So I'm hoping to some how get out of debt in the next two years. I know there are a lot of places out there that say they help... but who knows best?? Not me....
I'm praying to win the lottery (but I guess I would have to buy a ticket first) in order to pay off all that I owe. Its such a tough thing! We aren't spend thrifts and my girls pay for all their own stuff, clothes, insurance etc. so how did we get here? Good question! I guess being layed off for several months living on credit cards helped... but I'm grateful we could do that at the time.
I made a choice many years ago to work a job the allowed me to home school and spend time with my daughters during their formative young teen years. This I will never regret! Unfortunately it put us in a place of being very poor! We never wanted for any thing and always, because of my sister, had great vacations with the family. Its such a struggle!! I now have a great job with good pay (And that's no little thing now a days) but when you pay the rent, car insurance, car repairs, electric, gas etc... we barely have enough for food! We aren't starving mind you, just getting by! Is that the American Way? to just get by? I've been single since giving birth to the girls and have no child support or other income. There have been times that I worked 2 or 3 jobs at once to make ends meet! there has to be other women out there like me and I wonder how do they do it! The stress of being in a constant state of anxiety over finances is finally taking it toll on me. I would love to set up an organization that helps single moms like myself get out of debt! the idea would be that they agree to not incur any new credit card debt for 3 years, they can have a car loan, mortgage, and one credit card with a company of the organizations choice, with no higher then a 3000.00 limit. In return their debt would be paid off for them. They would then make a monthly payment of 30.00 each month to the organization for the three year period. That money in turn would be used to help other moms. How do you keep them from getting more debt? have them sign a contract agreeing that if they should incur debt with any other company's or credit cards without written permission from the organization, they would become responsible for the full amount of the debt that was paid off for them... in its entirety! SO.... what do you think??? I know it would help me... Well for today I'm taking the 5-10.00 dollars a week I spend on coffee and putting it on my visa bill. Its not a lot but it will help. Every little bit helps! Of course my girls will complain about me being cranky without my coffee over the weekends! And so to be deb free is what I'm praying for! Help from somewhere, someone, someplace! Send me suggestions, ideas, donations... whatever you think will help! Until next time...
