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Since I am in the teaching field, I do not receive a regular paycheck during the summer months. That is what started my saga just about a year ago. Ever since my divorce, I had struggled to get my credit back into shape. I was doing pretty well until last summer when I had some unexpected expenses and my "savings" would not keep me up to speed. I was so afraid of letting some bills run a little late that I thought just one PDL would help me out. As we all know, one leads to two, two leads to three and so on and so forth. I thought that once school started again, I would be okay. Unfortunately, I got hit with one car repair after another and by January of this year I found myself unable to stay afloat. As a result of all this, all of my bills started to suffer and guess what, my credit took a real beating. I found this site, thank God, and was able to clear all my PDLs within 3 months. I am still working on making arrangements for all my legitimate bills and have put all my credit cards into a dmp, which I too resisted at first. Best thing I ever did! Other bills I had, student loans on my son and daughter's education have been given a forebearance. Others have reworked to catch me up and get me back on course. Yes, it's summer again and my income is limited, but so far so good. I have learned a valuable lesson in that half the things I think I need I only want. I am enjoying all the "free" summer stuff that is offered in the area in which I live. I stay home for dinners which are more economical and probably healthier. I spend tons of time with my two Boston Terriers. I work in my garden. I take daily walks. I watch movies on the Hallmark channel and all my old favorites on TV Land. Being content doesn't have to cost a fortune, or anything for that reason. I do gather with my friends at our local "watering hole" on Saturday nights and that is just enough to keep me happy. As for me, my plan is to never get myself in this position again.




You've done a great job, llw, at turning your life around in a short amount of time. Keep up the good work, and good luck at your continued efforts to get out of debt!

Sub: #1 posted on Fri, 07/25/2008 - 10:30

alias1958 alias1958

(Posts: 1230 | Credits: 79.88)

Thanks alias! I am bound in determined to stay on course and get all of this behind me. Since I live in Western New York the winters here can be brutal. I am already making my plans to "winterize" better this year and keep the costs related to winter at a minimum. I just had lunch with my friends from work and one was saying that the Farmer's Almanac are calling for a TON snow here this year. As much as I hate clearing off my car and driving in that stuff a couple of times a day (thank God I live in town so getting to school takes about 2 minutes) a lot of snow usually means a "warmer" winter as well. A warmer winter means less heating so I am very cool with that. We've already discussed the Christmas thing, in that it's gonna be about "being" this year instead of "doing". Now, if I can only get my son back from California for the Holiday it will be all good! I'm a pretty determined person so I am hoping that I can hang tough. Thanks again.

Sub: #2 posted on Fri, 07/25/2008 - 11:11

llw1995 llw1995

(Posts: 1422 | Credits: 149.03)

llw - you really have come a long way. i know you have gave me great advice on the payday form.
i understand about the christmas thing - last christmas i took one payday loan to buy presents for my family and my threads have shown what that ended up costing!

Sub: #3 posted on Wed, 08/13/2008 - 08:25

bea2ls bea2ls
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