Replies to 'Debt'

It sounds like a I hit a nerve with you. I have a tendency to do that when someone sounds like they are complaining or just looking for empathy... mainly because I've found that people who gave me empathy for my problems never really helped me but allowed me to go further into frustration and blaming my problems else where instead of looking at why I got into such a bad financial situation to begin with. Yes, it was all my own doing. Millions of people out there are so unprepared for financial problems and don't want to take responsibility for it. I made a great decision to change my situation, no matter what it took and I started with changing my biggest problem and this was my attitude.

It's time we all look at the condition of our ecomonic problems in our society and it starts with ONE person at a time.

There is a way to start getting from under all the bills and start saving money... but it does take time, effort and a lot of sacrifice. Many people don't want to hear that because we live in a society where we want things overnight ... self indulgence and instant gratification... that's how many of us get into debt in the first place. It's when something happens like a major medical problem or losing the job that opens a person's eyes.

I'm sorry if I offended you in any way, because this was not my intention. I was just responding to the way your OP sounded and it sounded like you were playing a blame game on this country and your state.

Maybe there are some of your bills you can completely do away or downgrade with by making an assessment of your real needs -vs- wants. Maybe you are familiar with all kinds of tips to start living an ultra frugal lifestyle -even for a temporary amount of time to get out of the situation you're in. I do understand what it's like - I've done it. Many people balk at the idea of going without a cell phone or canceling cable or satelite TV or driving a cheaper car or doing without their favorite more expensive name brand products and foods ...etc... and then they complain that they can't pay there bills or save money. What they don't realize is that those above "things" don't make life happier or even easier at times.

Also many people can sit around saying ... " I know, I know ... I wasn't born yesterday" But when it comes down to actually putting all of that into practice, they don't want to put forth the effort and they are afraid to change.

So be aware that all of this isn't direct at just you and your OP. It's a message that millions of other people may need to read.

Thanks

Karolina