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Personal Finances / Credit Cards and Consumer Debt


Subject:  Re: It's time. Date:  1/24/2019  8:24 PM
Author:  ThyPeace Number:  312409 of 312949

Hey there, Walstib! Glad you're still here and still thinking. Sorry to freak you out with the thought of $1,000 set aside. You've gotten excellent advice from folks here about how to think about that, so I won't rehash it. Instead, I will reinforce the idea of thinking about things every single day.

I really liked the last poster's idea of figuring out whether you can stay afloat -- income greater than bare minimum living -- or not. It's an important calculation, even if you just rough it out. Also, the panic you are now feeling is a completely normal part of this process. That doesn't make it feel any better! It just means that you are waking up to the situation you are in. Please try to consider that to be a good thing. You cannot change what you're not conscious of. I don't know what it took to wake you up, but I'm glad you did.

I'm tempted to suggest a few more things for you to think about, but recognize that maybe there's been enough for one day. Instead, I'll just ask: Did you send the payment to the Credit Card company yet? Looking forward to the Happy Dance moment!

ThyPeace, and small wins are good, so also looking forward to tomorrow's thoughts on the situation.
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