Topic : Debt

I read your message and it suddenly hit me that it was about my ex husband.  I hid his spending from his mother while I was working 2 and 3 jobs to supply him with all the toys that he thought that he deserved.  We are now divorced.  While he is jet setting all over the place, I am raising and taking care of our children.  He rarely sees them and seldom pays child support.  All the time he is wearing his 400.00 italian leather shoes.  Funny thing is, I was 34 when I had my first

child and it took him two years to talk me into having children......

'

Montana,

I cannot agree with you more.  Yesterday my husband and I went to Consumer Credit because we maxed out our two credit cards and our line of credit account.  I can't afford to take out another credit card.  The line of credit was attached to our checking account so we are getting overdrafts.  We have asked my mother-in-law for money and she will only give us a portion of what we asked for.  I'm so scared that we aren't going to make it through the month.  Next month will be better cause our consumer credit program starts and we can start paying off these bills.  Plus we are taking a class to help us out.  I don't want to file for bankruptcy either.  I'm scared that my kids will not look at me the same....I feel like a failure.  today it took me forever to get out of bed.  I don't even want to leave the house cause it will cost me money.  I'm on vacation this week, it's supposed to be a good week but it's not.  We do not have a lot of debt, just enough to cause us stress and anxiety.  I had to order medicine for my son for his growth, cringed in doing that......  My husband says we will make it.....and we have in the past, but it's never been this bad before.

I'm around $20,000 in debt, which isn't nearly as much as some people, except for the fact that I have an income of $0/year and can't seem to find any work.  I desperately want to get out of debt and on my feet.  I know if I was working full time, it wouldn't take long to pay off my debts ($10,000 in student loans, $6,000 credit cards/bank debt, and the rest medical), but no one will hire me!  I know I represent myself at least decently in interviews, but average isn't good enough . . . even for the fast food industry.  Why can druggies find work, but I can't?  I don't drink or smoke or do drugs, and I have a college degree.

I'm sorry . . . I know I'm not explaining this very well, but my mind is spinning and I'm trying to keep myself from hyperventilating.  Ever since I graduated from college, I've been on the losing track.  Things have gone from bad to worse, to hell and back and there again.  I try to comfort myself with tales of "someday when I finish my novel" (which I've only just started) or "someday when I'm a published songwriter," but truth is, I spend my days crying and crying and trying to find some fantasy world (thus the novel) to occupy me and let me forget how much of a loser I am.  But when my mind is chanting, "I only want to put in an honest day's work," it's hard to ignore my situation for long.

I know how to get out of debt: get a job.  But I can't seem to find a job!  I'm one of those overly-perfectionistic, self-critical, much-too-sensitive people, allowing life to beat me to a pulp.  But I don't know how not to feel every sting of rejection, how not to cry myself to sleep, how not to spend my days mired in frustrated desire for something better, something at least . . . average.

"I just want a chance," I whisper to myself, and sometimes I allow that I deserve that chance, other times I torture myself with memories of too many failures.  How can I, two years after graduating from college, still not have even a minimum wage job?  I know I've been depressed, spent some time obsessed with an eating disorder (who would blame me after how life's disappointed me? - oh wait, they all blame me), but I fought back, I've spent months trying to reclaim my life, but . . .

Nobody wants me.  I could give so much, but nobody wants me.  Nobody thinks I deserve to even barely get by.  They all think I deserve to die, to live this half-life, always afraid of losing my foodstamps or not using my shampoo because I'm afraid it'll run out or wearing too-small clothes with holes in them and shoes that are falling apart, and . . . I can't live with this worry, I just can't.

I would work hard just to know I'd have a quarter for the soda machine at Wal-Mart whenever I wanted it.  I would work hard for clothes that fit, for my own transportation, for not having to worry about some guy on the bus taking a perverted interest in me, for dignity enough to not be ashamed to call my friends and hang out, for replacement deodorant, for the privilege of having a voice and speaking up for those who were once like me.  I know what it is to starve.  I know what it is to be too ashamed of yourself to allow yourself to have friends.

So this is half about debt, half about the desperation of poverty.  And knowing that all I'd need to get out of it is the opportunity to put in an honest day's work.  And then another.  And another.  Working the shame out of my system.

People say I'll find work in time.  They say it casually because they don't have to constantly scan the street for displaced pennies.  Then again, some people know where I'm coming from.  They provide little encouragement because they cannot find anything better for themselves.

