How did we get things done before the internet?
7 years ago
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How bad should things be before bankruptcy
Comments (33)Okay, I've been reading this thread and not responding to it b/c I don't want to have it come out wrong. I can't keep quiet any longer. I agree with many statements above. I would like to say these things: If you haven't already filed bankruptcy-DON'T do it. Your husband is like a child and you are not teaching him any good sound financial responsibility by bailing him out all the time. You've bailed him out 2x already and then signed for a loan for someone who has no credibility. Doesn't pay bills and loves to spend....HELLO that was not a smart move but you have to move ahead...can't look back. You guys created these debts you have to pay them. Your biggest expense next to your mortgage is your student loans....in almost all cases they can't be discharged. So you will still end up having to pay that. You've already stated you need your cars, so you'd be keeping those. You have to pay back your 401k loan...So basically you'd be trying to file off your 60k in CC and your SBA loan? Good luck.....you are going to ruin your credit....for a very long time IF you even get your bankruptcy granted with the new laws, you still may have to pay some of that back. What happens if you file and then have poor credit, no credit cards and then your water heater goes, or your furnace? You have no cards to pay it, no savings to pay it and no money to pay it. So you skip car payments to pay it then can't catch up and car gets repo'd and you have no way to work, lose your job, lose your house. Sounds extreme but it could happen. There are lots of people that are ONE crisis away from poverty and homelessness. I would set a budget, stick to it. Kick DH a$$.....if he's a photographer, start going to bridal shows get some clients offer better package pricing. Brides are bargain shoppers, if you have the best price and great photos you are hired. Hit the road and take photos of things when he isn't working. Enter photo contests w/cash prizes. Put your name out there. Free advertising is everywhere!!!! Stop crying over it and FIX IT!!!! Also, if you can sell stuff.....like 10 chairs to buy 4...then be smarter with the money. Sell 6 keep 4 and pay some bills. Take ALL the cards away from DH and give him a weekly allowance and that's it. If he's unhappy with that let him know that he did it to himself and needs to learn the hard way. Money doesn't grow on trees and the credit tree just got cut down. NO MORE MONEY......no more excuses. You made these bills now you have to lay in the "bed of bills" for a while. Once you recover from this you will feel a sense of relief and feel like a better person that you "took the bill by the horns" and paid everything down. You did the right thing and not the easy way out. Anyway, I'm all fired up, I hope this doesn't come across as insensitive. It's time to put your husband in his place and if he's not on board then he's got to find someone else to take advantage of financially b/c it's not gonna be you....See MorePen Pals? Did you ever have one/know of one? (before internet)
Comments (7)What fascinating stories, natesgram! What a wonderful thing to reconnect with your pen-pal from Micronesia after so many years. That's quite a gift! And what a sweet, sweet story about your father-in-law and how he met the love of his life. :-) My mother really inspired my interest in pen-pals. She had a pen-pal when she was a young girl in the 40s - a girl her own age who lived in Scotland. Mom saved several things that the girl had sent her, and over the years as I was growing up, I used to love to dig out those items and dream about a little girl from long ago and far away. I had my first pen-pal when I was a pre-teen. Her name was Barbara and she was an Italian beauty who lived in New Jersey. She was extremely boy crazy, and quite precocious for an 11 or 12-year old, and I remember being somewhat "scandalized" by her letters in which she told me of kissing (and petting with) boys. Shocking! ;-) When I was an older teenager I briefly had a young man as a pen-pal. His name was Christopher and he lived in England, and was very handsome. I definitely had a crush, but I also had a boyfriend who was jealous of my long-distance letter writing, so I stopped communicating with Christopher. I've wondered a few times over the years whatever happened to him. Thanks to magazines such as Country Decorating Ideas and Country Almanac, I've had quite a few pen-pals, several that I grew very close to throughout the years, even meeting in person and developing a relationship with their families as well. I reconnected with several of them on Facebook (but I no longer have an account there, so have kinda lost track of them again). Back in the early 90s, I probably had 5 or 6 very active pen-pal relationships with women who, like me, had a passion for decorating, collecting, and homemaking. We regularly sent each other "swap boxes" of goodies that we either handcrafted or picked up for one another in various antique shops or even at yard sales, and that was so much fun. Looking back to that time in my life, I wasn't working - I was a full-time homemaker - and the letter writing definitely filled a void and made my days at home more interesting. I still can't quite believe all of those pages and pages that I hand wrote! I just wrote a brief thank-you note to a work contact, and my handwriting has become just atrocious throughout the years. I know it wasn't this bad when I was regularly writing to my pen-pals! Fun topic! It made me stop and remember some really neat people from my past....See MoreI did 2 things I've never done before!
Comments (10)Through most of the year I have a landscaping business. In the early spring I help at my brothers greenhouse. Winters are very slow. This year I worked as a substitute teacher in the Rochester school system. I have never done anything like that before. I enjoyed it. I spent a week in an Emotional Behavior Disorder classroom. Wow. I spent just one day assisting a teacher in an elementary school teaching English to Speakers of Other Languages (ESOL). with the Mayo Clinic in Rochester they get kids from all over. Something like 75 kids in the ESOL program at this elementary school (K-5) representing 27 different countries. I had a little 2nd grader that insisted on teaching me how to write his name in Hebrew; his family moved here from Israel in November. It was a great experience this Winter. Ron...See MoreWe've done this before, but let's take a roll call
Comments (150)I live in Lovettsville, VA, which is in Loudoun County. We are considered "Northern Virginia" and are just outside of Washington, DC. I grew up in Fairfax County, which is even closer to DC than where I live now. I feel lucky to have grown up near DC and try not to take it for granted. It's still pretty amazing driving over the bridge and seeing a view of all the memorials from the car....See More- 7 years ago
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