Embarrassing! What to do?

  1. My Gawd, this is so embarrassing!

    About a year and a half ago, I had 12K in the bank and about 20 credit cards. Now (after my divorce), I have zero credit, I'm 3 payments behind and I just checked my bank balance: I have a whopping $72.00 in the bank! SEVENTY-TWO DOLLARS!
    Thank God I have another bank acct. set up for eBay, it has about $400 in it.
    WTH am I going to DO?
    I have 2 kids!
    I didn't want to go on the dole - you can't better yourself once you do!

    OMG I'M FREAKING OUT................
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  2. 25 Comments

  3. by   suzieq8907
    First of all you need to calm down and look at all your payments. Firgure out what needs to be payed now, and what can be payed in the near future. You need to pray about this because from my experience God can and will work everything out in your life if you give him control!!!
  4. by   jemb
    First, calm down. You do still have a job, don't you? If not, as an RN, you are marketable.

    Any chance the kids' father, your former in-laws, or any family you have, might care whether the children are able to eat, and would help temporarily?Could family or friends help with childcare for awhile if that is a curent expense for you?

    Any religious organization you are affiliated with that could help? Some of them will provide loans with delayed and low or no interest repay terms.

    I'm sure you'll get more ideas here.

    BTW, I don't think you meant to post this in nursing discussions. Could one of he mods move this thread to break room?
  5. by   WickedRedRN
    First off, take some big, deep relaxing breaths and try to calm down.

    You might check with a local office of your United Way, I know they have a consumer credit counselling program that can help. I know several people who have used this program to help them get a grip on finances and move on without resorting to bankruptcy. Long before my hubby and I met, he used this program after years of student loans and all the credit cards he had obtained as an unemployed student, he was in the same boat as you. Since they are a non profit agency, they will not charge you as some of the commercial progams will.

    Good Luck and Bless You!
  6. by   zenman
    The very first thing you need to do is get a pair of scissors and cut up the credit cards! 20 is obscene!
  7. by   bagladyrn
    Consumer Credit Counseling Service is a nonprofit agency (be sure you have the right one - some are scams) that can really help you out of this hole. They are not a loan agency. They sit down with you and all your debts, help you budget and contact all your creditors to help work out a payment plan. Their program is not easy (be prepared to cut up those cards) but really does work (been there). and can get you back on track. Good luck!
  8. by   Cubby
    Quote from Shezam!
    My Gawd, this is so embarrassing!

    About a year and a half ago, I had 12K in the bank and about 20 credit cards. Now (after my divorce), I have zero credit, I'm 3 payments behind and I just checked my bank balance: I have a whopping $72.00 in the bank! SEVENTY-TWO DOLLARS!
    Thank God I have another bank acct. set up for eBay, it has about $400 in it.
    WTH am I going to DO?
    I have 2 kids!
    I didn't want to go on the dole - you can't better yourself once you do!

    OMG I'M FREAKING OUT................
    Anyone reading this-DO NOT believe you cannot better yourself after 'going on the dole' I did.In fact being POOR is what changed my life-for the better.
    Welfare is intended for those who need it-it is not, nor should be a way of life.
    There are worse things than receving help from the Government, like having hungry kids!!! I know been there done that.
  9. by   Town & Country
    My kids will never go hungry ... I'll steal first.

    I don't have to cut up my credit cards, they're no good now....
  10. by   sjoe
    Since no one else has mentioned the obvious: presumably the court awarded child support from your ex. It might be time to re-visit your attorney and get some legal advice.
  11. by   Town & Country
    Quote from sjoe
    Since no one else has mentioned the obvious: presumably the court awarded child support from your ex. It might be time to re-visit your attorney and get some legal advice.
    Well I rather DOUBT that I would be welcomed into my attorney's office with open arms since I still owe her for the divorce.

    My husband didn't even have an attorney for the divorce and he made out better than I did.

    He's brainwashed both of my children. He buys them toys, but who takes them to the doctor? Me. Not one time since we separated has he taken them for medical care - he brings them home sick. I have to pay seventy-five dollars to even get in to SEE a doctor, and that's every time I go. He has done everything he could to make it just as difficult on me as possible to take care of them, running me down, cutting me down, and trying to make them think that I am "mean" to them because I am trying to see that they grow up into decent people.

    I've worried myself sick. I'm so tired.
  12. by   traumaRUs
    Shezam - I feel so sorry for you. Have you considered counselling? Dealing with a breakup has got to be very hard. Its easy to feel overwhelmed. Good luck and take care of yourself.
  13. by   Town & Country
    Thank you. It's not the break-up itself that is doing it....it's that he exacerbated the damage as much as he could. He is manipulating them and of course, they cannot see it. There's nothing I can do. I realize that. I just wish I had known what was going to happen; I would have stayed with the s.o.b. rather than have all of this fallout. He has made life just as difficult for me as he possibly could and he is going to continue doing it until the day he dies. He forces the children to choose between us constantly. It 's hard to believe someone could do that to their own children. He tells people lies about me, all over town. I think I am going to move if I ever get enough money, I didn't think I would ever move because I knew the children would want to be near him, but I cannot stand this mental abuse anymore. I really just cannot.
  14. by   etmx5313
    Contact Social Services--it certainly can't hurt. Also--try Credit Counseling but make sure it is NON PROFIT. I did it and it has done miracles for me. It cut my payments in half and I am nearly debt-free. I'ts tough, but it works. Cuts the interest rates WAY down.

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