Topic : Debt
Join the new Dr. Phil Community! Currently in BETA, the new Dr. Phil Community will allow you to personalize your message board experience. Start by creating your user profile here.
For help and FAQs on the new BETA Community, please click here.
|
August 28, 2006, 4:29 am PDT
 Quote From: renagade Yes I am in debt, not sure how much 15k, 20k. It doesn't matter to me like it's got sooo many people going nuts.
This book I mentioned - the basics of it are that the author had his real dad who had an earned phd and died broke, his best friend in school dad never went to high school and died leaving his family a multimillion estate.
These two dad only agreed that Tuesday comes after Monday and education is the best thing for you. The educated dad believed that you should work hard for your money and the 'uneducated' dad believed that you should let your money work hard for you.
The authoir was able to retire at 40 a millionaire
It pains me when people get themselves into debt, but it really bothers me when these 'financial experts' also don't make a plan for these people to not only get out of debt but also at the same time create a plan for at least financial independence.
Couldn't find the 'debt steps' on yahoo last nite.
Rog
I havent read that book yet (along with all the other books related to fiances/debt that I've read) but read an article that the author of that book wrote last week on Yahoo Finance. He writes for them regularly, I believe.
It really doesn't bother you to be upto 20K in debt? Is it with credit cards or do you have other debts, such as auto loans, mortgage...etc..?
I understand your desire to be financial secure in 3-5 years, though. I really don't believe there is such as thing as get rich quick scheme in this world. It seems to me that there is an amount of time, dedication and hard work that turns into financial success. There is also a risk factor involved. Sometimes you see stories of how fast "person A" got rich, but I think it's all hype. They never show how many times that person may have struggled and failed for like 10 or 15 years.
What do you think about that?
But the main purpose of this message board is not how to get rich or financially secure, it's to help people to get through the turmoil of the debt they face now. Many times that state of life gives a person blinders to see past it very easilly and they need mental and emotional support from others who are on the other side. Being in debt is not a disease, but the same principles to aleve the symptons of something like alcoholism or drug addiction can be used.... ONE DAY AT A TIME. Creating a plan for financial independence is an important step after the debts are gone or close to gone, I think. It's easier and more relaxed then. It gives a person the freedom to start using some newly gained wisdom, once the debt is gone.
I can't say that I'll NEVER be in debt again, but I take steps everyday to almost insure that I won't be and I've been debt free for 5 years now. My husbands been debt free for over 10 years.
Karolina
|
|
|
August 28, 2006, 8:20 am PDT
Quote From: KVL067 I havent read that book yet (along with all the other books related to fiances/debt that I've read) but read an article that the author of that book wrote last week on Yahoo Finance. He writes for them regularly, I believe.
It really doesn't bother you to be upto 20K in debt? Is it with credit cards or do you have other debts, such as auto loans, mortgage...etc..?
I understand your desire to be financial secure in 3-5 years, though. I really don't believe there is such as thing as get rich quick scheme in this world. It seems to me that there is an amount of time, dedication and hard work that turns into financial success. There is also a risk factor involved. Sometimes you see stories of how fast "person A" got rich, but I think it's all hype. They never show how many times that person may have struggled and failed for like 10 or 15 years.
What do you think about that?
But the main purpose of this message board is not how to get rich or financially secure, it's to help people to get through the turmoil of the debt they face now. Many times that state of life gives a person blinders to see past it very easilly and they need mental and emotional support from others who are on the other side. Being in debt is not a disease, but the same principles to aleve the symptons of something like alcoholism or drug addiction can be used.... ONE DAY AT A TIME. Creating a plan for financial independence is an important step after the debts are gone or close to gone, I think. It's easier and more relaxed then. It gives a person the freedom to start using some newly gained wisdom, once the debt is gone.
I can't say that I'll NEVER be in debt again, but I take steps everyday to almost insure that I won't be and I've been debt free for 5 years now. My husbands been debt free for over 10 years.
Karolina
No it really doesn't bother me to be in debt - why? Simply stated because I know that like before I will be out of debt. I feel that one of the causes of people going nuts is because they focus on their debt Instead of focusing on getting out of debt by creating a financial future at the same time - I know I came from that mentality until I read Rich Dad and listened to others who had made it and heard where they came from.
Nobody can get rich quick unless they win the lottery on their first try. What I am talking about is putting yourself on a path to at least financial indepenednce in the shortest time possible. Yes there is a risk factor - no pain, no gain, no risk - no reward!!! I am an investor in the penny stocks - those Ha Ha Ha Fools stock - One of my companies is starting to go places.
