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Oh...so this is what rock bottom looks like.

March 19th, 2011 at 06:36 am

I feel like a hamster on one of those hamster wheels trying to get off the ride. However, I've stopped running on the wheel, but it continues to spin while I'm on it and now I feel like I'm a little beat down. This week I had charges, which are usually automated and were put on hold, go through and hit my account! Now really, it's so easy for them to take the money out, appologize, but so hard for them to put it back in the account. It will take 3-5 business days to get reimbursed on my netflix account money and my skin care program money, both were put on hold, but for whatever reason (full moon?) hit anyway. So, that $50 won't see my account until next week, which was supposed to go toward a credit card with a pay plan where they held the interest, only if we paid the $50. Aside from that, we have only $55 in our checking account, but it will probably go in the red on Monday when a gas charge from Wednesday didn't get posted until today. We still owe the dentist $900, but then will get reimbursed after we pay, even though we already paid a portion of it. Plus, my student loan, part of this months mortgage, and utility bills are due. My car is also rebelling, it took 15 miniutes yesterday to even want to start and when I got it going, it barely ran well. Right now I am trying not to be one of those magnets that attract all sorts of yucky stuff and am trying to fend off everything with all my strength, but am starting to feel beat down. I guess the image of a person being attacked by flying/pecking demons while they are trying to throw them off their back comes to mind (from a movie I saw). So...I guess this is what the feeling of being at rock bottom feels like...just plain old discouragement and wanting to throw my hands up to the Big Guy in the Sky and say "O.k buddy, I get it, we're broke and in a hot mess, but seriously man, give us a break because were trying!"

8 Responses to “Oh...so this is what rock bottom looks like. ”

  1. Just a thought Says:

    Hang in there! No matter how hard it seems, you can make it through this. At least from the bottom the only way to go is UP!

  2. MonkeyMama Says:

    Wise words - hang in there!

  3. Thrifty Ray Says:

    If your account goes red on Monday because of the $50- and then causes an overdraft fee...be sure to call your (bank) and explain that those charges that caused the overdraft are being refunded because of an error. They should refund the overdraft fee (especially when they see the refund come back into the account). I know this is just a small drop in your bucket...but every little bit helps.

    Keep in mind...if you have to eat an Elephant...the best way is one bite at a time. You cant tackle everything at once...so break it into small bites.

    Maybe a brainstorming session on how to bring in more money, reduce expenses....try to focus on what you CAN do...because you CAN do it. I am sorry there is so much coming at you. Hang in there!

  4. mamas debt time out Says:

    Thanks for the support you guys. It really is amazing how helpful it is. I like the one bite at a time advice, it puts things into perspective. I'm trying to figure out how to get a job on top of my business (that's pretty slow right now too). I'm also going around the house to see if I can sell stuff that I won't regret selling later down the line...like a watch that was once worth $400, but will probably only get under $75 due to scratches on the band.

  5. mjrube94 Says:

    I love that you continue to post despite these trials. It helps getting it all out in print. As the others have said, hang in there, one step at a time. You didn't get in this situation overnight, and you won't get out overnight. Slow and steady wins the race.

  6. creditcardfree Says:

    ((Hugs)) You are doing great. You know where you are. You are thinking like someone who wants to get out of debt. I can tell in your posts!! Keep your chin up, girl!

  7. melissalt Says:

    As hard as it is to believe sometimes, it will get better. Just having a plan and understanding what happened to your account is a huge plus -- think of all the people who would have absolutely no idea why their account was overdrawn.

    I am just climbing out of the place you find yourself in right now, so I completely understand where you're coming from. When other people make mistakes that screw up your life, the consequences seem twice as bad because you did everything you were supposed to do and still got ripped off!

    It really doesn't take long for things to get better though. Stick to your plan; try to avoid pity spending when you finally get your hands on some spare cash :-); and give yourself credit for what you've accomplished when you look back in a few weeks!

  8. LuckyRobin Says:

    We had that happen with a car payment three months running. We had suspended autopay (we were several months ahead) and were sending in physical checks, but each month they kept taking out the autopay anyway and then assuring us it would be turned off the next month. They never did refund the money to our account so things were very tight those three months before it all got straightened out. It was scary having our account in the red for a week before we got paid again. Hang in there. The good thing about rock bottom is there is no further place to fall. You can only climb back up.

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