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Replies to '09/15 Money Matters: Surviving the Crisis'
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September 15, 2008, 4:47 am PDT
 Quote From: tripor I just cannot believe that these people were so blessed to have gotten an extreme home makeover and then they went over their head especially after going through a money crisis. My husband have been going through a money crisis going on eight years now. Not through anything we had control of . We bought our first home here in the desert in California for 152,000.00 and then the inevitable and cold hard luck surfaced. My husband lost his job and retirement benefits due to injuries sustained while employed at his place of employment (21 yrs) We know they discriminated against him but because we are the small people and the company has the power we could never win this one! Our circumstances became worse and worse to the point of getting so into debt just to make a living and then we refinanced and got sued from an creditor for 32,000.00 for an outstanding bill of 11,000.00 and there was not a thing we could do. We were not even served with papers to go to court or anything, this creditor simply just was smart and took it out of our refinance, not to mention the finance charges , points etc...although we paid some of our bigger bills, but when we got sued for the 32,000.00 which would have paid all our bills, we are now in a loan balance of 278,000.00 which I am only paying the minimum while interest is added just so that we can have a place to live. And what I am posting here is not even all of it just a small fraction of what we have been through, believe me it gets worse...but while I do not want any sympathy because this is part of life somedays are good and somedays are bad, but it has brought me back to my faith with God and I know that whatever happens, we can only do the best with what we have and I truly hope these people that had a chance of a lifetime to get their dreamhouse makeover certainly don't take another chance for granted....I pray that they will have learned something from it because it is through our mistakes that we can learn......Tricia Hi Tricia I just want to clarify something because I have an earlier post on this board where I seem unsympathtetic to people with financial difficulties. In my post I am referring to people who have problems because they behaved irresponsibly financially. I am not referring to people such as you who are in difficulty due to circumstances beyond your control. I do wish you and your husband the best of luck in working things out.
Like you, I too am surprised at people who (very fortunately) got a home makeover and then proceeded to behave irresponsibly with money and got themselves into a mess. These are exactly the types of people I was referring to in my original post, and I can't muster up any sympathy for them. It is the type of person who wants instant gratification and who will not put a dime into savings that I don't feel sorry for. The person who buys things to show off, and then does not have the money to pay off the credit card bills when they come rolling in. And the type of person who spends and spends and then goes running to Mommy and Daddy to bail him or herself out, well into middle age. (Those parents who give these kids money are enablers by the way)
It is the frivolous, show-offy spender that needs immediate gratification and doesn't have the money to back their purchases that I have no respect for. These people ultimately cost people like me ( who has always behaved responsibly financially) money when they can't pay their bills. |
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