Hi You Guys! Still Here!
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Hi You Guys! Still Here!
| Thu, 03-16-2006 - 5:18pm |
First of all, I just wanted to thank you all for the many responses to my posts. It is nice to have such support. The last time I posted, I think I had $15, no gas in my car and worried sick about my mortgage payment. I get sick with shame when I paint myself into a corner like this. In desperation, I tried to apply for a loan or another credit card just to have money to get me through the week! I was turned down, over and over. I was maxed out and it's the worst feeling in the world. I had no choice but to get up the next morning and call my mom to ask her to pay my mortgage. Thank God she gave me the money when she did because they took the payment out of my account earlier than usual. I hate relying on my mother for money and I hate not being able to pay her back. I told her that one day, I hope I can at least pay some of the money back but she told me not to worry. In the past week, there have been very strange turnarounds. All of a sudden, I qualify for a low interest loan from ING which turned me down twice for loans. Then I got two credit cards in the mail and it was just weeks ago when I couldn't get one. I don't understand it all but the low interest loan will help me consolidate some of my debts. So, other than my mortgage payment, I will have two big payments a month. This will provide some relief. I put ads in the paper and sold everything I could think of. I would rather strip my home bare except for one room than lose my house altogether. I got a few people buying things and so I listed a whole bunch of other items but nobody has called. When I use the loan money to pay off my credit card, I am closing the account so I will not be tempted to use it again. I've already closed another account. I experienced living without money worries for a short while and it was the most wonderful feeling in the world. In the situation I described in my last post, it is impossible to feel any dignity or self-worth, especially when you are constantly faced with rejection for loans and purchases. It's embarrassing and I see a huge difference between the way people at the bank and creditors address you when you do and don't have money. They shouldn't, but they do! I want my dignity back. I want to stop sleeping all the time and clean my house. I want to experience pride by lowering my debt. Paying off debt does much much more than free up some money for you, you feel better about yourself. As I mentioned before, I am a recovering Bulimic and so always ate out so I wasn't tempted by food in the fridge. I managed to find some healthy and tasty frozen meals that I can eat instead of the fast food. I still do go out here and there because I'm afraid the feeling of deprivation will propel me in the wrong direction AGAIN. Today, I can breathe a little easier thanks to my mother and all of you who were so supportive and non-judgemental. I am definitely sticking around for a while! Today I went to About.com and printed out lots of articles on reducing debt. I need to stay commited and with your help, maybe I can so thanks so much.

Hello,
I'm glad you were able to find some comfort and support on this board. We do have fun here, even though we're all struggling with debt of some kind. =)
Sincerely,
Lindsey Schocke
Sincerely,
Lindsey Schocke
Geeks on Tap: Mission Accomplished
Thank you for coming back and letting us know you are ok and taking positive action. You have a lot of friends and support here.
Stick around. It's great to know you aren't the only one huh!
Carolyn
Travi
I understand what you are saying travinski: it's counting your blessings and you have many to count.
Keep your chin up.
Carolyn
Travinski,
I'm glad to see your post and know that things are heading in a more positive direction. Keep at it, one day at a time, and please continue to post here if you can...the supportiveness of the members is really encouraging!
Take care,
Kassandra
Kassandra
"It is said that life has its peaks and valleys. The challenge is to accept them equally and experience them