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No. of Recommendations: 1
feeling very glum and failure like

Stop that. Right now.

I've been there, too -- and so have many other (amazingly supportive) people on this board. You can do this! You really can!

There's nothing you can do about what happened in the past. Beating yourself up over it won't change the situation you're dealing with now. And I'll tell you something again that you'll hear over and over again on this board -- THIS IS NOTHING YOU CAN'T HANDLE!!!

Admitting you have a problem is the hardest part. Now you just have to take it one step at a time. You called the cc companies...that's a huge step to take. Congratulations! Nobody laughed at you. And they won't. Trust me, those companies love you (they certainly love me, too) -- and they'll do plenty to keep you from doing a balance transfer to another card company. That's the one positive from us charging up so much on our accounts. <grin> They want to keep you with them. They love you. Remember that. Use it to your advantage.

Focus on the positive. You're doing great! Baby steps...you'll get further than you think in no time at all. Hang in there and keep posting for support. You'll be surprised how many great people there are out there, with advice and support for you. Don't shove that head back in the sand -- you're too good looking for that anyway!
<grin>

To hwkncat -- for taking charge of your financial life!!!
Yippeee!!!

Lys
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