I feel the purpose of this board is to help people see all ways. How to get out of debt AND secure a financial future.
Waiting to be debt free before you try for financial independence I feel is keeping yourself a slave to a paycheck and not getting anywhere. They should be started at the same time.
You can't say that you'll never be in debt again - I can say that if you start planning a financial future for yourself you can prevent that from happening.
Rog |
|
|
August 28, 2006, 10:54 am PDT
Hi All, I don't even know if I am doing this right. I tried to start a new thread, but this is the only way I could figure out where to start.
For close to 7 years, I was a District Sales Manager with Maytag Appliances here in Miami calling on large national account retailers. I adored my job; did it well; was compensated nicely; and could come and go as I pleased as long as the work was done. It was an outside-on-the-road job, and I loved it. Don't get me wrong, it wasn't perfect, but my ENTIRE identity and self-worth were wrapped up in that job.
In 2004, Maytag began to fail financially. I had just completed my undergraduate degree online, and I became obsessed with getting out of there before the company was sold and I was laid-off. Keep in mind, this was all in my head, even though the company WAS sold. (I should point out here that I have had a problem with impulse control my entire life and am a recovering alcoholic and drug addict, sober 11 years).
This past February, I found a great job with an industry-leading fashion plumbing company for more money and a company car and a great Regional and sales team. I left Maytag, doing my best work until the very end.
Then, something happened inside me. I don't know whether something snapped; whether I had a mental breakdown, or what: I became an uncontrollable ball of nerves and anxiety; unable to sleep; severely depressed; horribly insecure, and afraid of my own shadow. I have always been prone to nervous anxiety, but in the past fear had fueled me, not immobilized or crippled me.
It got so bad that when I would go to corporate for training, they would call my boss and tell him I was stressing really badly. He called me and asked what he and the company could do to help; and offerred the Employee Assistance Program. Afraid of being fired, I told him I would continue to give him my best, but that I would go to a therapist and my physician for help first so I wouldn't have to miss any work.
The company was perfectly happy with the job I was doing; and constantly told me it would take me two years on the learning curve to feel comfortable, and that that was normal.
But my head was out of control.
I went to a psychologist, and my physician put me on antidepressants. My symptoms got worse. Convulsions at night and in the mornings, coupled with night sweats and shivering and shaking. I couldn't buy a night's sleep.
This went on for four months. Finally, I was put on a second antidepressant that would work with the one I took in the morning to help me sleep, and ALL I wanted to DO was sleep...but worse, I believe both of them together muddled my thoughts and my decision-making process.
In June, rationalizing that if I stayed on this job I would drink again or die, I quit abruptly, and away went my family's health benefits (I am also type 2 diabetic). Well, if I thought things were bad then......I basically bungee-jumped without having a cord on.
Thankfully, my wife earns a good living and manages our money well so we are not in mortal danger yet. YET. But I am consumed with guilt and remorse at my selfish stupidity and lack of impulse control; and for putting myself and my family in such a horrible position when all I had to do was call my boss and say, "I am having some problems and need to take advantage of the Employee Assistance Program" instead of quitting.
I have been actively looking for work since the day I left, but I am resigned to the fact that I am probably going to end up working retail at Home Depot just to grab something and have some money coming in from my end and to get benefits after 90 days because the job market is not good here in Miami. I have a stack of resumes I have submitted on my desk that is over 3" thick.
Worse still, I am so guilt-ridden and depressed that I have had thoughts of killing myself, but I would never do that and harm my wife or my family in that way; but then, who thought I would ever harm them by quitting my job like I did?
IF ANYONE OUT THERE HAS ANY WORDS OF HOPE THEY CAN OFFER ME, PLEASE POST HERE OR EMAIL ME AT: wizardofosrin@aol.com
I feel as though I used to be 'somebody', and now I have gone and thrown it all away and am 'nobody'. Worse still, I have no confidence in myself because of what I did, and am living in a constant state of fear and anxiety that at times is simply crushing.
P-L-E-A-S-E H-E-L-P
|
|
|
August 29, 2006, 8:29 pm PDT
Quote From: mrimpulsive Hi All, I don't even know if I am doing this right. I tried to start a new thread, but this is the only way I could figure out where to start.
For close to 7 years, I was a District Sales Manager with Maytag Appliances here in Miami calling on large national account retailers. I adored my job; did it well; was compensated nicely; and could come and go as I pleased as long as the work was done. It was an outside-on-the-road job, and I loved it. Don't get me wrong, it wasn't perfect, but my ENTIRE identity and self-worth were wrapped up in that job.
