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I wasn't sure about post here or to anything. It seemed like an announcement but didn't seem to fit with those posts. I think I am out of juice or damn near close. I am not going to do anything but have been waiting on something for years now. I thought things were about to be good but I discovered that I was put pretty deep into credit card debts I am on the hook for. Actively waiting for the end credits to start rolling. I don't even know why I made the post. I hope nobody else is feeling this way. I wouldn't wish this on anyone. If you have read this far I hope you have a better night,

I wasn't sure about post here or to anything. It seemed like an announcement but didn't seem to fit with those posts. I think I am out of juice or damn near close. I am not going to do anything but have been waiting on something for years now. I thought things were about to be good but I discovered that I was put pretty deep into credit card debts I am on the hook for. Actively waiting for the end credits to start rolling. I don't even know why I made the post. I hope nobody else is feeling this way. I wouldn't wish this on anyone. If you have read this far I hope you have a better night,

(post is archived)

[–] • 2 pts

You're a faggot, and you need to be heard.

And you need to bitch and whine and realize that you aren't alone.

[–] • 1 pt

I only have one friend. Knowing others are struggling with the same things as my family is an immense comfort. Sometimes it is ridiculously specific how similar our struggles are.

For an example, my wife does this thing where she will be "organizing" and she will bring me a pile of clothes and ask "did you want to get rid of these?", or even worse, "what do you want to do with these?" Dude, I have about 3 pairs of pants and 5 shirts, get rid of your own clothes!! My friends wife does the exact same thing.

Children do not listen to their moms as well as their dads, which leads to resentment that can be pretty deep, especially with female children.

None of us are alone except by choice. I really like the story "What Men Live By" by Tolstoy. We are here to help each other.

[–] • 1 pt

I'm glad you aren't alone, and that you have a wife.

I'm getting to the age where I am nearly certain I will be alone for the rest of my life.

It didn't used to seem like it was inevitable, but now it does.

I used to have so many girlfriends. I had a lot of things going for me.

[–] • 1 pt

I had a lot of things going for me.

You still do. You are alive and can use the internet freely, so at minimum you can spend the rest of your life laughing at memes.

[–] • 2 pts

If you have read this far I hope you have a better night,

The sun is just peeking up where I live. Keep your head up fren.

Don't waste your life or your death. Both are meaningful and have potential to change the world. Everyone can do something positive. Walk along the road and pick up trash.

If you can show hardship the credit card debt can be made in payments. The biggest pain is getting them to shut off more fees and interest while you work on paying. If you tell them you absolutely can not pay they may send it to collections. THOSE people are motivated to settle, and most only buy your principal debt, so they are willing to negotiate. If you get it to collections and then have zero contact with the collections for 7 years you are debt free.

[–] • 1 pt

Thanks for that advice and words of encouragement.

[–] • 1 pt

There's something called credit counseling. They negotiate debt reduction and put you in a payment plan. This isn't the same as filing bankruptcy. You end up paying 25 cents on the dollar.

You have to get rid of all credit cards and live on a budget with just cash. Don't let anyone else have access to your money and only spend it according to budget. Get rid of all subscriptions services. Give away your pets. Get out from under your debt. If your kids don't listen, you barrel ahead with the plan regardless. They won't respect you unless you get your shit together. Stick to the plan. Discipline is the key. 1. Start exercising. Look up the exercise post from yesterday. I posted an 11 minutes exercise plan. RCAF came up with it for pilots. 5BX I think it's called. 2. Stop drinking and smoking. 3. Take care of your appearance and hygiene

[–] • 0 pt

It's amazing how little money it costs to live, if you get rid of everything you don't need.

The Greeks used to tell the story of Diogenes of Sinope (a dude who was thought to be completely insane, by the way) who used to go around naked and sleep in a large broken ceramic pot. He had one possession, his bowl, in which he carried food when some was donated to him. One day he broke his bowl, and he cried. Then he bucked up, and decided he didn't need the bowl -- that he was hanging onto it, and that he would never have truly been free until it was gone. That cheered him up. The stories don't say what this crazy naked guy used to carry his food in after that -- maybe he didn't live long.

