Is it normal....?
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| Wed, 01-14-2009 - 7:50pm |
For things to get worse before they get better? Back in November we realized that we were headed for serious trouble and we needed to make some changes. Due to past mistakes our CC interest rates are through the roof, our HELOC was suspended because we had a 30 day late payment (which I'm not even sure was a full 30 days late, but I need to go back and check my records), and our Citibank card cut our available credit in half. We have no savings and due to a stupid mistake a few weeks ago we were slammed with 8 overdraft charges. We have about $30 to last us until DH gets paid again on the 23rd. We have enough groceries, except for milk and a couple of other items, nothing major.
Since we've been trying to turn things around it seems like we're constantly juggling just to get by. I keep thinking things will get better soon, but it hasn't happened yet. It just feels like we're struggling more and more. I don't know how we'll turn things around when we're barely making it with the minimums now. It's just so frustrating to be working so hard at it and seeing no progress.
Is this normal?






Hi, Fire Bug,
I'm going to say it probably is normal, just not desireable.
Yes.
Teresa
http://www.affordingpickles.blogspot.com
Think of it this way (this is the way I try to see things) if you didn't have the grip you have on your finances like you do (be it as dismal as you may THINK it is) it would be 10x worse.
If I hadn't gotten a grip on my c/c issues when I did in July I would be SO much worse now in January. I started when I did and I had a lot of stumbles along the way. It's frustrating. Exhausting. Discouraging.
BUT, each time you mess up and get an overdraft or realize a bill is late is one time that you learn a lesson to make every effort to not let that happen again. Betcha next b-day party you plan plan plan and budget budget budget. Life happens. We aren't perfect people. If it was that easy to get out of debt this board wouldn't exist.
Chin up. Start over and be proud of where you are. You are doing great.