Haven't posted much this year. Have missed it.

I don't know about everyone else but in my estimation, 2010 has been my personal worst year ever. Just about everything that could go wrong did this year. Have been paying back mortgage payments (twice the usual amount) since May and had to take out multiple loans to keep the house. Got so far behind that I couldn't keep up with the mortgage payments anymore and now the foreclosure process has started. We are so strapped financially that I really don't know where will be in a month. It's taken a toll on my wife's health and certainly a strain on the marriage. My family is everything for me and it is harder and harder to keep it together in front of my children. I have to raise $6000 by late January and it might as well be 6 million. My parents and others have bailed us out in lesser situations but I don't want that anymore. I don't want someone to have to take their money and bail us out when they didn't make the mistakes, I did. We have had this house for almost 13 years, it has been the only house my girls have ever known. I don't know how we're going to tell them...I am just completely bummed.

I have made so many mistakes financially. Me and my wife make close to $100,000 a year, we should be able to do this. We have almost completed Chapter 13 (9 more months) and yet I feel so completely defeated.

Can't blame a year for this. It's like George Michael sang, "you say the magic numbers and you say goodbye to the stupid mistakes you made". I still want to take 2010 out and beat it like they beat the fax machine in "Office Space".

Sorry for being down. Just losing my faith right now and since 2004 when I joined the Org, many of you have helped me through so many criseses. Just looking for a bit of advice or a friendly word.

I do hope you all have a safe and happy New Year.

Oh yeah, and the Gamecocks just lost. Kind of expected that.

Is the bank willing to allow changes for payment arrangements so you and your family can survive while dealing with this?

Would it be better just to sell, get an apartment, pay off any debts, recoup and plan for getting some place that is much cheaper?

Are there any credit counselling companies who will look at your finances, contact the bank and come to some sort of reasonable payment plan, as well as help you budget so you can pay the bills, and eat.

to relieve some of the overwhelming stress you are going through.

You will be in my prayers

2010 wasn't too bad for me overall. I landed a job near the end of last year and I am still working at it. Which doesn't seem too remarkable except for the fact that I hadn't had a steady job in six years. Unfortunately I lost my eldest sister to liver failure. On the good side, I hosted my first Thanksgiving dinner for my family, and it went off without any drama. It certainly was much better than 2009, which was one of the worst years of my life. But for all those who struggled last year, keep your head up and perservere. This too shall pass. And I hope 2011 is your best year ever.

[Edited 12/31/10 21:19pm]

GottaLetitgo said:

Haven't posted much this year. Have missed it.

I don't know about everyone else but in my estimation, 2010 has been my personal worst year ever. Just about everything that could go wrong did this year. Have been paying back mortgage payments (twice the usual amount) since May and had to take out multiple loans to keep the house. Got so far behind that I couldn't keep up with the mortgage payments anymore and now the foreclosure process has started. We are so strapped financially that I really don't know where will be in a month. It's taken a toll on my wife's health and certainly a strain on the marriage. My family is everything for me and it is harder and harder to keep it together in front of my children. I have to raise $6000 by late January and it might as well be 6 million. My parents and others have bailed us out in lesser situations but I don't want that anymore. I don't want someone to have to take their money and bail us out when they didn't make the mistakes, I did. We have had this house for almost 13 years, it has been the only house my girls have ever known. I don't know how we're going to tell them...I am just completely bummed.

I have made so many mistakes financially. Me and my wife make close to $100,000 a year, we should be able to do this. We have almost completed Chapter 13 (9 more months) and yet I feel so completely defeated.

Can't blame a year for this. It's like George Michael sang, "you say the magic numbers and you say goodbye to the stupid mistakes you made". I still want to take 2010 out and beat it like they beat the fax machine in "Office Space".

Sorry for being down. Just losing my faith right now and since 2004 when I joined the Org, many of you have helped me through so many criseses. Just looking for a bit of advice or a friendly word.

I do hope you all have a safe and happy New Year.

crap

Thanks, luv4u.

