I have talked briefly about my debt breakdowns but I would like to talk about them a little more in this post. It is a timely post because I am having a little bit of a breakdown myself these days. The reasons for my recent breakdown include: feeling helpless, past regrets, and being over programed.
I feel helpless because of the economy and a family member close to me is very sick. I am praying so hard I feel like my heart is about to burst. I pray every morning for those on my getting out of debt prayer list and I truly want everyone to be out of debt and feel peace inside.
I know from the depths within myself that I can only do so much and I am trying so hard in so many areas of my life. Then I am walking on the treadmill yesterday during a break at work and CNN is on the television in the gym. At this particular time, there is this whole program on about how credit card companies are increasing minimum payments from say $100 to $500.
Is this happening to you?
I just was so angry when I saw this because this poor family had $18,000 in debt and they had been paying their monthly payment of $300 and then their credit card company decided that they weren't paying fast enough so they increased it to $900 a month. Now, this family can't afford to pay the monthly minimum payment. I feel so helpless. I truly hope that my blog is helping you but I can't do anything about those credit card companies. I am truly sorry.
This brings me to why I am blogging today. While I was in debt I had these feelings of regret, depression, sadness, anger, shame, negative thoughts, etc. on a regular basis. To this day, I can't believe that I am out of debt because I had so many doubts and negative thoughts. I was angry at everything and I was angry at myself. I obsessed over the amount of debt that I had and I checked my balances way too often to be healthy.
I am here today to give you hope. To let you know that you can get out of debt and you will get out of debt. I know it. I understand how hard it is and I can only imagine how you feel right now. Please, please don't give up.
I know this can be easier said than done because like you I struggle too. I am struggling right now inside. In the next couple of weeks, I am starting too new blogs to work out these struggles and some of my dreams.
The blogs are going to be:
1. Follow me while I study for the Certified Financial Planner (CFP) Exam
2. My quest to live positively (this is due to my recent breakdown) I need to be more positive!
I will let you know when these blogs are up and running. If you want to follow along with these blogs as well you are more than welcome. It will be triple the Janie! :)
Are you having breakdowns? Or do you have a lot of negative self talk that you need to work on?