On the edge..........new here
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|Sat, 05-24-2003 - 1:26am|
I am in heavy credit card debt (about 8k) with student loans and a car payment. I am single living on one paycheck. I am not and never have been late on any payment (except the car payment which goes to my parents--but carries more guilt than the rest combined as they never ask for the money) but I am so close to going over the edge to the point where I can't pay the credit cards. I may be laid off from my job in the next month, and been despartly trying to find a second part time job. I am reluctant to consolidate as it may hurt my credit rating and some of my rates are not too bad. So I feel that I am stuck barely paying the minimums and not getting anywhere. I have no savings and fear how I will pay if my car breaks down or some other unexpected expense arises.
I feel I cannot talk to any of my family as it is too embarassing. My parents raised nine kids and now own their home with no morgage by being smart and frugale and thus I feel like a failure.
Reading the other posts and tips on this board has opened my eyes as to why I have spent so foolisly. Thank you for listening to me as I feel better allready getting it out in the open, it has been my dark little (well not so little) secret.
JK in IA