Financial Issues

For once, I’m not going to write about my eating.  I’m completely stressed about my money situation.  My credit cards are way past due, to the point where making a payment now doesn’t even make a difference.  I need to make a huge payment to the companies to keep them from being pissed at me.  And now, my bank account has been cancelled because I overdrew it and didn’t have the money to bring it even again.  I don’t know what I’m going to do to get myself out of debt.  I don’t have enough debt according to different agencies to get help, yet I have too much for myself to handle.  My mom has tried getting out a loan for me, but she has her own credit cards.  My dad won’t even try because I got myself into this mess.  I’ve been thinking about using the money from the insurance company to pay off my cards and just suffer without a car.  Then that leaves me stranded at home and on campus unable to do anything.  I can deal with walking to a job over the summer, just means I can’t work nights.  Otherwise, I don’t know what I’m going to do.  I’ll never be out of debt.  I’ve seriously thought about bankruptcy and I’m only 21.  I’m pathetic.  I’ve thought about dropping out of school in order to get a full time job to pay them off.  I don’t think my parents realize how stressed out I am about this.  I hate myself.  I hate myself for getting myself into a mess like this, after I always said I would never be the kind of person to have outrageous credit card debt.  When I got the credit card, I said I would always make at least the minimum payment, but I always made more.  I just got behind by a month.  Then I couldn’t make a payment the next month either, after 3 months, they start piling on the fees.  Nobody wants to hear my sob story, but I don’t know where else to go to before I feel like throwing myself off a building because I’m so helpless.

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October 30, 2007

just out of curiousity..do you have a student id card that lets you take the bus or muni or something or train for free? We have that out here..its included in the tuition. 🙂 Just a thought. 🙂 I don’t take my car everywhere unless its far away and I have to..otherwise i take the muni and safe on gas. 🙂

November 5, 2007

i’m like that, i always said i’d be good with my money, never take a loan out, or anything. here i am many years later, £1000 over-drawn, a £1000 loan to pay back, £500 in uni fees to pay back, thinking about getting a credit card for emergencies, just finance better this time. it’s getting to me, i hate not having money even though i’m working, it’s stupid