Even a sad story can be too good to be true

It was all a cruel, terrible, hoax. But was Notre Dame linebacker Manti Te'o one of the perpetrators of the hoax or the victim of it?


I don't know. But I can believe that he was the victim. I can relate and I empathize.

Deadspin.com revealed the hoax today. I didn't hear the story of Te'o girlfriend's death during the football season, so I didn't feel deceived by Te'o or the media that told and retold the story, spreading the legend. But when I read Te'o statement it read like something I could have said or written myself. I found more than a kernel of truth in the words at which many critics are scoffing. I have been there, so I don't doubt another young man could get there too.

I have avoided the topic here for many reason. The woman I was involved with in an online relationship knows about this site and got quite upset when I wrote about it in the past. Plus, I felt ashamed and foolish.

It was really only after our conversations ended that I began to understand something of the extent to which I had been deceived. I still don't know what all the lies were. At this point, it no longer matters. I was too trusting. Too willing to believe. I don't know if there was any intent to harm on her part. I don't really care.

But there are parts of what Te'o said in his statement that ring true based on my experience. It's hard to explain an online only relationship to family and friends. I left out details. I patched over inconvenient parts because if there was a chance that we would have been able to bring the relationship into the real world I wanted family and friends to not judge.

I should have judged more myself, though.

Every time we were close to meeting, something always came up. There was a last-minute crisis. An emergency or an illness prevented the rendezvous.

She didn't want to talk on webcam. I never saw her face, in spite of years of off and on contact. Eventually that became a big problem for me but I have to admit that there was a freedom in it too. I was more confident to say what I was really thinking about things. I just blurted or typed them out and didn't get sidetracked by visual cues that might have led me to bite my tongue.

For the longest time, there were no photos shared. Then, after lots of pushing and prodding and nagging on my part, there were finally a few photos shared. I later learned that the photos were actually of someone else. No, that couldn't be, she insisted. Well, maybe a few pictures of someone else got mixed in with ones she sent. That lie was exposed too.

I don't know if she was just trying to hide something or if she was pathological. I wanted to know why for a long time. I wanted to solve the mysteries. Now, I count myself fortunate that the experience didn't cost me more in some way. I didn't suffer the same public embarrassment and criticism Te'o is currently facing from sports columnists and bloggers and Twitter critics. I just had my own private torment. And the loss of an online companion and confidante who I used to talk to nearly every day. She helped me get through a bad breakup. She helped me start to envision and even crave a committed relationship again.

I can believe that Te'o grieved the death of his online girlfriend. I grieved the loss of the relationship I had too, no matter how dysfunctional and deceptive it was.

I can't say Te'o story is true that he was the one deceived. But I, for one, believe that it is possible. It rings true from my experience.

Sad.

But all too possibly true.

Did Santa push you over a fiscal cliff?

Were you able to avoid a personal fiscal cliff with your holiday spending?

It is awfully tempting to pull out a credit card -- or several of them -- to buy all those perfect gifts for families and friends. I am anxiously awaiting payday, because I admittedly busted my holiday spending budget.

I spent more than I wanted to or should have between the gifts, gasoline to travel to various family gatherings, several meal out around the holidays and a simple lack of discipline. However, I am proud to say that I didn't spend for anything on credit. It was all funded by cash pulled out of my growing debt snowball.

I estimate that I set my payoff plan back at least a month. But it felt good to be able to spend a little money for fun stuff, rather than just sending it all off each month to pay for fun stuff from yesteryear. Maybe that will hold me over for a while with all that pent-up desire to cut loose and spend some money. Hopefully, it won't lead me to make a habit out of pulling money out of the debt snowball on an ongoing basis.

I am so tired of the debt. I am ready to be done. But I am probably still a year away. That is, if the changes in my withholding this year doesn't slow down my debt snowball. I know I will have to tweak the budget because monthly pay is going to drop, probably more than $100 a month. Remember how President Obama and Congress changed our social security withholding rate a couple of years ago? Yea, that's done now.