Where can I find the resilience?  Will I ever stop panicking and crying myself to sleep at night?

Has anyone ever got into this work from home business??  I am looking into it & can not believe that I have to pay to get into one of these.  Does anyone know of a legit work from home business that actually makes money? 

I have gotten into a financial bind & am needing to make some extra money if possible. 

Anyone have anything in mind to make me some money?

Thank you!

 I am 20 years old and I have about 4 years or more of paying my debts off ...or so I hope. I enrolled myself in college at 18 shortly after I moved out from my moms. My BF (The sole provider) had already about 5,000 in debt at that time. I was approved for almost 11,000 for my school loan and I decided to take Medical Assisting. I was promised a future in this career at approximately 20 or more/hr full-time....but thanks to CDI College, I havent been able to find a JOB! I graduated with honours and I had invested a lot more money than the 11,000 I wanted to during my course.

When all was through, both of our credit cards were maxed out and I wasn't working to help. We bought 2 cars (For rather cheap) and I used one to help me find a job, and the other to get my bf to and from work. I got into a car accident about 8 months ago and I lost a baby just after I discovered I was pregnant. I had to pay money to fix what was broken and at that point I basically gave away my first two paychecks. I was unemployed for about 1 month after getting fired for not going to work. I found a job (that i am currently employed at making 9/hr that requires using a car (another 4,000 down the drain). I would desperately like to go back to school for nursing, but at 25,000+ in debt ranging from 19.5%-39.9% interest rates I'm finding this very difficult:(

I too have gotten into a financial bind and need to make extra money.  I have been searching for legitimate work to do at home but have not had any luck.  If you hear of anything, please let me know.

Thank you

I need help and I don't know what to do.

I have been building this hill of trouble and debt on my head.

It all started whewn my younger sister lied and asked for money, when she left home and had no work. I helped her, got her a flat and furniture and took care of her with credit cards behin mother's back.

When she began a new job, she totally denied and told me to go hit my head in a wall and called me Mother Teresa!

Since then, I am in debt and I am really suffering in silence and pain... I don't know what to do

Yara

Wow,, I know everyone heres the same story,, but I have a chronic condition.. have not seen a specialist in over 3 years and not taken meds or any follow up..I do not qualify for help.. make too much above poverty level 4 times..lol.. but don't have insurance. cant afford to pay cash.. anyway at this point I don't care anymore.. if i die within a few months or so.. my concern is that we are now behind on our rent 1,100.00 the car payments and insurance of 1300.00  and misc credit card, student loans, and utilities in the sum of another 1300.00 .. so basically we need 3500.00 to get out of this dilemma within a couple of weeks or we will be evicted.. and in 2 months loose our vehicles. thus loosing our jobs..  we own nothing.. I already lost my home few years back because of getting sick.. and chapter 7 took my home and car then.. so the obvious I have been paying dearly to establish a little credit.. big mistake.. but I have not wanted to be a drain on the system.. sad because I see so many people that get welfare, Medicaid, food stamps and don't work.. then me and my wife as tax payers need assistance and we don't get any help.. all agencies turn us down because we make too much.. have to be in a hospital and homeless. to qualify.. that is why our system is terrible.. why not help when we still can get on our feet.. with a little push.. I had to auto prescribe myself and buy drugs from Canada pharmacy based on research to keep myself functioning a little longer.. that is pathetic that I have to do this when others get it free.. Please help.. need to resolve things very soon..i am totally at the end.. and don't know what to do or get help from.. My story is longer.. from being abused as a child to being raped  because of running away from the abuse.. hmm dad does not remember.. selective memory I guess..  so yes I need plenty of help the only blessing I have is my wife who sticks by me even with my condition.. I try to be a good provider and help others but this time I need the help and someone out there has to have a heart or provide us with medical assistance and meds.. and labs.. to keep me healthy to be around and a little financial help..

PLEASE! Help!

thanks,

Henry.

I'm a retired 42-year old retired Marine who is 50% disabled and have been struggling with finances lately because I am bi-polar and have chronic headaches.  I've already made a number of mistakes, causing overdrafts. My husband is  very busy with work and has no time to deal with finaces and doesn't really have a head for them.  He won't go to an accountant, but lately, I feel like I'm losing control and am afraid one day I'm going to go out and spend all our money on QVC.  Dr. Phil, my husband said that he would go with what you say about this one.  So do we go to an accountant or not?  Also, please know that I have good health insurance for the family and have a great psychiatrist and neurologist.