Financial Challenges Support Group

I definately understand. Im in a panic state and my hubby seems to think everything will be fine. Concentrate on getting that job, you'll feel better. Don't "think" about the letters untill they show up. I also worry about the what if's. As they say live today and worry about tomorrow tomorrow.

Hi whippetgirl,

I can totally identify with you on the panics you are experiencing. Whenever our phone rings, I basically freeze, especially if the phone call is an *800 number. I usually wait until my DH comes home from work to answer the calls, because I don't know how to handle calls from the cc companies since they have no empathy or whatsoever.

Also, I understand it is extremely difficult for you to feel a dependency on your partner. Carolynl is right; you ought to focus on finding a job. Being independent financially will probably make you feel more confident and more able to handle the money situation.

Good luck!

Thank you, both of you. Am less crazed as day goes on and rejoin the path of job seeking. My best to both of you.

you are NOT alone. I am in a panic state for a few moment each day. they laid off lots of people at work this last month. My ex is going to jail for non-payment of childsuport over 40K now and I DONT open the letters from hosptials wanting payments.

maybe take a walk or get out of your space for awhile, here on sunday the theater has $5 movies (first run movies) and I take my son, just to escape for awhile.

yesterday I got so overwhelmed I drove down the street and just cried it out in my car. helped to release the stress.

Remember that all of us (millions) are going through this, but YES it is personal. those bills and calls DO NOT define who you are, you are special and lovely person and this time will pass.

hang in there.

Times are so tough right now. It is true that dependence and lack of control leads to depression.

If have experienced financial melt down a couple of times, once due to my ex and this time...economy.

Worked hard for 45 years only to end up in a rented room with a 13 year old car, no retirement and no credit. Not even hope of a job until companies plan after the end of their fiscal year.

I too followed my mother's advice, God rest her soul. "Find a good man and get married, he will take care of you." Horsehockey momma, your's didn't take care of you! But, Dad was a veteran with untreated PTSD...not his fault, he and we, did not know any better.

So far, none of the relationships I have been in have panned out for permanence. They have all been long term, like 15 years, but have been a dead end. Isn't for a lack of trying.

Thank goodness I don't drink...can't afford it! lol

I will start watching CSPAN again on Monday and hope the vote on the Unemployment Extension passes and I at least have money to pay room rent and gas to interviews!

Hang in there y'all!

Feelings of panic are a normal part of my life. I know the fear you face everyday. I know that when people say it will be ok you wonder, "what do they know". But you need to have hope and keep thinking of the day when things will be ok. You will catch up and things will get better. Just don't lose hope. I am currently $140,000 in debt with unsecured debt, not counting my house. My girlfriend had been out of work for 6 months and then when she found work had emergency Kidney stone surgery 1.5 months before her insurance started, $20,000 in 4 days. There has gotta be hope, otherwise what else is there.

As far as the CC companies, alot of them are willing to negotiate because of the economy. There are a lot of things the CC companies can and cannot do. I urge you to google the Fair debt collections practice act. They cannot threaten you, besides, if you claim bankruptcy, how much will they get then? They need to be reminded of this. Alot of the mess you and me and other people are in, is partly their fault, with their fees, and raising interest rates on a whim.

I also urge you and everyone else to contact or write your congressman and state legislatures. Companies should not be allowed to use your personal credit score and history as a employment tool. How are you or anyone else supposed to make things better if they can deny you a job?

Your not alone, you will make it. Just keep holding on.

Hello Whipp:
You are not alone, I keep telling myself to take one day at a time. I still get panicky and worry. (I keep telling myself money isn't everything.) I try to be thankful for what I do have but sometimes those feelings return. I am on medical leave and can't go back to the job I had. I will be losing my healthcare which will cost me 500.00 a month to keep it that's not the cobra amount.

We just have to keep our heads high and not let the depression and panic get the best of us. Hang in there and keep talking it helps.

Hugs to You:)
Debi

Panic sits in as the money and such go,, I think that it is hard enough anyway with health problems and breathing problems. Why does life get so hard every now and then. Just try to take one day at a time and hang in there. Barb

Well I guess the panic isn't abnormal then, and I shouldn't think there's anything wrong with me(?) My psychiatrist only charges $50 every two months, but none of the meds I have tried are working. I continually wake up in a panic from assorted bad dreams, nothing will stops this. This is in addition to the continual chronic state of despair during waking hours.

My Dh, on the other hand, just gets stressed and ANGRY. He stopped paying on his credit cards after they jacked the rates to the sky. He had called and they refused to work with him. After some time of not paying anything, he called back threatening BK, and was able to make some deals, although I don't know the details. Of course, his credit is trashed in the process. The collection calls were coming on his cell and he just refused to answer.

StrongAgain2, I so wish I could believe that financial issues don't define you, but it's so hard not to feel like scum because of it.