So our take-home pay is going to shrink. This at a time of year when utility bills are up for most of us to heat our homes for winter. And if you have to deal with all that, and used credit cards over the holidays, you will also be paying higher minimum payments on the higher balances on those accounts tapped for holiday purchases.

A few years ago, those factors combined would have caused me a lot of anxiety, because I was struggling to pay even the minimum payments.

I don't have that anxiety this year. While I am still paying minimum payments on all my credit accounts but one, I am paying way more than the minimum on that one. So I may have to shrink that bigger payment by more than $100 a month due to the change in withholding plus another $50 or $75 a month due to higher electric bills in the winter. That may slow things down, but I am no longer afraid. I also don't keep the thermostat set so low that my living room could serve as a vegetable crisper.

I am warmer, happier and far less stressed this new year than I was in 2010 or even 2011 or even 2012.

The last Congress couldn't find much money to cut from its budget, is still spending liberally on its credit cards and was stretched out over the edge of fiscal cliff before taking a sideways step to avoid economic catastrophe. I can empathize with that. I used to do that myself.

I stopped. The new Congress won't.

I had a wonderful holiday season. I got to spend a lot of time with family and friends. I have $20 to last until payday, some groceries left in the kitchen and all the bills are paid. There are no big surprises coming in the mail this month. So far, 2013 is starting off OK.

No cliffhangers here.

Yes, I am breaking up with you. Seriously. Go the hell away!

It's been harder to get rid of JPMorgan Chase than I thought. I wrote in my post on July 13 that I had closed out my Chase credit card account.

A modified version of the Chase logo from the website
www.chase-sucks.org

I was wrong.

My first clue was that when I would log into my account information to pay my bill, check for new statements, etc., and there was no notification on the account that it was closed.

My second clue was found in my mailbox today. It was an offer to transfer balances from other cards to my Chase account. It was headlined: "A Straighforward way to reduce the amount of interest you pay", which is pretty ironic from a card that was charging me more than 27 percent interest. So, while they wouldn't lower my interest rate on my existing balance, they would offer me a promotional interest rate of 0 percent through next fall. After the promotional period I would be charged my "standard" 27.24%. Oh, and there would be a 1% transaction fee for each transaction. Inside the envelope were those handy little checks tied to my account, which mail thieves must love.

I was not happy to have checks floating around in the U.S. mail linked to an account I attempted to close a month ago.

Fortunately, today is the day my new statement posted to my account. I had paid off the balance on the card earlier this month, but of course, there was interest accrued, which hit the account today. So, I again selected the option to pay off the outstanding balance for the 12-plus dollars in interest. Hopefully, I paid it fast enough that there will not be additional interest to pay next month (how would I calculate a few hours of interest at an annual rate of 27 percent on 12 dollars?).

Soon after I hit the send button, I was on the phone to customer service. Again.

Why, yes, they did have a record of my call last month and that I had requested to close the account.

 Why, no, the transaction was not completed.

Did I really wish to close the account?

Why, yes, I do.

This time, the customer service rep said I should receive a confirmation in the mail that the account was closed.

So, we will see what I get next in the mail from Chase. Will it be a letter confirming that my account has been closed? Or will it be another promotional offer with enclosed checks? That is, of course, assuming someone else doesn't find those checks first.

• A note from the editor: I find it amusing that I write about the evils of consumer credit here, and specifically mention my frustrations with JPMorgan Chase, yet Chase and other credit card ads often appear in the Google Ads on this site. Surely, the ads are related to the content, but may be viewed as unfortunate ad placement by the people/companies paying for the ads. Should anyone get the impression that I am making money from the same types of accounts I am "bashing," I will say that in all the time I have had ads on this blog, I have yet to get a check from Google. There just hasn't been the level of traffic needed to trip the earnings amount that prompts Google to cut a check. So much for my daydream of earning extra income as a blogger. So, enjoy the irony along with me. Or snicker at my unprofitable hypocrisy. Either way is fine with me.