11-05-2019, 03:03 PM
ME: Ok, so now that I recognize what’s going on. (Not trying to be redundant here, but background helps me collect my thoughts). I’m fixing my foundation both in my mind, and now in my life as well. The mission now is to correct every situation that I’ve been letting fester, putting off, neglecting or just generally not fixing that are likely to bite us in the backside later. I think the theme of my next little while is going to be fixing the consequences of spending forty years just letting life happen to me rather than taking any kind of responsibility or control.
For the last few years, that has manifested itself in being in a financial “knot”. Well, mostly financial, but it involves other things. A situation where having one problem prevented us from solving another, and that problem was stopping us from solving the first. For instance, last year we didn’t have the money to pay our monthly bills, so we wanted to refinance the house, but my wife’s credit was too low. Now, refinancing would have given us the money to pay the bills and immediately raise her credit score, but we could only get it done on my credit and got half the money.
I’m verbose enough without telling the story again, but we half solved the problem and are still afloat due to a rather amazing series of windfalls. Added to those problems, we had several large outstanding medical bills, and this stupid thing from our HOA. We have frequently had issues like this hanging out in the background, and I always told myself that I’d get to them when I could, and never did wind up getting to them until they became a major crisis. For instance one of the medical bills lead to my wife’s wages being garnished earlier this year, and it was only through one of those amazing windfalls that we were able to get that taken care of before at least one of us had to declare bankruptcy.
That was a pattern, I just said “eh, it’ll be ok I’ll deal with it later” until it definately was not OK.
I now understand what’s going on, and I think I should get ahead of it. I am going to list every financial sword of Damocles I have out there, and see what I can do. I don’t think that I can take care of it all right now before I’m forced to.
For the last few years, that has manifested itself in being in a financial “knot”. Well, mostly financial, but it involves other things. A situation where having one problem prevented us from solving another, and that problem was stopping us from solving the first. For instance, last year we didn’t have the money to pay our monthly bills, so we wanted to refinance the house, but my wife’s credit was too low. Now, refinancing would have given us the money to pay the bills and immediately raise her credit score, but we could only get it done on my credit and got half the money.
I’m verbose enough without telling the story again, but we half solved the problem and are still afloat due to a rather amazing series of windfalls. Added to those problems, we had several large outstanding medical bills, and this stupid thing from our HOA. We have frequently had issues like this hanging out in the background, and I always told myself that I’d get to them when I could, and never did wind up getting to them until they became a major crisis. For instance one of the medical bills lead to my wife’s wages being garnished earlier this year, and it was only through one of those amazing windfalls that we were able to get that taken care of before at least one of us had to declare bankruptcy.
That was a pattern, I just said “eh, it’ll be ok I’ll deal with it later” until it definately was not OK.
I now understand what’s going on, and I think I should get ahead of it. I am going to list every financial sword of Damocles I have out there, and see what I can do. I don’t think that I can take care of it all right now before I’m forced to.