In the last six months I have had alot of life changes. In February my fiance and I broke up. We had been together for 4 years. In retrospect I realize now we were not meant to be together. Over the last several years I have accumulated debt. I am 27 and make $35,000 and owe $10,000 Due to the fact I live in New York City, where the cost of living is extremely high I had to move back home with my parents. This has put me in a rut where I feel like a loser. I feel like I have dug myself in a hole that I am never going to get out. I look at my friends who have better paying jobs and no debt and I get upset. I feel like a loser. Most people my age are getting married and buying houses and I am living at home trying to pay off this debt. I feel like I may never meet anyone because of my situation. How do I stay positive? Hopefully in the next year or two I can pay off the bulf of the debt and get my own place. In September I am going to get a second job to help with this.
2006-07-23 08:35:32 · 12 answers · asked by James D 1 in Health ➔ Mental Health
this is Not so much debt ! it will be paid off sooner than you think...you can go to debt consolidation or offer lump sum settlements to your creditors; these are some of your legal options... start by getting this information...
don't sign any contracts that are too good to be true....
Read all documents carefully...
some want to help with real counseling & debt relief programs.....
But, some want to profit from your misfortune..(ads on TV)
cut yourself some slack...
make a plan...
do some research...
you'll feel better when you take things into your own hands & get the help you need...
welcome to the club !
you're NOT a loser !
you don't know how many of your friends are in dire straights, too...
2006-07-23 08:55:11 · answer #1 · answered by bjoybeads 4 · 1⤊ 0⤋
Well your really lucky to have parents that care for you. I think whats a positive outlook is that your not disabled. Dont worry about what other people have it doesn't matter. Soon you will have great things in your life. You may even meet your companion. Have fun with friends, watch movies, when you get stable move to a small town that is real cheap. Like move to Kansas or Missouri. I am telling you its cheaper their and in Iowa. If you have a job that wont let you go someplace like that than stay where you are put some money in your savings If you have a savings and maybe end up with some extra money. Pay off the money you owe first. When that is done save alot of money in the bank. Do some research on new areas to live and find out how much it costs. If your job status is to relocate and you can find your same job do it. For now have fun on the internet chat and use up excess time. Be patient its not easy to be successful. You aren't successful overnight. If you dont like your job dont do it, find a job you like better and go for it. Good luck and If you get lonely email me. I can suggest things you can do to pass your time , no one is a failure unless they believe they are not going to go no where.
2006-07-23 17:31:31 · answer #2 · answered by girl176a1 3 · 0⤊ 0⤋
Don't fret, I make less than you and have alot more debt...so it could be worse. Despite this, I don't feel like a loser at all. The problem is that you are judging yourself against others. It is human to see other people and want to be just like them, especially if they are friends and family, and in that way we are all pack animals. But the truth is that money and possessions are an artifical way to feel successful. You are a victim of capitalism...just like women who have low self esteem because they don't look like the models in magazines or TV. If you are honest to yourself about what your real goals are in life (not material possessions) and you don't give-up the pursuit of these goals, then you will rid yourself of this depression and be a real success, despite what anyone else thinks. I was in the same situation as you not too long ago. The funny thing is, your married friends with kids and homes probably secretly envy you for being single again and having the opportunity to pursue your dreams, while they are shackled to a lifetime in a self imposed prison.
2006-07-23 16:16:39 · answer #3 · answered by Gravity Boy 1 · 0⤊ 0⤋
Don't feel like a loser. Sometimes life hands us situations that we don't have a lot of control over. You're doing the best you can with what you have. As long as you have a plan, and know that you won't be with mum and dad forever, who really cares? You aren't living in a cardboard box, now are you?
2006-07-23 15:38:44 · answer #4 · answered by Anonymous · 0⤊ 0⤋
We cannot change what has happened, but we have enough energy to go for the future.
What you need to do is that you stop bothering about what had happened, except learning lesson of repeating your mistakes in future. Then, you need to collect your energies and devise a plan on paper to meet your goals in future time frame of 2 to 5 years, for which you must first have your core goals clear that you need to meet in life. These 2 to 5 years goal plan should cover your debt relief goal but not only this but all other important goals of all areas of your life. Then go after them. be in touch with some senior intellectual for adivice, around you. And do not forget to seek help of Allah as He is the One who is all around you to help.
Mohammad Asif
2006-07-23 15:48:12 · answer #5 · answered by fifa2006_A 2 · 0⤊ 0⤋
You may want to search Yahoo!Answers for this topic, as it is asked regularly, and has gotten some great answers.
It could be that the depression has its roots in stress and grief (of all the things you have lost recently) or in low blood sugar - something that happens to everybody every day, but for some it can hang around.
For basic information on hypoglycemia (low blood sugar), check out www.hufa.org. For information on its precursor condition – hyperinsulinemia – check out www.mayoclinic.com/health/hyperinsulinemia/.
2006-07-23 15:39:58 · answer #6 · answered by Pegasus90 6 · 0⤊ 0⤋
Do you ever think ....what would you do without your parents ....without your health ....without your intelligence to sort this out ....
After this is over you will look back and say ...what was I worrying for ....make this a new beginning .....get on with life and create a new beginning......you show them what your made of ....huh ..just as well you dropped the looser....he wasn't good enough for the new you
2006-07-23 15:43:52 · answer #7 · answered by pineforestkim 3 · 0⤊ 0⤋
Just remeber that there is only going to go up from here. When ever I'm depperessed I listen to Natile Cole - "Smile". That song alway helps me feel better. This all is making you a stronger person.
2006-07-23 15:41:09 · answer #8 · answered by Blackcatkurosaki 2 · 0⤊ 0⤋
Just remember, if you find yourself in a hole, QUIT DIGGING! Try something else! Stupidity is doing the same thing over and over again and expecting different results!
2006-07-23 15:41:11 · answer #9 · answered by Diane D 5 · 0⤊ 0⤋
Remember this to shall pass. You will get through this, I promice & the right person will come into your life. Life throws lots of trials but none that we cannot handle. I wish you all the luck & happiness.
2006-07-23 15:41:58 · answer #10 · answered by Z-Cat 5 · 0⤊ 0⤋