I lost everything in my life?

Question

Hi

I was checking things on the internet and found this link wher I can put my personal stuation in writing and wait for advice, I am also taking profesianal help to get over things mentaly.

I am financial in big trouble, I previously used to sepend money without thinkig, and made high amount depts. I also had a ob which I just lost it, and now looking again for new one.

I need to find some one whop can sponser me to solve my finacial problems and get over this periode. I need some one who can listen to me or taking me serius, I am very hard worker, and I haben working hard all my life, since I was 12 years old. I growe up alone in this life, the last 4 yeas I made mistakes which is realy TO DIFFICULT FOR ME TO SOLVE.

I somethimes think that if I just kil my self I will be over of every financial problem, because I am also effecting my wife because of this problem. I was kidnap and this caused meloosing my job,

Lots of things in life appened which I did not want to caus

Answer 1

It happens, but don't worry too much.

You may need to file for bankruptcy and that's ok. Many who later succeed have done this.

The most important part of life is your attitude. If you have a good one... the rest will work out just fine.

Oh yes, don't ever forget to say your prayers.

Best wishes!

Answer 2

I have two degrees, and lost everything in the 1980's when oil prices went to $10/bbl. Lost everything, divorced, no future as a professional.

Believe me, it can always get worse. I just got out of federal prison for growing marijuana; 10 yr sentence.

Now I'm not only broke, I'm $95,000 in debt and still no future.

Here's an article I found


Bankrate.com
Saving when you're barely surviving
Monday August 28, 6:00 am ET
Don Taylor

Dear Dr. Don,
I am a husband and father of two young toddlers. My net pay is just enough to scrape by every two weeks. With health insurance premiums well over $400 per month, my net pay is only enough to cover the bills. Every time I set aside money, I end up having to use it all for some unforeseen expenditure, and then some with credit cards (whose balances continue to escalate). Where does one in my situation begin to save?
-- Underfunded Mike

Dear Mike,
Your question is one of the more difficult issues in personal finance. How do you work toward the future when you're having trouble getting through the week?
The key is to keep spending less than income. Easier said than done, but that doesn't mean it doesn't need to be done. Spiraling credit card balances aren't the answer. Credit cards just postpone the problem and have you spending money on finance charges that should be going toward meeting your family's needs.
Differentiate between what's necessary and what's nice in your monthly spending. Cutting out cell phones (or alternatively land lines), cable TV, dinners out, etc. brings down your monthly nut. Bankrate has a budget work sheet that you can download to put together a monthly spending plan. Talk to your employer's personnel department to see if there are ways of reducing the health-care costs while keeping family coverage. Taking advantage of flexible spending accounts to pay for medical costs with pretax dollars is one possible way of accomplishing this goal.
The other side of the equation is to increase income. Take a second job, or a third. Don't think of it as forever, just until you can get the credit card balances down and build a bit of a cash cushion. If your wife doesn't work, perhaps she should. Bankrate's "Should my spouse work, too?" calculator will help with that math.
The answers aren't easy, but you've got to ramp up income, throttle back on spending or both to get to the point where you move past paycheck-to-paycheck living and get to the point where your income is also building toward your family's future.
If you've worked through all this and still can't see a way, it's time to ask for help. Your state government might be able to help with health-care insurance for the children, for example. A Bankrate feature, "Finding help in hard times," has some other ideas, too.
To ask a question of Dr. Don, go to the "Ask the Experts" page, and select one of these topics: "financing a home," "saving & investing" or "money."

Investopedia – Debt Consolidation
http://www.investopedia.com/terms/d/debtconsolidation.asp

Answer 3

hi there - i'm so sorry you're having such a terrible time - please be assured that killing yourself is IN NO WAY an answer - if you care at all about your wife you will not hurt her so badly.
can i recommend that you
a) talk to the samaritans on 08457 90 90 90 and get confidential emotional support 24 hours a day.
b) speak to your doctor about getting immediate counselling and perhaps a short course of anti-depressants which will help you deal with your current situation.
c) visit www.cleardebt.co.uk who are a brilliant organisation, helping people out of debt WITHOUT selling them a loan.
suicide is a terrible, cruel thing to inflict on people you love - please seek help and i send you all my thoughts and good wishes. "this too shall pass".

Answer 4

nobody promise to as that life will be easy. we all make mistakes and learn from them. your problem is money and never forget- money come , moneys go- for God sake it is only money.
file the bankruptcy and start to work from the beginning- if you are hard worker , you will make in no time. don't even thing about killing yourself, you can not do this to your wife , your parents , family and all your friends you don't realize you have.
remember IT IS ONLY MONEY!!!
life is so mach more than that, i hope you will find this soon.

Answer 5

God I am so sorry to hear that... I don't think killing ur self is the way to go...its sad that u would see that as ur only way out.

Believe me it can't be that bad...I too was in depts but I just did what I had to do. Keep ur head up and it well get better!!!

I wish u the best of look and please keep living...