No Wells Fargo made an arrangement that was pretty much impossible to keep and we tried...but we had to borrow to much money to do so. And since the only place that would loan us money was on-line payday loans they just took the money out each paycheck and we can't stop them...and then we didn't have enough to pay the motgage. Basically I have become a stupidity cautionary tale. You read about people that have like 15 payday loans out and they have to keep taking loans to pay loans...that's us. And we can't declare bankruptcy because we're already under Chapter 13. And yesterday I talked to someone there who talked to me like I was the biggest scumbag in the world...and this was after paying them over $10,000 in the last few years. But I can't blame that jerkoff or anyone else. It is all pretty much my fault.

luv4u said:

Is the bank willing to allow changes for payment arrangements so you and your family can survive while dealing with this?

Would it be better just to sell, get an apartment, pay off any debts, recoup and plan for getting some place that is much cheaper?

Are there any credit counselling companies who will look at your finances, contact the bank and come to some sort of reasonable payment plan, as well as help you budget so you can pay the bills, and eat.

to relieve some of the overwhelming stress you are going through.

You will be in my prayers

728huey said:

2010 wasn't too bad for me overall. I landed a job near the end of last year and I am still working at it. Which doesn't seem too remarkable except for the fact that I hadn't had a steady job in six years. Unfortunately I lost my eldest sister to liver failure. On the good side, I hosted my first Thanksgiving dinner for my family, and it went off without any drama. It certainly was much better than 2009, which was one of the worst years of my life. But for all those who struggled last year, keep your head up and perservere. This too shall pass. And I hope 2011 is your best year ever.

[Edited 12/31/10 21:19pm]

I am sorry about your loss...I feel like a jackass talking about losing a house when I compare it to the loss of a loved one. I know someone at work who lost both her parents from cancer within a few weeks and I have to put things in perspective I guess. Juts never thought I would be one of those people who would lose their house.

crap

Well put.

My year was pretty good!

If the Avalon Airshow had also been on in 2010 (it's on every second year) I would have voted it as a better year than 2009

2010 had many things going for it!

First year my baby Max was in school, freeing up my days.

Getting the Australian Rihanna & Lady Gaga Tribute Show off the ground and running!

Meeting the Jupiter One boys and seeing them play

Awesome tax returns

Trip to Fiji

Trip to Sweden to hang out with 100 year old grandma

Trip to Cairns for surprise wedding anniversary.

Saw all the G & PG rated Ghibli movies with the boys

A hilarious Jupiter One tribute prank gone wrong

$90 bras on eBay for $25

It did have the worst christmas EVER

A new friend we just made in May, drowned 2 months later

i wish i had a solution to offer you. hang in there you and your family are together and that's a lot in the way of true wealth. for what it's worth i'll keep you in my heart

here's to 2011 :martini:

XxAxX said:

i wish i had a solution to offer you. hang in there you and your family are together and that's a lot in the way of true wealth. for what it's worth i'll keep you in my heart

here's to 2011 :martini:

Thank you XxAxX.

The only advice I can offer is to make sure you are actually putting the house first; forget about any other bill like cars and credit cards, let them fall behind to make your mortgage payment. Get rid of cell phones and cable. Remember you are "poor" until out of the crisis, your kids don't get clothes and electronics, you don't take vacations or buy special treats.

Make sure you have exhausted all options for coming up with the six grand, 401k loans, or cash out (there is a hardship clause that will let you get your money), sell cars computers, whatever you have.

Good luck

GottaLetitgo said:

728huey said:

2010 wasn't too bad for me overall. I landed a job near the end of last year and I am still working at it. Which doesn't seem too remarkable except for the fact that I hadn't had a steady job in six years. Unfortunately I lost my eldest sister to liver failure. On the good side, I hosted my first Thanksgiving dinner for my family, and it went off without any drama. It certainly was much better than 2009, which was one of the worst years of my life. But for all those who struggled last year, keep your head up and perservere. This too shall pass. And I hope 2011 is your best year ever.

[Edited 12/31/10 21:19pm]

I am sorry about your loss...I feel like a jackass talking about losing a house when I compare it to the loss of a loved one. I know someone at work who lost both her parents from cancer within a few weeks and I have to put things in perspective I guess. Juts never thought I would be one of those people who would lose their house.