In 2004, Maytag began to fail financially. I had just completed my undergraduate degree online, and I became obsessed with getting out of there before the company was sold and I was laid-off. Keep in mind, this was all in my head, even though the company WAS sold. (I should point out here that I have had a problem with impulse control my entire life and am a recovering alcoholic and drug addict, sober 11 years).
This past February, I found a great job with an industry-leading fashion plumbing company for more money and a company car and a great Regional and sales team. I left Maytag, doing my best work until the very end.
Then, something happened inside me. I don't know whether something snapped; whether I had a mental breakdown, or what: I became an uncontrollable ball of nerves and anxiety; unable to sleep; severely depressed; horribly insecure, and afraid of my own shadow. I have always been prone to nervous anxiety, but in the past fear had fueled me, not immobilized or crippled me.
It got so bad that when I would go to corporate for training, they would call my boss and tell him I was stressing really badly. He called me and asked what he and the company could do to help; and offerred the Employee Assistance Program. Afraid of being fired, I told him I would continue to give him my best, but that I would go to a therapist and my physician for help first so I wouldn't have to miss any work.
The company was perfectly happy with the job I was doing; and constantly told me it would take me two years on the learning curve to feel comfortable, and that that was normal.
But my head was out of control.
I went to a psychologist, and my physician put me on antidepressants. My symptoms got worse. Convulsions at night and in the mornings, coupled with night sweats and shivering and shaking. I couldn't buy a night's sleep.
This went on for four months. Finally, I was put on a second antidepressant that would work with the one I took in the morning to help me sleep, and ALL I wanted to DO was sleep...but worse, I believe both of them together muddled my thoughts and my decision-making process.
In June, rationalizing that if I stayed on this job I would drink again or die, I quit abruptly, and away went my family's health benefits (I am also type 2 diabetic). Well, if I thought things were bad then......I basically bungee-jumped without having a cord on.
Thankfully, my wife earns a good living and manages our money well so we are not in mortal danger yet. YET. But I am consumed with guilt and remorse at my selfish stupidity and lack of impulse control; and for putting myself and my family in such a horrible position when all I had to do was call my boss and say, "I am having some problems and need to take advantage of the Employee Assistance Program" instead of quitting.
I have been actively looking for work since the day I left, but I am resigned to the fact that I am probably going to end up working retail at Home Depot just to grab something and have some money coming in from my end and to get benefits after 90 days because the job market is not good here in Miami. I have a stack of resumes I have submitted on my desk that is over 3" thick.
Worse still, I am so guilt-ridden and depressed that I have had thoughts of killing myself, but I would never do that and harm my wife or my family in that way; but then, who thought I would ever harm them by quitting my job like I did?
IF ANYONE OUT THERE HAS ANY WORDS OF HOPE THEY CAN OFFER ME, PLEASE POST HERE OR EMAIL ME AT: wizardofosrin@aol.com
I feel as though I used to be 'somebody', and now I have gone and thrown it all away and am 'nobody'. Worse still, I have no confidence in myself because of what I did, and am living in a constant state of fear and anxiety that at times is simply crushing.
P-L-E-A-S-E H-E-L-P
I'm sorry you've had it so tough lately. Changing jobs can be VERY stressful. I too went to work in a position that had a 2 year learning curve, plus it was an extremely stressful atmosphere in which to work. I stayed for 5 years.
What is wrong with working at Home Depot? It will be good if you can get your family benefits. Also, a part-time job delivering pizzas 5 nights a week should bring in about $1500 dollars a month. Even if you are over qualified for these jobs, it will at least get you back in the work force and meeting people (who know where the jobs are) plus re-building your confidence. I, too, left my job abruptly, but fortunately my husband has a great job and I do not have to work. However, I am thinking of taking a part-time position, just to keep my hand in the workforce some.
