Ditching the CC bills...

[eliza61]

That's all really good Sandra but to be honest.
You cannot coupon your way out of a no income situation. CCCS told you that you needed to increase your income - because you have no income. You can't pay any money ... until you have money. Your problem isn't that you eat too much. Or that you spend too much on your mac and cheese dinners.

You are woman of sound mind and body -- working age. To tell you the truth, this credit card thing you have going on is your immediate problem, but it isn't even your biggest problem.

Long term. You are not saving anything for retirement and you are not doing anything to earn a Social Security benefit of any sort. Politics aside, you are not married to your partner. You will not get spousal benefits from Social Security.

You have got to get going here girl - I'm not kidding.

Can I get an "amen"?

Whatever choice(s) you make, I do wish you luck.

Amen!!

Op, this is so way beyond a credit card issue. From what I've read it's seriously more of a "Wake up, grow up and smell the hummus".

I've been in credit card debt and I've been beyond stupid with my money but it doesn't seem to me that you've learned from these mistakes. It sounds more like you are looking for a quick and easy fix.

What happens if you have a serious emergency? Where are you going to get the cash to handle that?

Sorry, I just don't see how us telling you to stop is gonna change any thing. CCCS already gave you a really good game plan. you don't like it because it's going to take some sacrifice (like working, just out of curiousity if you don't work where did you plan on getting funds from). Like any other addiction, you can't fix a problem until you accept responsibility for that problem and committ to doing what ever it takes to change it.

 

[MickeyMomOfThree]

I just got my first job since high school. I got married right out of HS, starting having kids right away and have been a stay at home mom. BUT, the expenses of having kids are getting higher and a few extra bucks wouldn't hurt us, so I just got a job. I would have been happy to continue being home full time being a homemaker, but having a part time job isn't so bad. And next week, I will be getting my first paycheck in almost 17 years and it will feel good to be able to contribute it to the family.

I can realate to not wanting to give up being home, it's nice, but you do what you have to do.

 

[robsmom]

I have a relative who lost her job almost 2 years ago, doesn't want another job, but applies for several weekly just to earn her unemployment. She has debt like everyone else. Now, should I go and judge her because she really doesn't "want a job in her heart"? No, it's her own dang business, none of mine. I don't walk in her shoes, so I can't even begin to judge her and her life.
.

I actually think that you should care we all should care. If a person saves some money and wants to go live a basic life in the middle of the woods, that is his perogative and I don't care. If a couple wants to sacrifice so that one person can be a stay at home parent, that is their perogative and I don't care. The minute that someone starts collecting tax dollars for being unemployed and stops making a real effort to get a job, that is not their perogative anymore. That impacts all of us and I care. When someone does not pay their credit card bills and settles the bill or when someone declares bankruptcy, this costs all of us money and I care. I want my tax money or hidden consumer dollar taxes to be available so that my sister's friend whose husband almost died in an accident, broke his back and could not work for 2 years can declare bankruptcy if she needs to. I want my taxes to be available for unemployment for the employees of the auto part companies who were layed off and can find nothing in Detroit. I really do not want to pay for people who choose not to work. It is their perogative not to work and my perogative not to want to pay for it.

 

[tinkabella627]

Again, who flippin' cares? Honestly? I really can't believe some people actually remember this stuff about what other posters think about getting a job. I can barely remember what I wore yesterday. I don't have time to remember information on other posters so I can use it for future judgement.

It wouldn't matter if she wanted a job more than anything in this world right now...she's not going to get one. Absolutely no one is hiring.




I really find it hard to believe that grown adults actually take time out of their day to remember stuff about other posters. Seriously. On a message board, of all places.

I really could care less if Joe Schmo posting after me wants a job or not. I don't have time for childish non-sense such as that.

I have a relative who lost her job almost 2 years ago, doesn't want another job, but applies for several weekly just to earn her unemployment. She has debt like everyone else. Now, should I go and judge her because she really doesn't "want a job in her heart"? No, it's her own dang business, none of mine. I don't walk in her shoes, so I can't even begin to judge her and her life.

As for TRU, can you imagine how many people are going to apply? Aren't we at the nation's highest unemployment rate in the last 30 years? There is going to be so many applicants, eager to work. I will bet you anything that TRU is overwhelmed.

Again, I wish the OP luck in her situation. Unfortunately, you are not alone in today's economy.

I'm sorry... people are hiring. A lot of people that can't get jobs are refusing to stoop to the low paying, high school part time jobs. If I had no job you bet I would be out there applying with all the 15 year olds. I mean I am considering getting a part time job just to bring in extra money. People are hiring, just maybe not the places that all people are thrilled to work at. Especially at this time of year, there are AT LEAST seasonal jobs popping up. And those jobs that you usually work at when you are in high school are brainless jobs.. no work to do at home, no stress, leave it at the job and enjoy your life at home.

 

[AftertheSunset]

I actually think that you should care we all should care. If a person saves some money and wants to go live a basic life in the middle of the woods, that is his perogative and I don't care. If a couple wants to sacrifice so that one person can be a stay at home parent, that is their perogative and I don't care. The minute that someone starts collecting tax dollars for being unemployed and stops making a real effort to get a job, that is not their perogative anymore. That impacts all of us and I care. When someone does not pay their credit card bills and settles the bill or when someone declares bankruptcy, this costs all of us money and I care. I want my tax money or hidden consumer dollar taxes to be available so that my sister's friend whose husband almost died in an accident, broke his back and could not work for 2 years can declare bankruptcy if she needs to. I want my taxes to be available for unemployment for the employees of the auto part companies who were layed off and can find nothing in Detroit. I really do not want to pay for people who choose not to work. It is their perogative not to work and my perogative not to want to pay for it.

Unfortunately, you're talking about changes to the system that only government can make.

It may be your perogative to not want to pay unemployment for someone who doesn't want a job or not pay for someone who declares bankruptcy, but, unfortunately, there is nothing illegal in what both people are doing. It's not illegal to collect unemployment and not want a job. As long as you're applying to your required number of jobs per week, person A is doing nothing wrong.

It is also not illegal to file bankruptcy. It's a legal means to a situation. It doesn't matter if someone racked up debt and files or if they only have medical bills and decide to file. Bankruptcy is bankruptcy and neither situation is illegal.

There are tax dollars of mine that will be going nationwide to fund people who refuse to get off their butt and buy health insurance, but it looks like that's where my tax dollars will be going in the near future.

At the end of the day, we all pay taxes to help out our neighbor in need, whether you agree with them or not. Sitting here and judging someone seems so pointless....Someday it could be YOU on the other end, asking for help.

 

[aka-mad4themouse]

Arguing in circles here and nothing productive coming from it.

Thanks for playing the game everyone. Pick up your lovely parting gifts at the stage door on your way out. Have a swell evening. G'night all!

This thread is done.