Don't feel too bad about me. You're going through your own difficult situation with the home, and I went through that last year. As difficult as it was for me, at least I was single and had family to fall back on. You have a wife and kids to look after, and I know you're doing everything humanly possible to keep a roof over all of your heads. I will pray for you that something will work out soon, and even though things look bleak now, I know that another door is opening up for you and your family. Sometimes God, Allah, the universe, a higher power, whatever you want to call it, throws something huge in our path to wake us up and get us off the path we were on and onto something better.

I have a feeling this year's gonna be WAYY better

728huey said:

GottaLetitgo said:

I am sorry about your loss...I feel like a jackass talking about losing a house when I compare it to the loss of a loved one. I know someone at work who lost both her parents from cancer within a few weeks and I have to put things in perspective I guess. Juts never thought I would be one of those people who would lose their house.

Don't feel too bad about me. You're going through your own difficult situation with the home, and I went through that last year. As difficult as it was for me, at least I was single and had family to fall back on. You have a wife and kids to look after, and I know you're doing everything humanly possible to keep a roof over all of your heads. I will pray for you that something will work out soon, and even though things look bleak now, I know that another door is opening up for you and your family. Sometimes God, Allah, the universe, a higher power, whatever you want to call it, throws something huge in our path to wake us up and get us off the path we were on and onto something better.

I appreciate the kind words. The only thing I feel like God is telling me right now is "Stop screwing up your bank account" Keeping one's faith through adversities is hard but I'm trying.

amberella said:

I have a feeling this year's gonna be WAYY better

Hope so.

My wife just threw up a few minutes ago. We're trying to figure out if that is a bad omen for 2011 or if she is just exorcising the demons from 2010.

GottaLetitgo said:

My wife just threw up a few minutes ago. We're trying to figure out if that is a bad omen for 2011 or if she is just exorcising the demons from 2010.

i'd go with that's a good sign

Sorry to hear that 2010 was so rough for you, GottaLetitgo...

I, too, am glad to see 2010 leave and hope 2011 will arrive with something better:

• I started 2010 with the flu
• I broke my ankle in January
• My sister was diagnosed with MS
• I was diagnosed with kidney stones and have been in excruciating pain since June
• My mom was in the hospital and almost died
• personal drama...

Of course there were bright spots during the year, and I am thankful for what I do have and did achieve....

I am on target to get my Doctorate in the next month or so, and I am trying to work thru the personal crap, so... 2011, HERE I COME!

I hope everything will work out for you and your family as well!

spelling edit

[Edited 1/1/11 7:52am]

chocolate1 said:

Sorry to hear that 2010 was so rough for you, GottaLetitgo...

I, too, am glad to see 2010 leave and hope 2011 will arrive with something better:

• I started 2010 with the flu
• I broke my ankle in January
• My sister was diagnosed with MS
• I was disgnosed with kidney stones and have been in excruciating pain since June
• My mom was in the hospital and almost died
• personal drama...

Of course there were bright spots during the year, and I am thankful for what I do have and did achieve....

I am on target to get my Doctorate in the next month or so, and I am trying to work thru the personal crap, so... 2011, HERE I COME!

I hope everything will work out for you and your family as well!

I am sorry...dang, 2010 was an ugly, ugly beast for a lot of us.

Megamillions is now up to $290 million...I hope someone from the Org wins it.

2010 was pretty rough for us, too.

My heart breaks to hear of the bind you're in, Gotta. You're missed around here. I sincerely wish for a miracle solution for you and your family!

It was a very hard year for me too. So much personal and financial drama in the last months and it is not easy to keep the faith that times will get better again.

for everybody who had a bad year and let's hope that the new one will be better for us !

GottaLetitgo said:

728huey said:

2010 wasn't too bad for me overall. I landed a job near the end of last year and I am still working at it. Which doesn't seem too remarkable except for the fact that I hadn't had a steady job in six years. Unfortunately I lost my eldest sister to liver failure. On the good side, I hosted my first Thanksgiving dinner for my family, and it went off without any drama. It certainly was much better than 2009, which was one of the worst years of my life. But for all those who struggled last year, keep your head up and perservere. This too shall pass. And I hope 2011 is your best year ever.

[Edited 12/31/10 21:19pm]

I am sorry about your loss...I feel like a jackass talking about losing a house when I compare it to the loss of a loved one. I know someone at work who lost both her parents from cancer within a few weeks and I have to put things in perspective I guess. Juts never thought I would be one of those people who would lose their house.

