A Fresh Start
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| Sun, 10-26-2008 - 2:54pm |
Hi everyone. Most here probably don't know me but I was on this board a lot a year or so ago. I was on the verge of suicide. I had got myself in so much debt, sometimes I had no money to get to work. My family thought I was gambling online and that was why I was broke. I nearly went out of my mind!!! I couldn't sleep, I couldn't eat........finally, I had to take a leave from work because I didn't have the mental or physical energy to even go to work. I was about $55,000 in debt and had a mortgage on my house. I am divorced and so had only my income to rely on. I maxed out - like in a drunken stupor, I charged myself into a position where I couldn't charge anymore and that's when my world turned hellish - not being able to pay bills, creditors calling me at work, etc. I thought there would be no end.
Some encouraged me to claim bankruptcy and I wish I had done it when they first suggested it. Instead I waited until the last possible moment and finally gave up the fight. I declared bankruptcy and lost my house. My life was a NIGHTMARE!
I got an apartment and joined Debtors Anonymous. Since then, life has become easier. I read the book, "How to Get out of Debt and Live Prosperously" by Jerrald Mundis and attend weekly meetings. I also participate in telephone meetings. This group has REALLY turned me around.
What we have (or most of us have) is a disease of compulsivity. We aren't bad, terrible or stupid - unfortunately, we were born with this kind of addiction of sorts. I have found much peace and promise in Debtors Anonymous and have forgiven myself for the mistakes I made. I take things one day at a time and don't borrow money anymore. Geesh...I had lines of credit, credit cards, payday loans...the works! I am so glad to be free of all this. If you think you might be a compulsive spender, go to debtorsanonymous.org - I think they have some questions for you to ask yourself to see if you are

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Sarah
http://finallyasurveysitethatpays.blogspot.com/
Sarah
http://marilynmonroeshop.info
Travi:
So happy to hear that you are doing well. I remember well the many struggles you went through.
Hope you stick around!
Dee
I also remember you Travi and I am happy to know that things are much easier than it was before!
I am however sorry to read that you lost your father to cancer recently; my thoughts are with you!
Please continue to post and believer that each day can bring you a moment and more of joy and positivity, because it will get better; it alreay has.
Kassandra
"It is said that life has its peaks and valleys.
Kassandra
"It is said that life has its peaks and valleys. The challenge is to accept them equally and experience them
I was a lurker when you were last posting, but I do remember you.
Its good to hear that you are in a better place with your financial situation now.
Its a shame to hear that you have lost your father. I always stinks to lose a parent but as one of the others have said it does get easier even though it doesn't feel like it right now.
Travi!
I was so glad to come to the board today and see your post! I'm mostly a lurker these days, but I remember you. Over the past several months there have been posts asking if anyone had heard from you. I am so happy to hear you are doing better! Way to go!! I'm sorry to hear about your father's death. Hang in there, keep moving forward as you have been. I'm proud of you!
Anne
I would never go so far to say that bankruptcy was wonderful.
Travi
Ok, maybe wonderful is too strong of a word, but the creditors just hounded me. Plus while in Chapter 13, I got to keep my house. So, my dog and kids didn't suffer, but my anxiety level is way down. It will be way - way down four years from now when I finish my bankruptcy payments.
- Marlon
I've been thinking about you.
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