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 Posted: Wed Oct 04, 2006 8:14 am Subject: At Wits End |
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I stumbled upon this site while searching for a number for Arrowhead Processing/VC Funding. I read a few of the messages in the PDL forum. I'm at my wits end with my debt. I feel like I'll never have anything to show for all my hard work. The kicker is, I have a problem with overspending, even when it comes to paying my bills. Sometimes I over estimate how many bills I can pay in one pay period, and wind up with little or no money for gas or other misc. expenses. I'm depressed all the time, my fiance has no idea why (because I won't tell him), and I just can'ttake it anymore!! 
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Justice728
Joined: 04 Oct 2006
Posts: 2
Location: Baltimore, MD Debtcc Points: 73
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| Posted: Wed Oct 04, 2006 8:21 am Subject: |
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Welcome to the forums  Don't feel bad,we all were,or are in the same boat.But here,we can find solutions to our debt problems. Since you signed up, a credit counselor will email you info,and you can discuss your options with them. Consolidation will have alot of benefits, much lower interest,and one monthly payment. You can also speak to them about budgeting. The more educated we become about debt,the more power we have over it.Good Luck,any questions,feel free to ask...Karen
_________________
As long as you are alive, there's always hope
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Bossy4455
Moderator
Joined: 27 Feb 2006
Posts: 5540
Debtcc Points: 65211
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| Posted: Wed Oct 04, 2006 8:26 am Subject: |
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Thank you for the welcome and encouragement Karen!
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Justice728
Joined: 04 Oct 2006
Posts: 2
Location: Baltimore, MD Debtcc Points: 73
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| Posted: Wed Oct 04, 2006 8:28 am Subject: |
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You're very welcome,that's what we are here for-to help and support you!...karen
_________________
As long as you are alive, there's always hope
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Bossy4455
Moderator
Joined: 27 Feb 2006
Posts: 5540
Debtcc Points: 65211
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| Posted: Wed Oct 04, 2006 11:42 am Subject: |
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Welcome Justice!! You've come to a great place! Karen is right, consolidation could definitely be an optiion for you. The counselor will discuss everything with you, and even point out some reputable companies.
Spend some time reading this board..You can gain a lot of insight, and have a lot of laughs too..We're here for you. Good luck, keep us updated!
_________________
"It's a treat, being a long-distance runner...."
Allan Sillitoe, The Loneliness Of A Long-Distance Runner
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finsfan13
Moderator
Joined: 17 Feb 2006
Posts: 7020
Debtcc Points: 59875
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| Posted: Wed Oct 04, 2006 3:18 pm Subject: |
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Most financial problems occur because of our temptations only. If we don't get tempted on something that is not required at the moment, finance will never get messed up. Prioritize the basic expenses and then stress towards savings. What you think is necessary at the middle of the month, question yourself, "do you really need it now?" If you can avoid the spending on that day, it can be purchased at the end of the month from the money saved. The more you avoid an unnecessary requirement, you find yourself well balanced with your money. There are many other minute things that make a big difference. Budgeting is a must and for that we must be disciplined on the available cash, not on credit.
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GunsNroses
Debt Samaritan
Joined: 08 Jun 2006
Posts: 494
Debtcc Points: 7991
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