Over the past few months I’ve read many articles about the Credit industry as a whole and various “mistakes” that have been made.

My mother keeps lecturing me to make sure all of my bills are paid and that I don’t owe anyone any money and I keep telling her that the only things I have to worry about are my utilities and rent. This has actually been one of my first years ever that I haven’t had any form of credit card debt or carry over. None, zero, zilch – it has been an entire year.

Several minutes after I’ve reminded my mother of my responsibility, she goes on to tell me that I need to have a few credit cards. Why? It builds credit? Why would I want that? I know people can explain certain aspects about credit to me all they want. I went to school for this also. I understand it all too well.

What I don’t understand is the amount of Bank errors that are happening. We’re not talking about your cousin who knows a guy who knows a guy type situation here. It’s not far into the month of February and the stories are stacking up.

You see, I have this weird theory that no matter how bad we mess up our theoretic ‘Credit Score,’ the bank is only going to screw it up even further. Weird crack-pot theory but it can actually happen.

Another note; it’s 2010. Bank’s talk to each other via wires and satellites and email, yet it still takes a month for a check to clear at Wells Fargo from the Fed Reserve. Am I being punked, maybe a new bank will be next on my list? Ten years of loyalty hasn’t gotten me dick.

Yet another year is upon us and the resolutions start pouring in. First we’ve got to look at all of the great things that 2009 offered us. Uhm… nothing really, just another damn year spent paying bills etc. etc. I got to go camping once, though it was an out of state trip that was a phenomenal time meeting new people, I only got to go camping once.

Instead of trying to think of some resolution to try and keep for an entire year I decided to stop the resolution, though I think that was what I had resolved to do last year, let’s just go with it. So again, instead I opted to write down a list of personal goals for the year. Not that I’m really going to share any of them with the general public, they’re personal. They’re also nothing realistically worth bragging about. Bike more, better understand a second language instead of knowing quite a few phrases in so many. Camp more especially, lame stuff that people usually do only I’m going to try to focus on the completion factor, none of this half ass shit that I normally do.

I do have to add, while writing said list- after starting to write exactly how I plan on accomplishing these goals I began to think that I may not have any actual time to relax in my normal complete silence. I’d write that down as a goal but I think that if I tell someone one of my goals for 2010 is to relax more, they will probably laugh or ridicule me.

Drink different types of tea is also on that list, ridiculous maybe but I’m predominantly an Earl Grey drinker, not sure why but it is by far one of my favored flavors and I really like it strong, to the point where it tastes like you’re actually chewing the tea itself. Note to the public: That was an incredibly hard sentence to sound politically correct.

To keep this short because the New Year is upon us, get ready for the first blue moon on New Year’s Eve in twenty years. I also hope to be able to complete something musically at least every other month. If anyone ever wants to work on anything, you know how to get a hold of me.

Happy New Year everyone.