Friday, December 26, 2014
I Just Want To Breathe
Behind on credit card payments. Overextended on credit cards. Same monthly bills come in. Rent/mortgage, lights, gas, water, house phone, cellphone, groceries, car payment, gas for car. Same monthly payments each month. Same income each payday. Still more month than money EVERY single month. Same frustration. Staying up late day after day trying to figure out when can it end. Staying up late trying to figure out how did this happen. Will I be homeless? Will they repo my car?
You have been here? You have been here. When will it end? You want this cycle to be over. Debt? Debt, and more debt. On top of that, your student loan is in default. Unexpected expenses arises and you have NO savings. YOU are about to snap. You are at your wit's end!
Your mortgage is 2 months behind because you mortgage almost doubled in 2 years since you built on undeveloped property. You knew what you should have been paying and did not set the other money to the side. Maybe you got into your home but you had an ARM (adjustable rate mortage) and this caused you to get behind because those payments kept rising but not your income. You're tired of the mortgage folks calling the first day after the due date....day after day after day and sometimes 2x a day! Ugh! Pluuuuezzzz STOP CALLING ME!
All you want to do is breathe. Breathe. Breathe. You want to smile. You want to get a good night's rest instead of worrying about if you are going to lose your home and/or your car. Is it possible to just breathe. Can you get your head above water?
Guess what? You can!
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