By "here", I mean, in this predicament?
I just wanted to say that I come on here and find reassurance in reading all of these posts. Admittedly, I live pretty much an isolated existence. My job is one of a cubicle and a headset (no, not a debt collector). Talk to customers all day long, but not like I'm gonna strike up a conversation of "so hey, how's your financial existence?, mine?, Mine's in ruins". It's not good to be living this nightmare and in isolation. But how many folks are going to readily tell you that they're also living this nightmare anyway, in the end.
I just find it reassuring to sign on here. I get to falling into a pitty-party of sorts. Life wasn't supposed to be like this, especially at the age of 50. I was supposed to be more comfortable. Able to go and help my newly launched daughters decorate their homes, shop with them (they don't have the money to shop either). Help my aged mil with expenses she incurs. Go take a vacation here and there with my husband, and our almost empty nest selves. Instead I sit here, in mostly isolation from the outside world, broker than broke, being hounded by debt collectors. One in particular, don't even know who it is, a "210" area code, calls incessantly. I don't answer. Have nothing to tell them, except I can't even buy groceries right now, how am I gonna give you anything?
So I fall into despair from time-to-time, and then I read here. And realize I'm not alone. It's comforting.
How we got here, and I guess, in large part, the reason I haven't yet pulled the trigger on BK (amongst other reasons). My husband has owned his own skilled trades-related/construction business since 1988. Still does. That's our main source of livelihood. My job, is a pittance of funds. It provides our health ins. and that's about it, it's only part-time. While we never got rich off of his owning that business. All we've ever done is eek out an existence at what he does for a living. Maybe in years past, take a vacation or two here or there, buy what needs replacing around here, put a little to the side. All that is so long gone, and seemingly never to return. No vacations, no replacing things that break, and certainly no putting anything to the side anymore. The work just isn't there anymore. And not like he can even go get a job elsewhere, that field, is dead. So we hang on, hoping for the next big job, that doesn't come. We bid, constantly against others, in a lot of cases hackjobs that have no credentials and proper licensing, and loose the bid, more often than not.
When will we bite the bullet and say enough is enough? I don't know. Wish I did. And, I guess fear of the unknown is always scarier than the fear you know, and know well. That's all dh has ever done for a living, in all of his working years. Doesn't know how to do anything else. And really, what else is there out there in the way of employment that is secure these days? Not much. Not unless he wants to go retrain and enter the medical field (about the only field I can see, that isn't loosing jobs rapidly), and at the ripe old age of 52, he's gonna go retrain to enter a medical field of employment? I dunno.
So, just wondered, how'd other folks get in this predicament with their lives?
And just wanted to say that these days when there is so little to be grateful for, at least in my world, I am grateful that I can find there are folks just like me, in these posts.
I just wanted to say that I come on here and find reassurance in reading all of these posts. Admittedly, I live pretty much an isolated existence. My job is one of a cubicle and a headset (no, not a debt collector). Talk to customers all day long, but not like I'm gonna strike up a conversation of "so hey, how's your financial existence?, mine?, Mine's in ruins". It's not good to be living this nightmare and in isolation. But how many folks are going to readily tell you that they're also living this nightmare anyway, in the end.
I just find it reassuring to sign on here. I get to falling into a pitty-party of sorts. Life wasn't supposed to be like this, especially at the age of 50. I was supposed to be more comfortable. Able to go and help my newly launched daughters decorate their homes, shop with them (they don't have the money to shop either). Help my aged mil with expenses she incurs. Go take a vacation here and there with my husband, and our almost empty nest selves. Instead I sit here, in mostly isolation from the outside world, broker than broke, being hounded by debt collectors. One in particular, don't even know who it is, a "210" area code, calls incessantly. I don't answer. Have nothing to tell them, except I can't even buy groceries right now, how am I gonna give you anything?
So I fall into despair from time-to-time, and then I read here. And realize I'm not alone. It's comforting.
How we got here, and I guess, in large part, the reason I haven't yet pulled the trigger on BK (amongst other reasons). My husband has owned his own skilled trades-related/construction business since 1988. Still does. That's our main source of livelihood. My job, is a pittance of funds. It provides our health ins. and that's about it, it's only part-time. While we never got rich off of his owning that business. All we've ever done is eek out an existence at what he does for a living. Maybe in years past, take a vacation or two here or there, buy what needs replacing around here, put a little to the side. All that is so long gone, and seemingly never to return. No vacations, no replacing things that break, and certainly no putting anything to the side anymore. The work just isn't there anymore. And not like he can even go get a job elsewhere, that field, is dead. So we hang on, hoping for the next big job, that doesn't come. We bid, constantly against others, in a lot of cases hackjobs that have no credentials and proper licensing, and loose the bid, more often than not.
When will we bite the bullet and say enough is enough? I don't know. Wish I did. And, I guess fear of the unknown is always scarier than the fear you know, and know well. That's all dh has ever done for a living, in all of his working years. Doesn't know how to do anything else. And really, what else is there out there in the way of employment that is secure these days? Not much. Not unless he wants to go retrain and enter the medical field (about the only field I can see, that isn't loosing jobs rapidly), and at the ripe old age of 52, he's gonna go retrain to enter a medical field of employment? I dunno.
So, just wondered, how'd other folks get in this predicament with their lives?
And just wanted to say that these days when there is so little to be grateful for, at least in my world, I am grateful that I can find there are folks just like me, in these posts.
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