sooo, not many people on this board know me, which I guess can be a good thing... Take everything in stride as I just need to vent a little and get some things off of my chest... SO at the start of this month things had been looking promising and I finally thought I was going to be able to start inching my way out of debt. Well at the first of the month I had to take a day off of work due to my wife having to go to the hospital... That started the snowball effect of things to come. Me calling off put us behind for the week so I went to a payday advance so that I could make it until next pay so that my commission would be on that check and we would be ok. Wellll..... it comes time to pay it back and we are good. Things are a little tight but we make it.... Then I get the mail.... The local health dept decided everybody in my neighborhood has 30 days to connect up to the public sewage line or face legal action... GREAT... So i apply for a loan to try and get funding to get this done... WRONG! my credit is soo bad right now due to debt I cannot even pay for stuff with cash im too high risk.... This brings us to the 22nd, my watch battery quit working, Im having union troubles at work, barely making it, my daughter refuses to potty train eventhough she is 3, i have no $$ to get this sewage installed, my daughter pooped everywhere, im sure more happened that day i cant remember.... and come to today. I received a call from "Springleaf Financial" stating to call them... Well being the tech guy i am, I did some background work. I guess this is a fly by night loan company, that prays on people who need help. I decided against even calling them after reading reviews online. Its not like I cant pay the bills with what I make, its the fact that the interest is sooo high Im never getting anywhere with them.... Right now im sitting here so wound up my check hurts and im seeing spots because i feel like i cannot provide for my family, its 955am and i think i may have a drink.... LOL Dont know where to go, or what i can do, so I guess i have to sit and wait for see what happens... If anybody feels like praying for me, I would appreciate it, if anybody knows of a loan officer who could help me, I would appreciate that as well.. Thank you for listening... Its cheaper than therapy.... :seesaw:
Dont mind me, just venting a little
- Thread starter ItalianCustom
- Start date
javajunkie
BoM July '12
that sucks, man, and i feel you. probably the first thing is DON'T freak out. if you can keep cool, you will be better able to prioritize, and slowly knock things off your list.
also, if you have any stash to speak of, you can always sell some smokes off. plenty of folks here would be glad to pick up if you need to liquidate.
best of luck, man, and will keep you in my thoughts. this too shall pass.
also, if you have any stash to speak of, you can always sell some smokes off. plenty of folks here would be glad to pick up if you need to liquidate.
best of luck, man, and will keep you in my thoughts. this too shall pass.
Sorry to hear that. Just remember, someone out there always has it worse. Be thankful for what you have and know the most important thing right now is your wife and child. Be there for each other and trust that God has a plan.
Dude, hang in there. I know it may seem bleak right now, but you have to keep trucking along. Your daughter loves you and has no idea about what is going on and doesnt give a whip about it. She just wants to spend some quality time with you. Don't let the world or the weight of the world or your worries interfere with that. Keep plugging along, things have a way of working out.
bdc30
BoM May '11
Reality check time right here. It's time to dump your cigar smoking hobby, at least for the time being.
I'm hoping you and every other botl here have read the Being Fiscally Responsible thread. Cigars are a luxury item, that come with a steep price tag. If you're truly going to payday loan places, you can't afford to maintain a board presence, be participating in the newb and non newb trading threads, boxpasses, pif's or whatever. Not to mention the cigars you're sending - you can't even afford the postage for sending them.
I read also that you recently went on a cruise, and had an ISO Opus post relating to it. If that's the case, it's time to man up. Tighten the belt and adjust your standard of living to a level you can afford. Sell your smokes for what you can get for them. Dump the vinotemp to a local smoker. Sell your lighters, sell your cutters, sell everything cigar related you have to put some immediate money in your family's account. When the urge strikes, and you have a spare $10 in your jeans, head to the shop and pick up an Undercrown and a book of matches. Maintain a presence on BOTL. When things are better and you can get back in the game, do so slowly. If you can afford two boxes, buy one and put the other money towards your highest interest debt.
