Comments | teddybearracing: Feeling Desperate!!!! and Tired

teddybearracing

Feeling Desperate!!!! and Tired

Jun 29, 2005 23:34

Today should be a happy day for me but I am not happy. I am starting to really not like this depressing feeling that I seem to always have. I talked to someone that is very special to me today and he said that latley when he talks to me that I sound pissed or upset. I apologized to him because I dont mean to sound like that, but really I dont feel ( Read more... )

Comments 12

strychneen June 30 2005, 10:54:35 UTC

I am so sorry you are feeling so down and I hope things improve....mail me if you need too

Matt

teddybearracing June 30 2005, 19:29:08 UTC

Thank you Matt:)

teddybearracing June 30 2005, 19:47:59 UTC

I hope so too........Have fun on your trip this weekend if I dont hear from you:)Havent recieved an e-mail from you in awhile.........but I understand. Take care

boppity June 30 2005, 13:39:38 UTC

Hang in there, sweetie! *hug*

Lots of us are in the same kind of position. It's not a fun place. I'm working on myself and working on a solution for my finances, and I have a lot of faith that it'll work. It's a really long road, 'tho. At least, it seems like it is long from my view.

Don't let the stress from it overwhelm you. Seriously do some breathing exercises to help you relax, ok?

teddybearracing June 30 2005, 19:35:16 UTC

I am trying to hang in there. I have been feeling very overwhelmed because well I think anyone would when every paycheck they are paying out almost 500.00 in interest that is not making any difference in the balance because you are only extending it for another two weeks. So its kinda like money that I am giving away. I mean if it was paying it off I would at least feel a little bit better. Trust me once I get these suckers payed off which hopefully will be soon..........I will still have things to worry about, but these will be a big burden off my back.

I wish you the best of luck in your financial situation. Yeah it is a long road but if you have a plan then its easier. Yeah last night I had to do breathing exercises because I was starting to have major pains in my chest..........I think it was from all the stress and crying. But it seemed to work a little and then sleep did also.

Thank you for the hug and here's one for you:)

*****************************HUGS********************************

icequeen520 June 30 2005, 13:56:07 UTC

You know if you ever need someone to talk to feel free to ask for my number. I know we don't know each other that well but we do live in the same city and I would be happy to try to meet you somewhere for coffee or something if you get really down...I know sometimes I could use someone to lean on locally too sometimes...however you know I am a headcase so it is cool if your STAY AWAY alarms have went off hehe. Seriously though I am here if you need me.

teddybearracing June 30 2005, 19:40:42 UTC

Shannon,

Thank you so much for your comment. The same goes for you. I am always here to listen even if I am having a bad day. I tend to put others before myself and I dont think that is a bad thing most of the time. Oh stop it about the head case thing. We all have are share of problems. The coffee well that is very hard for me to do .....but maybe on some occasion. I am a single mom of two and if you have read most of my posts well the dad of my older one lives in England and the younger one's dad is off to Iraq in AUG. SO its really only me abnd the girls. But maybe before he leaves we can meet up and at least meet for coffee and talk a little. I am here for you also Shannon. I do like when you put your sense of humor in your posts or comments. You actually got me to smile. Take care and if you want my number also I can e-mail it to you.

macaholic June 30 2005, 17:29:05 UTC

That is a lot of interest for such a small loan amount. Why don't you call a credit counseling agency and see what they can do to help....there are some which will not cost you anything. Don't go to any that want you to pay them. good luck.

teddybearracing June 30 2005, 19:46:29 UTC

they have high interest amounts because they are payday loans. ANyway I have 5 of them...........when you are only supposed to have one. Long story. But credit counseling wont touch them because they are a different kind of loan. Its hard to explain but you cant make monthy payments to them..........once you have had three extentisons..........and six weeks then you need to pay them off in full..........most of the time I have to take it right out again because I didnt have the money to pay ot on the first place..........so you see it is a visious cycle and I am working really hard to fix this situation. I may just have to sell all of my collectiable bears and my curio cabnient together. If I advertise in the paper I will ask about 3000.00 for it. That is a steal since it is filled with high price things and I would guess that with the cabnient and everything in there(including a whole collection of Dale Earnhardt bears and cars and etc. .....anyways I think it is worth at least 5500.00

Take care and hope that your day is going well

macaholic June 30 2005, 20:24:15 UTC

Suggestion. Go to legal aid. Ask them if the payback and interest arrangement that you have to deal with is legal. And, if it is not, what you can do about it.

teddybearracing July 7 2005, 23:14:36 UTC

Im so sorry it took me so long to respond back to this, but it is all legal. You sign a contract. But the county has made a big thing about pay day loans latley. They are trying to ban them because they are charging people bogus interest rates and well make it hard for people to poay them back. They are also trying to work it out so that they will work with people to pay them back instead of demading the full amount.

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