Need advice from PA elders re: getting out from under
For those who have some PA recovery, I just want to know if you can point me to some good articles, tools, etc. that specifically deal with how to "get out from under" when your procrastination has snowballed and now all you can do is put out fires.
For example, the stress of dealing with the courthouse preparation the other day snowballed into me not making enough money to pay a bill that is now going to mess up my interest rate. All because of $25 lousy bucks. How do you ever get out from under when everything is falling apart??? It's like robbing Peter to pay Paul, if you know what I mean. One thing interferes witih another, but you still have to do that one thing so that doesn't fall apart.
I'm just going crazy trying to figure out how to deal with this mess that I created from putting off my job search.
Thanks for any insights.
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lavida - have you tried DA?
This is the type of thing that DA (Debtors Anonymous) deals with specifically. They have what's called "pressure relief meetings" to help people with situations like this. Are you a member of DA? If not, I'd recommend it.
re: have you tried DA?
Funny you should mention, because this weekend I went to their website and found they have 3 meetings a week (in person) only about 15 minutes from me. I will go as soon as I have gas money to drive, lol. I may not be able to go till next week but you can bet I am finally making myself go to DA -- I've been avoiding it for a very long time because I could not face my debts which is my worst fear. I hate dealing with numbers.
How are you doing?
I read your topics a few days ago when freshly posted, but on my phone posting a reply is impossible on this forum and did not have my laptop available.
I was wondering how you were doing now? I saw another post of yours that you allowed yourself some free time to do things you like to do. I hope I can conclude from that post that you found a way to take a step forward because you sounded really on edge here (and your other post around the same time).
I also hope you did not get this bad interest rate because of the lack of 25$! I do not need to know your financial situation, but if I could help out by making sure your interest rate isn't messed up with only 25$, I would be glad to help!
And to get back on-topic: how to deal with when everything is falling apart. I don't think I can act as a situation-expert of some sort (my resulting problems are different) but maybe a reminder of the most obvious tips can already help:
- step1: forget about the past, don't dwell on how you got in this situation, just think about how you are going to get out of it! (and get stronger on the way out!)
- make a list of the most immediate problems (maybe in terms of money rewards?)
- tackle them one by one
- talk to a friend/family/... I don't know how possible this is for you and I do know it is difficult for outsiders to understand the reasons (procrastination) but a good friend/family won't care of the 'why' but will help you get out first! I did this and it helped me a lot, it gives you real life accountability and sometimes more in terms of help.
I don't have any more advice on the topic, sorry. Most of all I wanted to let you know you are not alone, you can get out of the situation you are in and even get out on top!
re: How are you doing?
Thanks, Yoh, that is very kind of you!
I'm in a really bad crunch now so all I can do is work around the clock. I'm currently not speaking to family members since they refused to give me rent money when they easily could have (that's a codependency issue for another fellowship). I have one friend who is trying to help me but so far has not come through with much for me -- hopefully we can get friend's furniture sold this week in time to make my rent payment to the court next week.
The best thing I can do is forget the past that got me into this and take action right now, like you said.
Thanks for your support :)