Don't be too hard on yourself. It sounds as if you recognize your tendacies to be impulsive. Just start with small steps (keep your family in mind) and soon you'll be back in the groove again. Don;t forget that you still have your good experience w/Maytag for your resume and there are other jobs to which you can apply all that great experience. |
|
|
September 1, 2006, 6:44 am PDT
There is a major crisis with people falling into large credit card debt. Rather than going through the numbers, the statistics and ratios, to help you get a realistic view of your debt situation, this will give you a different perspective. On any article site, e-zine, printed newspaper or magazine, there are literary millions of write-ups about the condition of our national debt problem. We see TV reports and talkshows about this ever-growing problem. There are millions of tips about everything from debt consolidation, refinancing, and personal debt relief to the all important CREDIT SCORE. Now, here is a new and different mode of thinking. If you have credit card debt so extensive, that other financial problems have occurred in your life, why does the credit score really matter at this point? It’s really a low priority in the large scheme of more important life changes you need to start looking at making. If you already own a house, have a job and are to the point where you can’t make ends meet, that credit score will not help you now. So trying to repair it right away or keep it from getting worse is the least of your worries. If you are renting, now is the time to chalk your credit card debt up as a major life learning experience and start to change your attitude about the debt, to pave a healthy road towards future financial goals as well. It boils down to this, and reading every technicality about how to get out of debt, what will happen if you do A or B, will not solve the physical, mental and emotional turmoil that got you into debt in the first place. This is a task that will require a whole lot more dedication, than reading every source of information on the internet. There are not a lot of articles that deeply cover the changes you will have to make and the majority of them make it all sound so easy. It’s not easy to break free from using credit card unwisely when it’s a bad habit. It didn’t start out this way, but slowly it got out of hand, because after the bills started piling up and a few unexpected life emegencies happened, you became stuck. Stuck in vicious cycle and this is now the most important part of breaking that credit card habit. Some of the consequences are inevitable and can only be helped as time goes on, with your first decision to stop the cycle. Yes, it’s important to get help or advice if you have been subject to debt collection agencies. Find out what your rights are by gaining wisdom from those who have experienced it. People who are in debt are not happy with tendencies towards depression, stress and anxiety. They may start to incur physical health problems as a result. In turn medical care, especially with no insurance plan, causes more bills with added worry and stress. How will it all get paid? This is living a life, where falling apart financially has snowballed into physical, mental and emotional anguish. These three components are the core of your debt problem. There is definitely not enough focus on this aspect of it. Making a plan in your everyday to life start from there can and does actually help. There is a way to get a healthy balance of becoming debt free, learning wise budgeting skills, healthy spending and saving habits in order to become a whole and happy person. If this is where you need to start, the truth is that is not a quick, easy road. It may take more determination and discipline that you’ve ever put forth into anything. It will take sacrifice, with a realistic knowledge that it’s only temporary. Instant gratification, will need to be left behind hundred percent and the things you were always used to or liked may have to be given up. It’s worth it for your goal of paying off those credit card debts, while still maintaining the bills of your survivial in our culture. To avoid it or to try an easy way out, will only cause more pain and turmoil in the long run, while trying to make ends meet. When you succeed and start to see the end of the tunnel with your debts, the world will open up to you with a new found freedom, that’s more important than physical property, looking good on the outside and keeping up with the "Joneses". There will be a sense of peace and new maturity that will drive you to become proactive, not just with your finances but with many other areas in your life. This is the way happy people operate and you can obtain this goal. Happiness and freedom in life are virtues that need constant but well worth up keep.
Karolina |
|
|
September 4, 2006, 8:49 am PDT
I am in debt and currently going through bankruptcy. Cannot answer my phone because I know it is a bill collector. I am unemployed. When I go on msn.com I read all these articles that chapter 7 bankruptcys have risen over 54% and there is a big boom in bankruptcys. There was one article on msn.com about how not to pay your bills. It just tells you that if you don't have the money to pay all your bills which bill to pay first. I live in Ohio which is the #1 state for job loss. I just think we need a new president that will work to make the economy better. |
|
|
September 6, 2006, 5:36 am PDT
Quote From: shelly2003 I am in debt and currently going through bankruptcy. Cannot answer my phone because I know it is a bill collector. I am unemployed. When I go on msn.com I read all these articles that chapter 7 bankruptcys have risen over 54% and there is a big boom in bankruptcys. There was one article on msn.com about how not to pay your bills. It just tells you that if you don't have the money to pay all your bills which bill to pay first. I live in Ohio which is the #1 state for job loss. I just think we need a new president that will work to make the economy better. The very first thing to realize for yourself is this: it doesnt matter who is the president of this country. Blaming our president is a cop out- big time. Since your are going through bankruptcy and also unemployed, who is paying your legal fees, taxes and many of the other debts that can’t be discharged through bankruptcy? What is stopping you from finding work of any kind just have money coming in. My assessment has always been that many business owners (large and small) have a difficult time finding good, productive workers and people complain that they can’t get a job. If I was to the point where I had to survive, pay my bills and keep a roof over my head, I would work three or four part-time jobs (of anykind) to keep an income flowing and also to keep my self respect up. I would also find a way to cater to the needs and expectations of any company willing to hire me, by displaying an attitude that I’m the worker that they really need. Sitting around waiting for a perfect job, sometimes is waste of time, because it only does one thing to you and it kills your self esteem- everytime you get a NO or not even a response. I don’t know what you do for living, but surely the skills you know and have developed can be implemented into many differents kinds of jobs out there. It’s matter of your attitude and with the way your post reads –it sounds like you need to change it and stop blaming your state, and the president and start with focusing on YOU to change your financial situation. It is a sad reality about why these financial problems are happneing to millions of Americans, and I believe that we have set ourselves up for it, by making the same mistakes over and over again with our spending habits. Maybe it’s time we all learn something new – which isn’t really new- but it’s called SAVING money and learning some very basic spending priorities and budgeting skills. Anyone has the capability of doing this and completely changing their financial situation. I did it. I’m still learning more about building a healthy financial future, along with my husband.
