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Post by desi on Apr 12, 2015 12:56:24 GMT -5
desi - my money issues are terrible, and severe marriage issues are involved. I think I could use a thread on this, too. I was completely debt-free when I got married. Then, with buying a house, taking on DH debt, and other things, we acquired a lot of debt together. After a few years, I got really organized--with extreme frugality as well as inheriting some money, I got us completely debt-free, including paying off the mortgage. Then dreadful things happened, and I was so stressed that my depression became severe. I turned things over to DH. I have never been able to get control back. Now we are more in debt than ever, and I am on a roller coaster in the dark. I think I will never have control of my finances again unless I separate from him--we have more debt than ever before, all my assets are gone, and I'm a lot older. It's quite scary. larataylor So sorry to hear about your financial mess and your anxiety. I would love a support thread in the private area (I am terrified that somebody I know will find me here...). Should I start one?
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Post by larataylor on Apr 12, 2015 15:18:36 GMT -5
desi - I think that's a good idea.
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Post by desi on Apr 13, 2015 9:01:40 GMT -5
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Post by SetMeFree on Apr 16, 2015 10:36:47 GMT -5
I have been in and out of huge debt at least 3 times. I can so relate to how the anxiety can consume every other aspect of your life. I saw a Credit Counselor the first time around, and he was a life-saver. It was a free service offered through our local community services programs. I know there's tons of info online now, but back then it was 1985, so no internet. If anyone wants to talk, or ask questions, etc., I would be glad to help. It took me 3 times to finally get it right, so you could say I have some experience . Just tag me or send me a PM so I see it.
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Post by lostchild on Apr 16, 2015 13:06:56 GMT -5
SetMeFree I am using counseling service. I just started and rapidly getting on track. I am now considering going back to work part-time. I want to Dave up to get my roof fixed. I think if I go back to work part-time it will help. My friend is recommending me for three days a week helping the disabled. I do it already so it wouldn't be different from what I do now.
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Post by SetMeFree on Apr 16, 2015 13:49:25 GMT -5
That's great! I know the man that was my counselor pretty much saved me. My minimum payments and my bills were more than what I was making at my job. It feels so good after you finally see the whole story, get a plan together, and take action. The part-time work sounds like a wonderful idea. You can and WILL do this. SetMeFree I am using counseling service. I just started and rapidly getting on track. I am now considering going back to work part-time. I want to Dave up to get my roof fixed. I think if I go back to work part-time it will help. My friend is recommending me for three days a week helping the disabled. I do it already so it wouldn't be different from what I do now.
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Post by Dit on Apr 26, 2015 7:59:15 GMT -5
Lauataylor , Your living what I FEAR most. So I am so sorry to hear things are so bad.
My late husband left me well enough off so I could stay home with our youngest son when he was young and put him through university. So I have enough to lose that I have stayed single for fear of ending up married to someone who would take away my security and my sons future.
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Post by momof3boys on Apr 27, 2015 15:45:55 GMT -5
I made a responsable financial decision over the weekend to pay my electric to the lawyer whom I have a back due balance I pay monthly on. I couldn't do this by phone with a person so I tried online but to no avail then ended up doing it by phone through the computer system via phone. I am upset by how much co-payments are even with insurance. I guess there is no getting around those. I may start putting aside money each week for those co-payments. It's frustrating that I had to pay like 60 or 70 out of pocket for my son's 2 doctors appointments and copayments this week alone.
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Post by anewleaf on Apr 27, 2015 18:02:41 GMT -5
Just simply seeing this thread gives me anxiety
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Post by momof3boys on Apr 28, 2015 9:29:35 GMT -5
I'm calling the company we got our auto loan through. I was told that the interest accrues daily and basically there is nothing we can do about it. Yes, we knew about the loan amount but I didn't know that interest would accrue daily. We just have to accept it or maybe in a couple of years we can get refinanced? I don't know much about car loans.
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