How to start all over again.

@bulastika (5966)
Philippines
August 14, 2011 8:29am CST
For four years I have no work. And every day I'm hoping that I can find work. our family is down and almost sold every thing. And one creditcard default one after another. From having half a million dollars worth now we are in debt of 20,000 dollars. Before we have five cars now we only have one and its already near default. We are now renting a house that in two months we have no more money to pay the rent. Its seems every day is getting worse with no hope of recovering. Just wondering when will it reach the bottom so that we can bounce back.
18 responses
• Philippines
14 Aug 11
I guess you need to find a new job for starters and work from there. There's no other way on paying that amount of debt but to get a stable job and save up. I think you have to do two jobs at once if your pay isn't enough because you also have to pay for your own bills.
@bulastika (5966)
• Philippines
19 Aug 11
that what I'm trying to do in the last three years. But I'm just out of luck. First I'm now in my 30's. And that's my problem as theirs so many fresh graduates that is young that they can hire so why will they going to hire me? Right now my only hope is to open my own business. Problem is that I don't have money to start one.
• Philippines
19 Aug 11
You'll definitely need money starting your business. You could make some loans if you're fixed on that.
@bulastika (5966)
• Philippines
30 Aug 11
I do agree. But right now my creditcard is full and I'm losing money every month because of expenses. I already full of debt. And I don't think I can recover from this unless I will thicken my face and live with my relates.
@myjoon (25)
• China
15 Aug 11
I'm sorry to hear that. Life always changes you will never know what is the next. So just be hopeful and brave , you have family and now what the most important thing is to find a job. No matter what job you find just do it. Just like you say you have to pay the rent and still have the debt, so do what you can do to find a job. May God bless you. Good luck.
@bulastika (5966)
• Philippines
31 Aug 11
Done that for three years now. Its seems nothing seems to be working. Only time will tell but right now what I see is that I keep on falling until now. I still not reach the rock bottom as we speak. But I'm hoping that it will be near.
@junmae (1586)
• Philippines
15 Aug 11
Why?What happened? That's really sad, we have gone into such situation and it's really hard especially when nobody wants to help. I am very much saddened of your situation and I hope that you will overcome all this trial. We pass through such period of our life and now we are starting to move on. My family never losses hope, they have strong faith with god, that's why we bounced back and hopefully my family and I will have a great future. Be strong and have faith your self and god, everything will fall into right places.
@bulastika (5966)
• Philippines
31 Aug 11
Yeah. But I guess that's life. What we need is just a break that's all. That what I need that what I'm hoping for the last three years. And I'm hoping that today is that day. I'm hoping that right now my phone ring and say that I have a job.
• Philippines
15 Aug 11
Wow a debt amounting to 20,000 dollars! That's pretty scary but I don't want to pull your spirit down. All I know is, however or whatever you hit rock bottom, there is always a way to bounce up and bounce back again.If you have to adjust to ways you were not used to, then you should do that.It takes time to adjust to things, but it is always possible to get adjusted for sure. At this point, you should try to examine what's left of you and try to develop that as you make your effort to survive. A good physical health and a healthy mind are one of the great start-ups you can have.
@bulastika (5966)
• Philippines
31 Aug 11
And you think you can have an healthy mind with that big amount of debt? I don't think so. Its frustrating and down depressing. But I don't give up. I want to bounce back. But like all balls. It does not bounce if its flat.
@katie0 (5203)
• Japan
15 Aug 11
I think first thing is accepting and then trying to undestand why something that can knock us down happened to us. Accepting they say is half way to the solution.
@bulastika (5966)
• Philippines
31 Aug 11
I already accepted that three years ago. But its seem the solution is far to reach for me. I applied in as many jobs position I can find. Theirs only two things they say to me. Its either I over qualified or overage. I know I'm overage. But I never thought being over qualified is a bad thing.
@nurseclare (2209)
• Philippines
15 Aug 11
I can feel you there, I know how hard it is for you but HOLD ON there is GOD, He is always willing to help you. Just stay faithful. I will pray for you, I know you can fix the mess in your life. God bless
@bulastika (5966)
• Philippines
31 Aug 11
Its been three years. its seem God just want to test me more. I know good thing will happen to me. But I'm hoping that it will happen to me soon. Not later. As Its really hard three years and I'm exhausted already.
@cudamani (996)
• India
14 Aug 11
If there is a will to fight back, then you will definitely bounce back. There is no doubt about that. All you have to do is never give up hope. Keep fighting with great spirit. The world is made for us.
@bulastika (5966)
• Philippines
31 Aug 11
I have a will to fight back. In fact I'm doing that for three years. And I guess none can last that long if I'm not fighting back. Problem is that until now I don't experience any break. And that what I really need right now a break.
@maximax8 (31053)
• United Kingdom
14 Aug 11
I am so sorry to hear about your situation. I wonder how old your children are. If you are husband and wife one of you could get a job anywhere that there is one. Then he or she could rent a small room and send money back home. That would give you money that you really do need. Then you could give as much money into paying off your debt each month as possible. You could make the number 1 thing you pay your rent. Your family could eat cheap food and drink water from the tap if it is safe to eat. For relaxing you could do free things like walking, playing in the park if your kids are young and visiting your local library. If life gets worse I advise sell your car and just hold onto where you live. Good luck.
