it is never ending
Date: Thu, 01/08/2009 - 09:40
well, i am alot like everyone in debt. mine started when i got married 20 years ago, things were good at first, then i quit my job to stay home and keep my kids, that lead to using credit cards for everything, never using cash. it escalated into mounds of debt, could not even pay my 400.00 house payment, finally i just stopped, i could not do it, i stopped paying creditors, i got in some check trouble, and it has been that way ever since. of course to this day, my credit is ruined, and will probably be for a long time. my fault, my responsiblity.
we moved into another house, more expensive(donot know what we were thinking), and things have really not changed alot, except we have no credit cards, and have not for years, that is probably the best thing. we can never get ahead, we are always behind, always trying to work it out with whoever we owe. my dad died a year ago, he was always giving me money to get by, and now that i am really on my own, it is not good. things seem very out of reach, even though we donot have alot of bills. once you are behind, it is so hard to catch up. i have borrowed from friends and family, and i still owe some of them, i try to keep up with that. i still have hope, if i could just get enough money to get everything caught up, i would be good, i am not asking them to be paid off, just caught up. i am a beleiver in god, alot of faith, i think has gotten me through without a nervous breakdown. i am the one at fault for all of this, and my husband was an innocent bystander, and he cannot fix my mistakes. if i have learned anything from this, ,it is a start. i try everyday to think of something to fix this, i will until the day i die. i am lucky enough to have a very loving family, and great friends, and alot of faith. the only thing i would ever do different in my life, is to always always pay with cash, and be on time. hopefully 2009 will be a much better year. good luck to everyone, things do get better!
we moved into another house, more expensive(donot know what we were thinking), and things have really not changed alot, except we have no credit cards, and have not for years, that is probably the best thing. we can never get ahead, we are always behind, always trying to work it out with whoever we owe. my dad died a year ago, he was always giving me money to get by, and now that i am really on my own, it is not good. things seem very out of reach, even though we donot have alot of bills. once you are behind, it is so hard to catch up. i have borrowed from friends and family, and i still owe some of them, i try to keep up with that. i still have hope, if i could just get enough money to get everything caught up, i would be good, i am not asking them to be paid off, just caught up. i am a beleiver in god, alot of faith, i think has gotten me through without a nervous breakdown. i am the one at fault for all of this, and my husband was an innocent bystander, and he cannot fix my mistakes. if i have learned anything from this, ,it is a start. i try everyday to think of something to fix this, i will until the day i die. i am lucky enough to have a very loving family, and great friends, and alot of faith. the only thing i would ever do different in my life, is to always always pay with cash, and be on time. hopefully 2009 will be a much better year. good luck to everyone, things do get better!
mrs cool - do you have NO credit cards, or do you have some an
mrs cool -
do you have NO credit cards, or do you have some and just not use them?
If you have access to credit cards, I can think of ONE solution you might try out, a form of discharging debt, but if you don't, you'll need to just bite the bullet and start taking out extra jobs, or cutting back on expenses in all areas, etc
Which you should probably start doing anyway, at this point