Karolina |
|
|
September 6, 2006, 6:20 pm PDT
Quote From: mrimpulsive Hi All, I don't even know if I am doing this right. I tried to start a new thread, but this is the only way I could figure out where to start.
For close to 7 years, I was a District Sales Manager with Maytag Appliances here in Miami calling on large national account retailers. I adored my job; did it well; was compensated nicely; and could come and go as I pleased as long as the work was done. It was an outside-on-the-road job, and I loved it. Don't get me wrong, it wasn't perfect, but my ENTIRE identity and self-worth were wrapped up in that job.
In 2004, Maytag began to fail financially. I had just completed my undergraduate degree online, and I became obsessed with getting out of there before the company was sold and I was laid-off. Keep in mind, this was all in my head, even though the company WAS sold. (I should point out here that I have had a problem with impulse control my entire life and am a recovering alcoholic and drug addict, sober 11 years).
This past February, I found a great job with an industry-leading fashion plumbing company for more money and a company car and a great Regional and sales team. I left Maytag, doing my best work until the very end.
Then, something happened inside me. I don't know whether something snapped; whether I had a mental breakdown, or what: I became an uncontrollable ball of nerves and anxiety; unable to sleep; severely depressed; horribly insecure, and afraid of my own shadow. I have always been prone to nervous anxiety, but in the past fear had fueled me, not immobilized or crippled me.
It got so bad that when I would go to corporate for training, they would call my boss and tell him I was stressing really badly. He called me and asked what he and the company could do to help; and offerred the Employee Assistance Program. Afraid of being fired, I told him I would continue to give him my best, but that I would go to a therapist and my physician for help first so I wouldn't have to miss any work.
The company was perfectly happy with the job I was doing; and constantly told me it would take me two years on the learning curve to feel comfortable, and that that was normal.
But my head was out of control.
I went to a psychologist, and my physician put me on antidepressants. My symptoms got worse. Convulsions at night and in the mornings, coupled with night sweats and shivering and shaking. I couldn't buy a night's sleep.
This went on for four months. Finally, I was put on a second antidepressant that would work with the one I took in the morning to help me sleep, and ALL I wanted to DO was sleep...but worse, I believe both of them together muddled my thoughts and my decision-making process.
In June, rationalizing that if I stayed on this job I would drink again or die, I quit abruptly, and away went my family's health benefits (I am also type 2 diabetic). Well, if I thought things were bad then......I basically bungee-jumped without having a cord on.
Thankfully, my wife earns a good living and manages our money well so we are not in mortal danger yet. YET. But I am consumed with guilt and remorse at my selfish stupidity and lack of impulse control; and for putting myself and my family in such a horrible position when all I had to do was call my boss and say, "I am having some problems and need to take advantage of the Employee Assistance Program" instead of quitting.
I have been actively looking for work since the day I left, but I am resigned to the fact that I am probably going to end up working retail at Home Depot just to grab something and have some money coming in from my end and to get benefits after 90 days because the job market is not good here in Miami. I have a stack of resumes I have submitted on my desk that is over 3" thick.
Worse still, I am so guilt-ridden and depressed that I have had thoughts of killing myself, but I would never do that and harm my wife or my family in that way; but then, who thought I would ever harm them by quitting my job like I did?
IF ANYONE OUT THERE HAS ANY WORDS OF HOPE THEY CAN OFFER ME, PLEASE POST HERE OR EMAIL ME AT: wizardofosrin@aol.com
I feel as though I used to be 'somebody', and now I have gone and thrown it all away and am 'nobody'. Worse still, I have no confidence in myself because of what I did, and am living in a constant state of fear and anxiety that at times is simply crushing.
