When it comes to the crunch, you get hammered, and there is much potential to be hammered hard.
Over the last six months, I have been on a big financial roller coaster ride. When the revenue has come in frequently, I have been successfully able to sustain my living means, even without regular income from my part time job. However when the cash flow issues occur, I’ve had no choice but to obtain credit. Obtaining credit for Business “Cost of Sales” purchases has made this situation very unstable. Also going into the red for personal expenses has magnified this problem.
I am still employed part time doing Tech Support for a big company, however I feel this job is a time bomb, and my health will inevtiably suffer. Hence, the money is my only motivation to turn up.
I truthfully admit, I find bobbing for an ISP mundane and stressful; this job surely measures how much patience I have. I will however try my best to remain content, as they’re still providing me with employment, and I still need a regular stream of income.
I’ve FINALLY decided to kill my credit cards and other lines of credit, and change my business trading practices where possible. I decided long ago, but never acted on it. I was pretty sure I could bail myself out of it.
Swallowing pride is hard, and admitting you have a problem is also very hard. At my age, I feel I’m expected to be responsible, and to not make such mistakes. I honestly believe my own pride contributed to this problem. However I also believe the older you get, the more you realise the importance of learning from previous mistakes.
I honestly thank God that I’m beginning to see light at the end of this dark tunnel. The Support from my family and friends has been overwhelming. It may be a long journey, but I’m willing to work hard to ensure I am no longer enslaved by this trail of debt.
I still have goals I want to achieve, and I am sure determination and perseverance will help me get there.