@bulastika (5966)
• Philippines
30 Aug 11
I'm single. With a mom that is critical condition for three years now. A sister and brother in law that has no job. A niece with her husband that own a little business that don't even earn enough to pay electric bills. We have a good company four years back. earning good amount of money. Enough to own three cars. Although not enough to buy a house. But we go abroad once a year. When the company close down. We don't know what to do. We don't earn. Were at loss.
• Philippines
15 Aug 11
Bouncing back is a decision you need to decide to do. If you just wait and see, there is no bottom. It is a bottom-less pit that one who doesn't make a change will surely be on it until they die. It's not the lack of work that is the problem. It's what we truly think and accept in our life. There are a lot of opportunities. You can sell something by choosing a product from a lot of companies like Avon, Amway, DXN, and other companies. However, its a decision that you have to make for yourself. I know you are capable. You are born a winner. Your talents had been long hidden inside you. Make use of it and you'll become rich.
@bulastika (5966)
• Philippines
31 Aug 11
And you think I don't think of that? I also do that. I do buy and sell online. buy and sell of line. Every monday to wenesday I got out look for job. thursday and friday I go out to sell products. Saturday and sunday I go online and earn some few cents like posting in ptp. That what I do. I earn but my earnings is still not enough but my body is all tired because of lack of sleep.
@ejumalon (32)
• Philippines
14 Aug 11
If I can only help you, I would. But I do not have that much too. First of all, let us know what you are xpert at. Say, are you a sales person? A writer A musician etc? Then let me know so I can give you links where you can find online jobs that are free to join. I believe you can get back to that shoes little by little..regrds
@bulastika (5966)
• Philippines
30 Aug 11
How about a site that accept encoder. Its the best way to earn online if I can find a site for encoder. Actually that what I'm looking for three years. A site where I can encode. Listen only to the instructions or words from audio I will simply just type it down or from scan papers I will type it down.
@QeeGood (1213)
• Sweden
14 Aug 11
Please try to get your hope going for something to come up for you to pay your rent. Try to evaluate each and every option for getting a job or other ways to keep your finances rolling forward. I do hope you can manage in some positive way.
@bulastika (5966)
• Philippines
31 Aug 11
I hope so. But right now. What I need is a break. Thinking positive will not going to change reality. But if I can get a job now. Have a work now. At least I know tomorrow. I can pay my debt. I'm thinking positive of three years now and still not get find work.
• India
14 Aug 11
thats so bad,feeling sad for you but i think you need to be brave and find some work so that you and your family can survive,hoping things will change for you. Best of luck..:-)
@bulastika (5966)
• Philippines
30 Aug 11
That's what I'm doing all the time. I been in many places. Many interviews. But it seems I have hard time finding a job. I have hard time that I feel like I'm just wasting money finding a job wasting my time and life and effort of studying all this years.
@mmespino (77)
• Philippines
15 Aug 11
Everything happens for a big reason. just do your part and God will do the rest. i believe before this month will end your questions will be answered.
@bulastika (5966)
• Philippines
31 Aug 11
Its been three years and none has been answered until now. I hope so. Every morning. I'm hoping that my phone ring and I will get some good news that I have a job. But until now theirs none.
• United States
14 Aug 11
I've been out of work for close to 3 years, but after reading your situation I guess I'm not in as bad shape as I thought. It's sad to hear that your going through this. Pray and keep your faith because you'll need this to carry you through.
@bulastika (5966)
• Philippines
31 Aug 11
Same as me ha? lols. Right now what I only need is to find a job. A decent and stable job. I don't want to waste my time not doing anything. I want to earn at least 600 dollars a month. Just to survive and about 3,000 dollars a month if I want to provide medicine to my mother and to help my whole family too.
@sunita64 (6469)
• India
14 Aug 11
Problem sounds very serious but after every night there is a day. So remain positive and whatever job you get take it do not compare with your earlier profile, at the time of crisis even lesser work is good enough to see one through. May god bless you, I will pray for you.
@bulastika (5966)
• Philippines
30 Aug 11
And when that next day come their you have. Another big problem. Another day that increase your interest rate. Another day that you need to think where you going to get money where to borrow money and how to pay your debt at the same time because you don't have a job in the first place.
@waflay (2737)
• Nairobi, Kenya
14 Aug 11
So sad that you are enduring that much in your life, but your positive mind will keep you going. I hope you will regain back your balance and shoot up- doubling what you had by then.
@bulastika (5966)
• Philippines
19 Aug 11
I also hope so. But right now what I need is not support. But I need is a break. A job where I can start again. I have so many job application that I pass and in final interview but sad to say at the end of the day. They will say I'm too old for a job when the requirements is fresh graduates and lack experience if I apply for more senior position.
• Philippines
14 Aug 11
Do not lose hope whatever burdens you are carrying. It is important to remember that God is in control. Do not be afraid to ask God to help you. You can always find the solution for all the problems just never give up.
@bulastika (5966)
• Philippines
19 Aug 11
I hope so. But that's the problem. God is in control but the more I trust Him the harder my life is. Its like testing my faith to Him. Just wondering why those corrupt officials in our country don't suffer any problem like I do.
• Philippines
14 Aug 11
thats so sad..but its only a trial..be brave and stay strong..as long as you have your family with you,i know you will over come all of it. dont forget to pray and ask for help to the Lord. dont lose hope..
@bulastika (5966)
• Philippines
19 Aug 11
Hope and be strong is not an issue for me right now. What I need right now actually is a break. I hope I can find a job. Online or offline. Hoping to earn about 1,000 dollars a month. For me that is enough. But most of all if I can earn 5,000 dollars a month the better since I have a mom who right now is in dialysis.