Don't feel like that.

The loss of a loved one hurts deeply, but what you're going through is actually a hell of a lot more stressful in the long run, I think. Death is just that - death. It's done, and you can't fix it. This is something that you have to bust your ass to fix, causing terrible mental, emotional and physical stress that lasts. What you're going through isn't minor.

GottaLetitgo said:

My wife just threw up a few minutes ago. We're trying to figure out if that is a bad omen for 2011 or if she is just exorcising the demons from 2010.

I'm going with exorcism!

The last two years were awful for me. But it would be selfish of me to even bring it up. I hope this year is much better for you and that things will turn around soon for you and your family Gotta

heybaby said:

The last two years were awful for me. But it would be selfish of me to even bring it up. I hope this year is much better for you and that things will turn around soon for you and your family Gotta

No... we're all sharing, commiserating and wishing the best for one another.

Hope you have a better year as well.

GottaLetitgo said:

Haven't posted much this year. Have missed it.

I don't know about everyone else but in my estimation, 2010 has been my personal worst year ever. Just about everything that could go wrong did this year. Have been paying back mortgage payments (twice the usual amount) since May and had to take out multiple loans to keep the house. Got so far behind that I couldn't keep up with the mortgage payments anymore and now the foreclosure process has started. We are so strapped financially that I really don't know where will be in a month. It's taken a toll on my wife's health and certainly a strain on the marriage. My family is everything for me and it is harder and harder to keep it together in front of my children. I have to raise $6000 by late January and it might as well be 6 million. My parents and others have bailed us out in lesser situations but I don't want that anymore. I don't want someone to have to take their money and bail us out when they didn't make the mistakes, I did. We have had this house for almost 13 years, it has been the only house my girls have ever known. I don't know how we're going to tell them...I am just completely bummed.

I have made so many mistakes financially. Me and my wife make close to $100,000 a year, we should be able to do this. We have almost completed Chapter 13 (9 more months) and yet I feel so completely defeated.

Can't blame a year for this. It's like George Michael sang, "you say the magic numbers and you say goodbye to the stupid mistakes you made". I still want to take 2010 out and beat it like they beat the fax machine in "Office Space".

Sorry for being down. Just losing my faith right now and since 2004 when I joined the Org, many of you have helped me through so many criseses. Just looking for a bit of advice or a friendly word.

I do hope you all have a safe and happy New Year.

I'm sorry to hear this. I really hope you can turn this around. My 2010 was the worst financial year for me too. I made sooooo many stupid decisions and I just hate myself for it. And I'm losing my job in 2011 so now I'm worried because I can barely keep up with my bills as it is with my decent paying job. What's it going to be like when I have to be on unemployment while I'm looking for a new job which will more than likely include a pretty good pay cut? Good riddance, 2010!

But the way that I'm starting to look at it now is previous years I was so optimistic about the new years because I had so much. I had my house, I had a good job, I had friends and family. Surely it would be my year to lose weight, find true love, settle down, etc. And I never did. So I'm hoping the shittier the start of the year, the better the end of it.

GottaLetitgo said:

728huey said:

Don't feel too bad about me. You're going through your own difficult situation with the home, and I went through that last year. As difficult as it was for me, at least I was single and had family to fall back on. You have a wife and kids to look after, and I know you're doing everything humanly possible to keep a roof over all of your heads. I will pray for you that something will work out soon, and even though things look bleak now, I know that another door is opening up for you and your family. Sometimes God, Allah, the universe, a higher power, whatever you want to call it, throws something huge in our path to wake us up and get us off the path we were on and onto something better.

I appreciate the kind words. The only thing I feel like God is telling me right now is "Stop screwing up your bank account" Keeping one's faith through adversities is hard but I'm trying.

Ugh, I just did that.

Chris balanced our accounts right before I went food shopping this morning. So, keeping the budget in mind, I bought everything we needed and didn't spend a penny over the number he'd given me. I felt like I did so well!

Then I got home and it turned out the number he'd given me wasn't our food budget for the week - it was our entire budget for the week.

I hate myself when I do stupid shit like that.

2010 sucked donkey balls!

Prayers to all who need them, and even those who feel they don't.

"There, but for the grace of God, goes I"