So glad I found this site!

Hi Mary! This website has been a Godsend for me. I, too have found myself in a desperate financial situation. With many medical bills, my husband's loss of job, we are struggling. I have, however, found empowering tools to combat my situation. Keep moving forward! Don't give up!
Amie

Mary, you need to be good to yourself!! We all get into situations from time to time that drain our finances whether it be the loss of a job, a loved one or just doing something we shouldn't have done. We are, after all, just human. Forgive yourself...and move on...you are doing all you can to correct the situation and turn your life around...that's a fantastic move!!! I don't know what kind of debt you have but if you post in the forums maybe we can give you some suggestions...I know with my situation it took me about 2 months to get on a plan...and now I do 2 things...I pay myself first...putting away $5 or $10. into a savings every paycheck before I do anything else...and on Sunday I allow myself 1 special treat...after balancing all the bills I take a small amount and use it for me...can be anything from my favorite candy bar...to renting a movie to share with a friend...a quick trip to Starbucks, etc. This feels like my reward for scraping through the week!! And if you stick around here...you will make friends!! There is a great group of people here from all over the states...no one judges and we all support each other....welcome!!

Welcome to the Community Mary :D Don't be embarrassed, we have all been there!! You ar in the right place and we are here to help you. It was really tough , and still is at times, when I first started getting debts paid off. It takes time, but it can be done. Morningstar is right, you have to treat yourself once in a while, even if it is a magazine, otherwise, you feel, what's the use. My mom taught me this, and said, that way you don't feel like all you do is work and see nothing for it, by treating yourself once in a while, it makes it a little easier. Feel free to ask questions, we are here to help..Karen

Don't feel bad about your situation, we have all been there. You know what you need to do to fix it, and that's a great start!
As another poster said, do be sure you take care of yourself though-- you need to treat you and you deserve it!
I know that after a loss in a family, that is a enough emotional stress in addition to financial stress, you have a right to feel 'down'. I hope you feel better and get out of debt soon :)

You have come to the right place for advice and support. It sounds as though you are already on the right track. We are here to give you any advice that you will need to be successful on your journey. Please ask any questions you like and someone will be along to give you advice on what to do.

Do not feel depressed anymore. You have seen the light and now things will be looking up for you. I promise.

ladybug

I too am glad to have found this. We are drowning in debt but it's nice to have people understand this that won't judge. Our family and friends would die if they knew.