Point is, you can get by with less than you would think. I buy second-hand clothes. I don't need to do this, but I see no reason not to do it, since I save a bundle. I don't smoke, don't drink, and don't take drugs, not even maryjane. I don't miss any of them. I don't go to bars or taverns or clubs. I don't miss them. I don't even go to movies -- I download my own copy if I want to watch something. I haven't bought music for over fifty years. I don't watch television, so I'm not tempted by brainwashing television commercials. I don't own a cell phone -- never saw a reason to get one. I buy simple food, usually when it's on sale. I have a nice little house with some land and a woodlot. I pay my utilities, groceries, and tax on the house. I don't even own house insurance, because it's unnecessary.

However, I have enough money to buy a new house with cash, if my present house burned down. I buy new cars with cash, but keep them ten years. And I buy cheap, small cars that are easy on gas. I don't collect anything (well, lately, a few knives, but I only buy them if they are on sale). I have a credit card but I've never been in credit card debt. It gets paid off every month. And it has no yearly fee. It's a free service the bank provides for me because I'm smarter than their average punter. But anyone can do what I do. All it takes is a realization that material things don't count for a damn, and pleasure is always followed by pain and regret.

[–] • 0 pt

I think we both think along the same lines in a philosophical sense. I don't buy clothes really. I have shirts and pants from 10 and 20 years ago. I have a white cable knit sweater from 1990, vests from 1994. Perfect condition. Wash everything inside out gentle cycle, and dry with low heat. I got in shape and could start wearing those clothes again. Pay off credit cards straight away. Bought vehicle cash, and I'll keep it until it dies. Don't drink, smoke, take drugs, gamble, or have other vices. Waste not want not.

[–] • 0 pt

Depression is a bitch. I hope you get over it. As for credit card debt, that's a hole you dig for yourself. Since you can't handle credit, maybe you'd be better off without it. You say you're waiting. Wrong approach. You have to start doing. God helps those who help themselves. And those who pray, by the way. I suggest you open your Bible. You'd be surprised how much comfort it can give in troubled times.

[–] • 0 pt

There are ways to get out of debt, without paying. You should talk to a jew.

[–] • 0 pt

Now here's an interesting situation. We have this guy who feels guilty because he has a pile of debt, but if he owed 40 Million, he would gladly file bankruptcy and start over and run it up again. How does a guy do something similar at a smaller scale? Why can't this guy say "fuck it" to himself, and work the system? I know it's not the same. I know it's really not the same at all. It's like a problem not being wired like a sociopath, these days. I guess if you really have nothing to lose, you can do anything, though.

[–] • 0 pt

If only the debt were made by my own hands instead of just having my name attached. It probably would be so much easier if wired like a sociopath or psychopath. A whole different game for those types.

[–] • 1 pt

I'm praying for you, buddy. Maybe strap on some sociopath pants? It just sucks to get behind. Like living in quicksand.

[–] [deleted] • 0 pt

Nfcc.org

Start there. At the very least it's at least someone to talk to get a small bit of advice on finding the right path debt wise.

I'm in an odd spot myself right now but I'll get through it I suppose. Pretty hard to know when and how to ask for help when you've always been the one to take care of others.

[–] • 0 pt

Look up Shemitah.. The jews own the lending industry and they have built into it their Shemitah law of debt forgiveness every 7 years. We call it bankruptcy. To them it is a total normal thing they do every 7 years, to us goy it has attached to it huge amounts of guilt, shame and anxiety.

Take your debt and give it back to them, they don't care, it's built into their system, they have to do it, it's their law. If you feel guilty and shameful about it, don't go into debt with them again. In fact, never go into debt with them ever. All it does is enrich them.