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Trying To Help

Date: Fri, 01/06/2006 - 20:01

Submitted by shopaholic5
on Fri, 01/06/2006 - 20:01

Posts: 281 Credits: [Donate]

Total Replies: 31


I am trying to respond to topics in a helpful way, but it seems like I don't know as much as everyone else. I want to help people as much as I can seeing how you all were there when I needed questions answered. I am trying to learn more about debt issues that I haven't had experience with just for my own knowelege as well as to help others.

I hope to learn more soon so I am able to help the new members. So any advice from the old school debt helpers is greatly appreciated. I hope everyone has a good weekend!

Thanks.

-shopaholic


I have also learned alot since coming to this board.Being in debt myself :( has taught me alot and I am happy when I can help someone on this forum.I was a HR manager for over 20 years before my current job,so I do know alot about employment laws and garnishments.Sometimes those who come here just need advice,but there always seems to be someone here who can give the anwsers to questions when needed.The more you read here,the more you learn.Every bit of advice you can give,from your own experiences, will help someone who is going thru hard times.Sometimes its just nice to know that your not alone.
Good luck to you Shopaholic and keep posting.
twokid


lrhall41

Submitted by twokidtwocat on Fri, 01/06/2006 - 20:21

( Posts: 602 | Credits: )


shopaholic5,

Keep reading this forum religiously. You are already doing a good job here. The moderators, debt Samaritans and some of the community members of this forum have a huge knowledge on the financial industry.

Keep learning from the posts here and soon, you too will be able to offer good advice. Maybe, I will get struck with some query and I will come to you for suggestions. I know, you will be able to help us out. :D


lrhall41

Submitted by david on Sat, 01/07/2006 - 08:26

( Posts: 1229 | Credits: )


Hi Shopaholic,

I am learning so much myself. It's nice to know that we have somewhere to go with our debt issues and to discuss these issues with others. Before, I felt totally alone. Here, we learn to correct the behaviors and past mistakes. We learn how to budget and face those collection calls. In fact, I have enjoyed the research so much that I've done here and on my own, that I've decided to go back to school. I would like to study something in the criminal justice field. Dealing with payday lenders has left me frustrated and angry. I know I got myself into the situation but it's up to us to teach those around us to stay away from them, etc. So something positive has come from a severe negative. :D


lrhall41

Submitted by Cow & Chicken on Mon, 01/16/2006 - 12:47

( Posts: 3571 | Credits: )


Hi! I don't have all the answers either but here is my take on it. This is something I posted to David a couple of days ago.
Quote:

David, you're right and stumbling upon this community, is the best thing thats happened to me since the beginning of all my debt problems! It feels so good here, everyone trying to help each other, we all 'knowing the feeling' and being in the same boat together. THe people here are just awesome. I am so glad that I have a place to come to, to talk and share my debt troubles when I feel the world is kicking me while I'm down. It really does make a difference. And you know sometimes, someone sharing a smile or a pat on the back can really make a big difference. I try to think of it like this, that next person that comes through the door here at the forum, you don't know what they've been through/what they're going through...their life might be sooo bad that they're thinking of ending it all, thats just how doom and gloom they feel. They just can't deal with the debts, the harrassments, the phone calls etc, But someone here says something, encourages them, give them a smile and tries to lift them up a little by saying, 'hey, its not as bad as you might think'--keep plugging, it will get better for you' and gives them a little hope. See to me, this is what its all about. I'm not a mod here or anything, just a joe blow debtor, but I've learned alot and have been through alot. so sometimes I jump in and try to help--if its something I know about. I've noticed that some of the others are doing this too. This is just a great place to be!!!! hugs, shirley


I have learned so much here and only hope that someone has learned something from me, my way of 'putting back in'. shirley :D


lrhall41

Submitted by imkimssister on Mon, 01/16/2006 - 16:17

( Posts: 1301 | Credits: )


Yes Shirley, you are doing a great job now. As I said in my previous post, you don't want others to go through the same problems in which you have already been and some suggestions from your side can save their unnecessary work and precious time. Do keep up the good work :D

