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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Remember you did what you did based on the information you had at that time.
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