P-L-E-A-S-E H-E-L-P
Your story sounds so much like mine at this point in my life. I am still employed, although it doesn't do much for my situation. I got divorced a few years ago, and managed to buy this house for a good deal. After much remodeling, I racked up quite a debt. Now our overtime got cut at my job a few years back, bills increased two digits while my pay increase was lucky to see 3%. Finally this year, my company switched from our good insurance to this really shitty one that doesn't pay squat and you have to fight for every little thing. So me being impulsive like you and quite bullheaded on my own part, I dropped the coverage and got an individual plan-mostly since the insurance raised my copays to rediculous levels and stopped covering things altogether. Now due to increasing debt, increasing bills, and no raise this year until July, I had to let that go because I couldn't afford it anymore. All the while, I have been struggling to make it alone-I also lost a 2 1/2 year relationship that I thought was gonna be for life. Well, needless to say things have snowballed to the point I can't hardly get through the day. I am also attending school and creating more debt. I am still employed, but will not have insurance until January 1st, and that is if I am lucky and able to get it back. The crushing depression that comes with this is something I am very familiar with, and we shouldn't have to suffer being in the most advanced country in the world. beyond the corporate greed, I am in the same boat-I have taken antidepressants for years and had to stop due to cost. Now, I know I need help, without insurance there is no way out of this hell. I am familiar with being at the bottom-at least you have your wife's income-it is not hopeless yet. I am afraid this depression is going to get me to the point I will lose my job-my school ambition is already suffering as well-I too, wish for death nearly daily-i seems to be the only way out of this hell. I am with you and hoping the both of us find the strength to carry on. Talk to your wife and hang on-I talk to my animals since they are all I have, but it's something to stay for. You never know what contact you could make at home depot that could land you in something better-hang in there and I will do the same.......... |
|
|
September 6, 2006, 6:34 pm PDT
Quote From: shelly2003 I am in debt and currently going through bankruptcy. Cannot answer my phone because I know it is a bill collector. I am unemployed. When I go on msn.com I read all these articles that chapter 7 bankruptcys have risen over 54% and there is a big boom in bankruptcys. There was one article on msn.com about how not to pay your bills. It just tells you that if you don't have the money to pay all your bills which bill to pay first. I live in Ohio which is the #1 state for job loss. I just think we need a new president that will work to make the economy better. amen to that-he has gotten rich screwing us little folk. I also live in ohio and this place is baked..... |
|
|
September 8, 2006, 10:40 am PDT
Quote From: KVL067 The very first thing to realize for yourself is this: it doesnt matter who is the president of this country. Blaming our president is a cop out- big time. Since your are going through bankruptcy and also unemployed, who is paying your legal fees, taxes and many of the other debts that cant be discharged through bankruptcy? What is stopping you from finding work of any kind just have money coming in. My assessment has always been that many business owners (large and small) have a difficult time finding good, productive workers and people complain that they cant get a job. If I was to the point where I had to survive, pay my bills and keep a roof over my head, I would work three or four part-time jobs (of anykind) to keep an income flowing and also to keep my self respect up. I would also find a way to cater to the needs and expectations of any company willing to hire me, by displaying an attitude that Im the worker that they really need. Sitting around waiting for a perfect job, sometimes is waste of time, because it only does one thing to you and it kills your self esteem- everytime you get a NO or not even a response. I dont know what you do for living, but surely the skills you know and have developed can be implemented into many differents kinds of jobs out there. Its matter of your attitude and with the way your post reads it sounds like you need to change it and stop blaming your state, and the president and start with focusing on YOU to change your financial situation. It is a sad reality about why these financial problems are happneing to millions of Americans, and I believe that we have set ourselves up for it, by making the same mistakes over and over again with our spending habits. Maybe its time we all learn something new which isnt really new- but its called SAVING money and learning some very basic spending priorities and budgeting skills. Anyone has the capability of doing this and completely changing their financial situation. I did it. Im still learning more about building a healthy financial future, along with my husband.
Karolina I am making payments to my attorney . I am looking for work and I am also working part time jobs. Doing resets in stores and also doing demonstrations in stores and selling stuff on ebay. I also had tons of interviews. I'm not just sitting around not doing anything and it is impossible to save money when you have tons of bills to pay. I DO NOT SIT AROUND LOOKING FOR THE PERFECT JOB! |
|