BTW, Happy birthday to you once again :D


lrhall41

Submitted by roxette on Mon, 01/16/2006 - 16:26

( Posts: 4009 | Credits: )


Thanks two kid. I am searching for criminal justice programs in my area this week. I'm really excited about it. My family says I will be good at it. My mom said she sees passion in my eyes when I talk to her about the research I've recently done and the things that I've learned. Roxette, you are absolutely gorgeous :-) I've been meaning to say that and I hope things are going well for you.


lrhall41

Submitted by Cow & Chicken on Tue, 01/17/2006 - 07:44

( Posts: 3571 | Credits: )


I'm a little down today. Didn't get any bad news in the mail, so theres a plus. Thats always a good thing, right??!!! And I have managed to stop all the phone calls so now my phone never rings unless its someone that I WANT to talk to. But my husband was overhearing talk at work today about cut backs because business and profit are slow right now. and I couldn't help but to think, oh no, here we go again!!!! This is what got us in the spot we're in now. (and THIS is the same exact job that layed him off before) So now I'm really pushing to pay off as much as I can as fast as I can, in case this 'water cooler' talk is true. This is my plan of attack. :cry: Shirley


lrhall41

Submitted by imkimssister on Wed, 01/18/2006 - 14:21

( Posts: 1301 | Credits: )


When my husband transfered with his previous company in Iowa, he was told that he job was secure here, then 10 months later they shut the plant doors. The twins were 10days old. We had to cash in his retirement to pay bills til he found this job. With the way things are going now, and the economy the way it is, we are regretting cashing in the retirement. Looks pretty stable as long as people keep buying cars so his company can keep making parts.


lrhall41

Submitted by Not so Lucky on Thu, 01/19/2006 - 07:43

( Posts: 3041 | Credits: )


well small world! My husband is a truck driver and once delivered car parts to dealerships. your husband makes car parts, my husband delivered them. He now goes from memphis to st louis every day running 'whirlpool' appliance loads. Right now business is slow. They think that once new orleans starts to rebuild and put their peices back together, every one is going to need appliances and business will be booming again but thats not now. shirley


lrhall41

Submitted by imkimssister on Thu, 01/19/2006 - 08:07

( Posts: 1301 | Credits: )


The economy is a tough one right now. I have a forty-five mile commute one way to work. Nothings pays well right where I live. I've been with my present company for five years and I know my job is stable. I know what it's like to be out of work and the bills piling up. I thought about borrowing money from my 401k to pays some of these payday loans off but I'm glad I didn't.


lrhall41

Submitted by Cow & Chicken on Thu, 01/19/2006 - 12:03

( Posts: 3571 | Credits: )


msmishele30
you're right in your thinking. Those loans will be paid off in time, but you have to protect your future with your 401k, cause as bad as things seem now with the economy, think of what it will be like when we get ready for retirement. I feel we will need all the help we can get and have to have had a plan in place to protect ourselves.
My husband has to drive 30 miles one way, not as far as you have to, but these days if you have a secure dependable job, you have to hang on it it at all cost. what do they say, a bird in hand is better than two in the bush. shirley


lrhall41

Submitted by imkimssister on Thu, 01/19/2006 - 12:33

( Posts: 1301 | Credits: )


Hey Shirley,

I got my high school transcripts today. I only went for one quarter of college after high school but I didn't finish that either. I'm going to do some searching online to find programs in my area!!! It's great to find something I enjoy so much. Can you tell!!! Thanks again :-) You've been a big inspiration to me.


lrhall41

Submitted by Cow & Chicken on Thu, 01/19/2006 - 15:50

( Posts: 3571 | Credits: )


Mom of Twins,

I hope your mom does join this forum. That way she won't feel so alone. It did me a world of good. The past month has been great here. She would be anonymous and I think talking about her problems would be a great asset. I don't feel ashamed anymore of the payday loan trap. I know there is a light at the end of the tunnel. My hubby and I have been creating a budget slowly. One step at a time and we've learned a lot.


lrhall41

Submitted by Cow & Chicken on Fri, 01/20/2006 - 06:54

( Posts: 3571 | Credits: )