namtrag wrote:
Haha, I knew the accountant judgers would come out! How many fat, smoking doctors do you guys see? Lots!
I am an excellent accountant, but life choices such as having my now ex wife stay home with our kids for many years, which caused a great strain on our finances, putting my life savings down on my house right before the market plunged, the cost of small group health insurance ($2,350 per month for family plan), and my divorce have put me down for the count. Just trying to get back up before the count is up!
I am not making excuses or asking for sympathy for my own choices, but the situation is pressing down like a heavy stone, and I am just investigating alternatives.
The thread is taking on a life of its own, and that's really cool.
Witness protection program.....Just kidding.
Unfortunately, we live in a society of people that want/need instant gratification. People, and especially YOUNG people who want it NOW. These people do not look at the big picture and plan accordingly. Now I'm not saying this is the OP, believe I feel his pain. Back when my wife and I were first married, we went into some serious debt. House, credit cards, car loans, you name it. We picked our selves up, cutout ALL non-essential spending and in 2 - 3 years will retire with 7 figures under our belts. It took us about 3yrs to clean everything up and we are now in our early 50's ready to move on to fulltime RVing.
My advise, loose everything you don't need. Cable, cell phones, restaurants, take out/away, movies etc.... Consolidate ASAP. This is what we did in our early 20's when we got married. It's now kinda funny because we watch as our friends struggle now, in their 50's, and are doing what we did in our 20's. these are the same people who gave us a hard time when we refused the many nights out and not throwing things on the credit cards. They always said to us, come lets have a party, we'll take care of it next month. Well guess what, NEXT MONTH IS CALLING.....
