Drowning in Debt
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Drowning in Debt
| Wed, 04-13-2005 - 8:58pm |
Not much has changed since the last time I was on here. I had a phone counseling appt the other day with one of Dave Ramsey's financial counselors. I thought it went pretty well. They want to try this thing called a Pro Rata plan where you divide the debt up and send a copy of the letter, your monthly budget, and a payment to your creditors. I hate talking to creditors!! I need to really get on writing them a do not call letter at my place of employment certified mail. One called me at the daycare today. It completely ruined my day. There are 3 employees at the daycare including me and the owner. I am not exactly in the best position to be discussing financial affairs with them when my boss who has no clue what's going is standing right there. Thank God they called me when she went on break. It just kills me how they could care less if they are breaking the law by calling me at work. I was really feeling like things were going to work out and I was feeling so positive after reading Dave's book and talking to his counselor. Now I feel the complete opposite. I know that's what the creidtors job is to evoke emotions but I can't help it. I just feel like I really screwed up bad and I just don't know what the answer is to all of this. I am sick to death of this whole situation and it makes me feel horrible-just knowing I have all of this debt looming over me and dealing with creditors. I am hoping to hear back about a full time job which if I get it will increase my income an additional $500 a month. It doesn't start until May 23rd even if I do get it. Plus I don't know what I am going to do about school in the fall if I take this job b/c of the hours it requires. I can't afford not to take the job. Sorry to ramble but I am feeling so hopeless and lost today it's crazy. Thanks

Hang in there!!!
Becky
CL of 4th, 5th & 6th grade Scoliosis