I'm a little upset right now.  Focusing a little too much on finances I think right now and it's stressing me out.  I met yesterday with a financial advisor who was willing to meet with me for free and help me figure out some things.  That went well.  She helped me find a way to save some money and gave some suggestions of places to go that might help me with my debt by giving me a loan at a lower interest rate then my credit cards.  So today I'm making the phone calls relating to these things and it's hard.  The first call was super easy...no problem...so I can save a little money each month or at least put more towards my debt or whatever.  This other one is harder because I'm on Long Term Disability.  At first she was saying that because I'm on disability they can't help me...then I said well someone said to try your organization because I still have income...and she went and checked and said well we can't unless you're on Long Term Disability...I'm like I AM.  Then she's like you'll still need a co-signer...I'm like fine...I can probably convince my parents since I'm good at always paying my minimum amounts on time.  Hoping my parents will be okay with it...anyway...haven't mentioned it to them yet because I am a little upset.  Now I need to find my LTD paperwork (I know I have it...and I keep putting it where I won't lose it but always end up losing it)...so I gotta hunt that down.  I made an appointment for next week Thursday afternoon so that gives me a bit of time to find it.  I hate papers!  I know the phone call didn't go that badly but it still upsets me.  It's so hard to get finances figured out when you're on disability and nobody wants to work with you even if you have good credit and a good history but truth is that's when you need help the most.  So then I feel bad that I'm on disability...I'd rather be working if I could but right now I'm having a hard enough time getting to volunteer.  And things aren't really that stable the last couple months so even I wanted to my doctor wouldn't okay it yet.  I'm just frustrated right now even though I still got the appointment.  I'm just really hoping that they can help me somehow...I'm only looking for a loan of anywhere from $3000-6000.  Depending on the interest rate I'd prefer the $6000 but if I could get $3000 at a lower interest rate then my higher interest credit card I could pay that one off and I would feel so much better.  I know I don't have a lot of debt, but what I do have stresses me out and I'm sick of being stuck in the pay credit card minimum then have to put necessities on credit card cycle.  I want to start getting on track....and I'd like to not be living paycheck to paycheck...or at least be able to have some fun once in awhile without it putting more financial strain on me. 

Replies

deleted_user
deleted_user

I totally know how ufeel... I went thru bankruptcy a few years back. Pray, it will help. Take a moment, breathe, it will all work out. Much love...
keepingon
keepingon

It will work out. Don\'t beat yourself up, it happens now is the time to fix it. Have you ever checked out Crown financial? They are a Christain group that helps people get back on track.
keepingon
keepingon

Crown.org