I have definitely been in that situation before. I had to realize that I had to take it one step at a time and really cut back on whatever I could. I switched from a contract phone to a prepaid phone with minutes. I changed the way I shopped for food and a lot of times had to go to get commodities. I started rolling my cigarettes instead of buying cartons. Anyway is there anything that you can cut out. The main things you have to have are food, shelter, lights, and water. This may sound a little morbid but a good way for me to think is "What if I died tomorrow?" All of your worries would go away but you get to live and that is a gift. One day last year I was listening to the radio and I heard an interesting concept. It was called the 100 item challenge and it was created by Dave Bruno. The premise was to try to get down to where you have 100 items.
I hope you can tackle one thing at a time and not get overwhelmed so easy. No matter what time will pass and understanding that means imagining yourself in the future with all of this gone. It has to do with the law of attraction and if you really want to get rid of these bills you will. You are a strong person. Stay centered and let go of control. You don't have it and you never will. There is no faith when we try to control and there is no control when we have faith.
Anyway just wanted to chat with ya :)
Thanks for the motivating words, always good to be reminded of our inner strength. No doubt I've been through harder times. I just need to remember that I can make it through this as well.
Yeah I was just feeding you a big line of !@#$ lol. No, you know that I am Mr. Spiritual and all that came from the heart. I will always be here to center you as you have helped me out so much in the past :)
You crack me up. A line of (beep), eh? Well Mr Spiritual... it looks like we are the only two nuts up at this hour, so thanks for the early morning pep talk. I may go do some dishes. It's so hard to sit still.
Oh, I haven't started to write about bill monster here yet - for some reason you started it and I have to now write about it as well lol. So yes, same here!!!! About three or four years ago I wasn't able to cope with it at all. I had an online shop, selling some clothes and toys and spent all days and night! dealing with it. All this on its own created a mess eg stock, boxes for packing etc. I had never enough time so always prefer to do something I got paid for. But money were still short. The house was a mess and I was unable to open letters. So they landed in the box - never opened. I opened from time to time some new ones but that was it. So I managed not to call my water company due to not so big debt and therefore got court order to pay - which will be in my records for next 3 years. I just couldn't do it. I was so depressed and anxious that only thinking about it made me cry.
I also'managed' to open two companies but hey who will do all the paperwork? I managed for a couple of years - somehow! but after that came a final crash and I wasn't able to do it any more. Never opened the letters - the box was big and full. And my house - especially my office was like a house of hoarder. I had a few attempts to tidy up with mixed results. Even asked friend to help me. I managed to get rid of some stuff and tidy the boxes but it again became a mess. After a long period of time I also started to deal with my bills. And somehow managed to make arrangments with most suppliers.
As Bubulous said I cut off anything I didn't need. I have a good phone from contract which I wasn't able to pay - bas**** put on the top several hundreds of penalties and I am still paying it!
I also read tips on the internet how not to spend. For me it means not to go to shops. If you go you always buy something and spent.
I also faced eviction which they sent me just before christmas 2012. I got totally depressed, anxious, angry. I thing this was the major trigger of my depressed episode which lasted till April. As I was receiving housing benefits and asked council to help with eviction ( which was actualky unlawful) I started to deal with it. And I am still dealing with it! My case with council will have first bithday now. Do not ask how anxious I get when I see the letter from them. I am trying hard to behave. When I called them - think about 30 times in last year- I ended up crying and crushed so I had to go to sleep as I didn't function. Yep, again just before christmas they sent me a bill for 7k $ to pay back. I always need a break before I answer them. Not sure why I am still trying as they don't read my letters anyway. So I sent them another letter and also a complaint.
Uh, the best therapy was to move house so I do not have to deal with previous landlord. The place is in better area, closer to school, and over all nicer.
I moved - with my boxes full of unopened letters. But I have a garage here so all the crap is there. One day I needed to find a document so I had to dig in papeprs in the garage. So I decided to get rid of them! What a therapy! I managed to get rid of few boxes ( and also found my document lol). It was a huge relief when I put them all to the bin.
I am still fighting, still trying to put things in order - and little by little it works. Not ideal but it goes.
I started to call more often and negotiate more and trying as best as I can. It is a fight. And it is one of my bigfest triggers. The strategy 'avoid' doesn't work in long term. I am openning my letters now and trying to deal with. I got anxious and angry last time as I didn't open the letter straight away. It was a nasty one as expected but I managed to make a call and it was a good one.
I think there is no other way than to deal with it. It won't go away unless we put the order in place. And I still have loads to deal with and I am unable to do so. Crap I know.
So you can see - you are not alone!!!! Think can exchange some money management tips here lol. Xxx
I have also purged my bills by just throwing a stack of them away :) I realized like you did that just calling them is so beneficial. A lot of times a phone call can be enough to relieve your mind and they also respond well to little payments especially credit cards and hospital bills. I started off paying a little on all the bills paying more attention to the smallest ones so that I could scratch them off. Trying to pay the big bills in the beginning makes you feel like you are getting nowhere. A budget was the hardest thing for me to make because I spent so erratically that I thought it was impossible but if I can do it anyone can. I have yet to start a savings account but the main goal for this month is to stick to the budget and watch my money. Perhaps next month I can put a little back for an emergency fund.