I apologize for coming off as harsh, but I truly hope you see the intent of my words is in the best interest of you and your family.
Hope things work out for you.
b2
I'm hoping you and every other botl here have read the Being Fiscally Responsible thread. Cigars are a luxury item, that come with a steep price tag. If you're truly going to payday loan places, you can't afford to maintain a board presence, be participating in the newb and non newb trading threads, boxpasses, pif's or whatever. Not to mention the cigars you're sending - you can't even afford the postage for sending them.
I read also that you recently went on a cruise, and had an ISO Opus post relating to it. If that's the case, it's time to man up. Tighten the belt and adjust your standard of living to a level you can afford. Sell your smokes for what you can get for them. Dump the vinotemp to a local smoker. Sell your lighters, sell your cutters, sell everything cigar related you have to put some immediate money in your family's account. When the urge strikes, and you have a spare $10 in your jeans, head to the shop and pick up an Undercrown and a book of matches. Maintain a presence on BOTL. When things are better and you can get back in the game, do so slowly. If you can afford two boxes, buy one and put the other money towards your highest interest debt.
I apologize for coming off as harsh, but I truly hope you see the intent of my words is in the best interest of you and your family.
Hope things work out for you.
b2
Things are tight everywhere... Keep your head up, & keep hard at it. Remember the things you can be thankful for...
Man, I just typed up this long reply and it deleted it...
I really appreciate the kind words and thoughts.
I have already read the responsibility thread, and I have one PIF to do then im out for awhile... as for the cruise, that was paid for by somebody else. I actually liquidated some stuff to pay for it and was not in the position i am in when i paid for it. And the vino I have, is a cheapie, not a vinotemp. It would cost more to try and sell it then keep it, same with my cigars. I have few that anybody would smoke.
I know it shall pass, God has a plan for everybody. I thank him everyday for what he has given me. I have a beautiful wife and daughter, a roof over my head, and I can eat... thats really all that I need.
Luckily storms are starting to pick up and bring some incliment weather to the north east, which means overtime at work. Im working as many hours as i can to help bring in some more $$$...
More than anything I really appreciate everybody listening to me. I just had to get it off of my check before I stroked out...
I really appreciate the kind words and thoughts.
I have already read the responsibility thread, and I have one PIF to do then im out for awhile... as for the cruise, that was paid for by somebody else. I actually liquidated some stuff to pay for it and was not in the position i am in when i paid for it. And the vino I have, is a cheapie, not a vinotemp. It would cost more to try and sell it then keep it, same with my cigars. I have few that anybody would smoke.
I know it shall pass, God has a plan for everybody. I thank him everyday for what he has given me. I have a beautiful wife and daughter, a roof over my head, and I can eat... thats really all that I need.
Luckily storms are starting to pick up and bring some incliment weather to the north east, which means overtime at work. Im working as many hours as i can to help bring in some more $$$...
More than anything I really appreciate everybody listening to me. I just had to get it off of my check before I stroked out...
Dude, sorry to hear about the jam you're in. Just keep telling yourself "the world will have to try harder than this to kill me" until it starts to get better. bdc's right about cutting costs. Personally I don't know if I'd stop smoking entirely, but definitely rethink what constitutes a "necessary expenditure." When I was broke for a few years I smoked nothing but cheap cigars, canceled my cable TV, and put off any and all non-critical purchases. Can't say it was fun, but I definitely got a degree of satisfaction out of it, and I lived to tell the tale. Stay strong, do the right thing, and you'll put this shit behind you.
-Charles
-Charles
I must try this lol
Hey money's tight for everyone just a way of life. Don't freak out and thing have a way of working themselves out. As for the city I'd give them a call and explain your situation. If it's a public health issue that your neighborhood isn't connected to the public sewer system then I feel the City should cover the costs
