleep on this special mattress he paid money for. The mattress is made of foam and is breaking up. I accuse my brother of being a fucking hipster and say fine, I don't want anything to do with you.

* * *
I'm still in this weird mansion and apparently I have a new boyfriend, a friend I met on Twitter. This apparently helps me decide I want to be with my current real-life partner, who I keep trying to reach via the phone but can't get hold of him.

* * *

I'm trapped in some weird fairytale setting. and I think I'm an old woman. They are conspiring to kill me. What they don't know is that because I have been bitten several times by this particular snake, I'm now immune to its venom. It ends up killing them instead - that being a man dressed in a beautiful flamenco red dress and a young woman.

Then suddenly I'm in Singapore with a bunch of people. One of them stops because she wants to buy Shu Uemura. A man comes up to me to talk to me. He looks like Marc Jacobs. We get shuffled off and I say goodbye to him, marvelling over the Shu Uemura cleansing oil packaging.

A cute Asian girl gives me an eyeshadow palette which comes with cute soft toys.

* * *
Back to the old woman. I turn these quasi Greek monsters into books. The library gets mad because I don't return them to the library. I'm confused, as I tell them, they weren't books before. I meet another girl who tells me I remind her of a heroine in the Chaos Revelations series. I tell her I will look them up in the library. I do so and am confronted by my old schoolfriend Andrea. She wants to go to another section of the library. I shrug and say fine, do what you want. I find the Chaos Revelations series and there are more than four volumes and they appear to be graphic novel adaptations of Shakespeare's plays.

I go to another section of library and begin composing a tune on my flute, and writing variations upon the tune.

I introduce T to some people from EMS. Em comes up to me and tells me mean Luke will stay overseas forever and that someone else, either Rob or Felix are coming home early. She thinks I'll be sad and then I say, I'm glad Luke is gone forever, and wager a lot of other people are too.

Filed under: phonecalls

If you’ve fallen behind on your repayments, you may have received letters or phone calls from your lenders. These can range from mild reminders to official warnings – neither of which is likely to make you feel any more comfortable about your debts.

For anyone struggling with debt, finding the right solution is important. Here we take a look at one of the debt solutions which has helped many people: debt management plan

Aside from helping people keep up with their unsecured loans/credit card repayments, debt management has also reduced many borrowers stress levels by allowing them to leave the letters and phone calls to experts who work with debt – and with creditors – on a daily basis.

What is debt management?

A debt management plan is an informal arrangement with your lenders, in which you will make reduced monthly payments to your lenders, based on how much you can realistically afford.

In many cases, it is also possible to arrange a freeze or reduction in interest and other charges, which can prevent your debt from getting any bigger.

You can arrange a debt management plan on your own, but because of the time and effort that can be involved, you may prefer to arrange your debt management plan through a professional debt management company. In many cases, they will negotiate with your lenders on your behalf, and act as a point of contact between you and your lenders for the duration of the debt management plan.

Debt management and lender communication

As it’s an informal arrangement, your debt management plan will not impose any legal restrictions on your lenders, but if they have agreed to work with your debt management organization, it is unlikely that they will send you any more letters or make any phone calls – as long as you stick to your side of the agreement.

A note about debt management

Your lenders are under no obligation to accept the terms of a debt management plan, and if they do, it may only be for a specific period of time. A professional debt management plan will normally be agreed in six or 12-month `blocks`. This means that at the end of each agreed period, your lenders may either decide to continue with the terms as they stand or talk to your debt management representatives about arranging different terms.

Plus, you should be aware that changing the way you repay your debts can show up on your credit rating, which can affect the cost and/or difficulty of obtaining credit for the next six years.

Filed under: phone calls

mspixieears says...

I was at a library that reminded me of the Baillieu Library at Melbourne University. I recalled that I had some overdue books, and I'd seen this dream version of the library in my dreams before.

There was a particular book, a children's book that took my fancy. I was attracted to it because the person whose point of view it was told from had handwritten messages on the blurb, including his e-mail address. I found it odd that he was nineteen, and that he wrote about having sex. I didn't quite see how this was meant to be a children's book. When I went to show my friend LR from high school, the blurb had changed. Some of the handwritten lines had vanished.

Even weirder, the edition of the storybook literally became newer as I held it. Before it looked visibly aged, as if it were a children's book from when I was a child. I went to the back page to check evidence of its age and ended up ripping out the barcodes so I could steal it. LR produced an even newer version of the book, complete with a graphic novel sequel tucked in the back cover. I stole it successfully and we ran around outdoors.

* * *

In another part of the dream, there was a cabinet and bain-maries filled with delicious cakes. I was given the task of slicing one up to share amongst some people, one of which was a schoolmate EW from high school. For some reason, I was the neatest and fairest when it came to slicing up the cakes. One girl gathered dirty plates to distribute so we could put our slices on them. The knife was so clean when I divided the cake. I marvelled at this.

* * *

In a parental house. There are dead flowers everywhere, attracting insects. My mother won't clear them out and I endeavour to collect them all and put them into compost. One part of the ceiling is leaking and has made the couch mouldy. I'm at a computer and somehow take a work call, at home. The computer keeps logging me in as my friend Anya.

Filed under: phonecalls

mspixieears says...

Arguing with my brother over something. I kept getting phonecalls from a workmate and he wanted to know if we worked with anyone else with my name as apparently he wanted to go out on a date with her. She worked in another department so apparently it was okay as I wouldn't find out. He told me to make me sad that I was a second choice, apparently. He always recognised my voice on the phone, which was weird because he'd never called me before.

Filed under: phonecalls