stupid stupid bills amola: ok some of you have been following my attempts at refinancing my house (see money issues thread or whatever it's called)......
right now i am just so frustrated. i have been working 70 hours per week since the middle of november. granted my part time job is little more than minimum wage, but still......it's the only job that i can find that will work around my kid schedule so i have to stick with it.
but for crying out loud.......with the amount of money that i make, i should not be struggling this hard to make ends meet! i should not have to worry from paycheck to paycheck if i have enough money to buy groceries or to put gas in my car. i should not have this many freakin' bills to pay!
d@mn my ex husband.......d@mn him for running us so stinkin' far into debt. yes, i contributed some of the bills, but still.......whenever we would get a "consolidation" loan and plan to pay off some bills, we would pay off maybe one and then take everyone we could find out to dinner and buy new clothes and stuff (for him, of course)......we never paid off the stuff that we were supposed to because he had to have this "image" that we had money to blow. we had so many arguments about it but still.....he continued to spend and to take out loans and get more credit cards.
so where does that leave me now? over $20,000 in debt on top of an $80,000 mortgage. i am 34 years old, dammit! i should not have this much debt! i should not have to struggle as much as i do! i'm tired of it.
i'm just so tired of constantly worrying about money. i want so hard to make it on my own. i don't want to give up my house. i love my house.
and now my car is acting up....i had hoped that if this mortgage/consolidation thing would work that i could trade it in and finally get something that all of us could fit into........but no, that hope has once again been trashed.
hard to believe that one year ago we were closing on this house and it was the house of our dreams. yeah, our marriage sucked, but i thought that maybe the house would help it. boy, was i wrong. again.
i'm sorry for whining.......i'm just sitting here crying my eyes out right now because i'm just so tired of the crap. i'm so tired of pretending that everything is ok.
Re:stupid stupid bills stupify: *jenni runs in*
:-*
*jenni runs back out before amola throws something at her for thinkin a stupid little kiss would make it better*
Re:stupid stupid bills jillieb44: BTDT with the credit cards.
Sign up with Genus.org or some other credit counseling service. They'll cut your interest (sometimes to 0%, other times 1-2%) and you'll pay off the entire thing in jsut a few years.
Took me only 4.5 years to pay off $30K (yes, THIRTY THOUSAND DOLLARS) in credit card debt.
OTOH, you have to cancel all your cards and not get any new cards while on the program. But realistically the only way to ever pay them off. No way in he** can you ever really pay off that much debt even paying hundreds more than the minimum each month.
Hope that helps.
Jillie
Re:stupid stupid bills sourpuss: yes - it was a few years back, but i've been in your position. i wish i had some really profound advice for you, but, like everything around divorce (and life in general) you have to go slow and not be discouraged.
it took me 4 years, but i'm out of the credit card debt ($12,000) and i still have my condo.
Re:stupid stupid bills amola: thanks guys.......i'm just having a really really rough day today...
once i get things situated with the house, i'll look into a credit counseling deal. i've done those before. many years ago. they will probably be able to help with the 2 credit cards, but the one loan is secured with both my car and @$$hole's truck and i've found that they generally won't touch the secured loans. but i'm going to check into it.
i just can't get over how upset i am right now....i just had such high hopes for this working out perfectly and i should have known better than to do that. things like this never work out perfectly, no matter what. i need to be a little more realistic.
i am so tired. tired of working. tired of paying bills. tired of everything. all i want to do is spend time with my kids and sleep but i can't do that because i have to work all the freakin' time. i want to take time off work and just have some "me" time but i don't have any sick or vacation time, so if i did it it would be unpaid and i can't afford that right now. i just don't know what to do. i feel so overwhelmed right now.
Click More for the next page.
