Posted by KimberlyDi on August 6, 2003, at 15:59:26
In reply to I'm a spendaholic, posted by Dinah on August 5, 2003, at 20:53:29
Dinah,
I crashed severely in 1997 with credit card debt and heartbreak. I attempted Consumer Credit Counseling Services for 2.5 years (after 1 year of never opening my bills). I even managed to hold onto my house, it's a small one. But when I had to get a new car, CCCS payments went out the window. Well, my credit sucked. I couldn't finance anything. I could only purchase something after I saved enough money. For the past 6 years, I've been broke. It's a state of mind. It's acceptable. Just keep trudging along and do what you can. Then, a few days ago, I realized that I'm getting there. My house went up in value ($30k equity), my car is almost paid for, the wreck went off my driving record, I'm contributing to a 401k at work, etc.
Everything is falling into place. I finally went from a self-perceived loser to someone who has achieved something to be proud of. So HAVE HOPE. Baby steps add up. Don't let it overwhelm you.
KDi in Texas
> And tomorrow, my debt consolidation loan will go through. And I will cut up my cards and cancel them.
>
> And I think my minimum expenditures are more than I make. I need to either work more hours or find some way to cut expenses. But I'm only counting the minimum expenditures, so there's nothing to cut. Except therapy. And even that may not do it.
>
> So I need to work more hours. But I have come to the sad conclusion that this *is* as good as I can do, workwise. But I *have* to do better.
>
> I'm not in a good place today.
>
poster:KimberlyDi
thread:248407
URL: http://www.dr-bob.org/babble/social/20030727/msgs/248680.html