I posted a while back about my situation, things haven't improved. I am on a payment play with the IRS for substantial back taxes. I have $80k+ of student loans that is only getting bigger, even after paying minimums. Credit card is climbing higher every week, I put off logging into my online bank account as long as I can because I dread seeing what the CC amount is now at.
To top it off my dog needed an expensive operation that I couldn't pay for and I got physically ill over the thought of starting a payment plan with a vet for it. We were able to re-home him with a sweet lady from a church and she is taking care of him and paying for his operation. So I lost my dog, which makes me chuckle a little thinking of how my life has become a stereotypical country song.
I sold my fiances engagement ring for a lot less than I paid for it, but it barely helped. We fight all the time and she has made comments that show she is very resentful of me, with good reason I admit. No one should have their ring taken back and sold because their partner cant take care of his finances.
I make about ~30k and I don't have the means or any idea of how to increase my salary. So tonight, after adding everything up and projecting to the future I have determined I will never get rid of this debt and will never live a financially successful life. That being said I do not blame anyone by myself.
I truly envy the posts of people that talk about maxing out their 401k for the year, putting huge down payments on houses with the only struggle being should I buy a bigger house with a smaller down payment instead.
Please teach your children, brothers/sisters, friends how to handle money. Don't make it a taboo subject, especially with your children. Let them help you pay bills, balance a check book, etc. Warn them of stories like mine, of ignorant, useless people who ruin their lives because they never took the time to understand how to handle money.
EDIT: I did not expect this post to get as much attention as it did. Thank you for all of your comments, even if I cannot respond to all of them please know that I am reading every single message in my inbox. I truly appreciate all of the advice, criticisms, tough love, personal stories that are being posted. I know my tone here is very defeatist. I will work to change my attitude and fix my situation using a lot of the great guidance I have received from this community
Submitted November 02, 2018 at 06:28PM by madisonbrillo https://ift.tt/2SI30Bz
