Getting Out of Debt IS NOT THAT EASY

"You Can Do It" follow Dave Ramsey's plan, follow this plan, join our group and we will

help...we can give you Debt Relief.....WRONG.

What those groups do not account for is, kids get sick, cars get flat tires, unexpected bill come in, and many of us are stretched so thin we have no choice.  

I have sat down and counted up my bills day after day, every time I believe I have 30 extra dollars to spend you can bet that money is Gone in 60 Seconds.

It may seem easy on paper, it may seem easy on the ad, but in reality it is NOT that easy.

There is no money tree in our backyard, I cannot have my dad bail me out of this, it is not as if I can call up President Obama and ask him for debt relief.  The fact is I have to muddle through this on my own, I have to conquer this without "experts advice", I have to call unto the Lord to give me stregnth, wisdom, and mercy in my time of need....yes I believe financial issues are something you pray about.

While I may talk about my debt, or debt of others it is not to get your sympathy, it is to WARN others that may be on the verge of gettng this way, or to connect with those that feel under water.

~Becky

Rubber Checks are no good....Wise up Deadbeats!

Today, I am writing about a subject that might make some of you uncomfortable, or even offend you. If that is the case, put on your big girl panties and deal with it. 

Yes, we have established that I am broke; owe lots of money to lots of people. But I think that I am an ok individual. Take that back, I know I am ok. I look around the county that I live in and see so many people who are in the same boat as me. But there is a difference between them and me. I am broke and have morals and class. Sadly, there are some who do not. 

Here is my motto for how I live much of my life; if you can’t afford it, then you can’t afford it. I get so mad when I see all these deadbeats who have warrants out for their arrest for writing bad checks. Didn't someone ever tell them how irresponsible that was? I realize that the majority of these people don't care that this makes them look ridiculous. But most of these people have children. For goodness sake, you know how embarrassing that must be to have your mugshot plastered on the internet all because you decided to be an irresponsible adult. Grow up! Not only do you have to deal with the repercussions of this, but so do your kids. They have to go to school and here other kids make fun of them because their parents decided to act like deadbeats.  

What’s even sadder is that a lot of these people are in denial. They seemed to have forgotten that their hand is the one that signed those bad checks. I love hearing them talk in the grocery store about it, when they think no one else is listening. I hear “oh it was a mistake and I made the sheriffs dept. fix it”. LOL Really? Then why did they have your mugshot to begin with? Oh they must’ve followed you around and snapped one of you right? 

Geez. It is people like this who give the rest of us broke folks a bad name. I am not saying that I have never had an overdraft at the bank. But I have never denied it, and I have always brought my account into good standing. People need to realize that every decision and choice you make in this life have consequences. It is sad that some seem to think that this world owes them. 

Here is my advice to you: The world does not revolve around you; nor does anyone owe you anything! You want something in this life you work for it and earn it. Pay your bills! Don't overextend yourself. And most of all, be the kind of person that your kids are proud to call their parents

.

Again, if this offended anyone it wasn't intended to, it was my rant for the day!

Until next time….

Meghan

Broke Momma Becky

Everyone knows me as The Missouri Mom formerly Adventures Among Us.  I have recently discovered most think I am living the high life working from home, traveling, and having everything I

want.....sadly this is untrue.

Like Meghan, I am in debt and while I don't blame people for my debt, I do know 3/4 of my debt was unavoidable.  I have what you call "divorce" debt, the debt you rack up when you go through what I would call a never ending divorce.  

A divorce is something you cannot really plan for or at least I didn't, I now tell newly married couples to throw the marriage license away before they turn it in or start a saving account to pay for their divorce the day they marry.  I know that is harsh words, but in my head I would have been married until death do us apart, unfortunately that is not true.

Here is the reality of it, if you are planning to get a divorce (if that is something you can truly plan for) get a JOB, don't be that loving caring wife that stays home with the kids and cooks meals for her family. Have a job that you can support yourself on, then start saving for that attorney...even if you are happily married save for that OMG I didn't know moment.

What I have learned is while you may be ready to settle on your divorce, attorneys, the state, and anyone else that can be involved will find a way to drag your divorce out for months, maybe years longer.

While I have an ample amount of money to get by, I seriously know what it is like to scrap the change out of the bottom of my car just to buy my kids a soda.  When I say I am broke, I get well that is what you get, like I am being PUNISHED for being the stay at home mom!

For all of you that look around and complain about food stamps and government assistance programs...I know there are people who live off of the system, but in reality have you ever tried to file for assistance, get help, or find out what is available...reality check, it is NOT THAT EASY.

I spent 3 hours waiting for my case worker to call me back 3 days ago, then I get a letter in the mail stating she had tried to reach me, REALLY???? I called her, she said I will call you back at 2:10pm when I get back from lunch, well that must have been a LOOOOOOOOOOOOOOOOONG lunch, because she still has not returned my call!  It is NOT that easy, I assure you!

Folks, while I am not begging for sympathy, asking for help, or wanting you all to hand over money to us, although I do pray everyday to win the lottery that I don't play, I am saying DON'T KICK A SICK DOG WHILE WE ARE DOWN.  We get it that we are broke, we don't need punished, we need to vent, we need to CONNECT with other broke folks, and we need to let our frustrations out!

I must run now, I have to go and wait for that caseworker to call me back after she gets off her lunch break she took 3 days ago!

~Becky