Back to the way things used to be...

I agree. The bad thing is that I've got so many of them I lost track of them. So, I'll pay them off and keep just one which I'd manage well from hereon. It's not totally bad, as I have a friend who manages her credit well, and I could learn a lot from her. Funny thing is (like most people) I'm actually good at teaching others how to manage their finances. But I can't do mine (what a fraud ) It's just that I do what I advise people not to do. But, that's dwelling in the past, so, lik you, I'd deal with it and move on. I'm glad I said this out loud in here. Feels good to just say it aloud and hear other peoples' opinions. Thanks!

No problem, you're welcome. Sometimes we all have to learn the hard way even though we know what to do. But I think now you understand that credit card debt can get out of hand real fast. Remember, the banks just keep piling on the interest and it makes it close to impossible for anyone to pay them off. I do know one thing, they like people who have a balance on their credit cards because they make tons of money of of them with the interest. They really don't want you to pay them off.

Thats great, good for you. Don't let them get the better of you ever again.

It does have the biggest effect on me, too. I hope we could all get out of this rut we're in. I have learned my lesson well, and I hope I won't go through this again in the future.

Unfortunately for me, this is a lesson that I have to keep re-learning. But it helps to have a plan. I just hope I could stick to it!

Well, we fall, we rise. We fall again, we rise again! And, you're right, it helps to have a plan. I do hope the best for you, as well as for me, too.

I totally agree with you! Life would be drab if we lost hope. Thank you for reminding me that. There are a lot of things we do regret about the past, but, I guess it's time to move on, and hope for the best.

Exactly. Things will work out, although not always the way we thought they would.

Yup, perhaps life is teaching us to be more flexible or adaptable to various situations that's why we constantly have these 'surprises' in life. But, I do believe "All's well that ends well."

They say that we learn best by experience. This is one lesson you wont forget......I know I havent!! I know that a LOT of adults have NO idea how to deal with their finances. Its a hit and miss thing with most.

Oh, yes, I'll never forget this painful lesson. I have read the book Rich Dad, Poor Dad last week, and I've learned a lot from there. Says in there kids need to learn how to manages money at an early age. It's quite the opposite for me. They gave mo money very early, and I had a daily allowance. I was used to spending everything because I knew I would be having money the next day.

I'm considering that, too. Bank loans do have a much lower interest rate. And, yes, I've learned that from my friend - she pays the bill within 30 days, so she doesn't get charged with interest. I guess, I had to go through it to learn these lessons. I agree, too, that kids should be taught how to manage not just credit cards but their finances. Lots of adults move through life not knowing how to deal with their finances.

Thanks for the suggesttion. I will go there and read about it. There are times that we really regret our decisions, so I think that we really have to think about things before we do with the decision.

That is so right. That's one thing I have to work on, too. As of now I have very little savings that won't be enough. It sure feels good to be alive and be able to hope for a better tomorrow!

Hi! I miss you, too! I hope we all find the "light at the end of our tunnels". It's a terribly long tunnel, don't you think? Sometimes, the darkness gets to us. But, I'm glad I could share all these things here at MyLot and somehow feel a certain degree of relief just saying out loud my thoughts. I hope you are well, too. Oh, BTW. It's a good thing I haven't quit my day job (even though I hate it so much, you know that) because it turns out my night job is very unstable. We're on a per project basis, and all I've got are very quick projects lasting 2 days to just a week, so most of the time, we're floating. I cannot imagine if I had quit my day job and get only a few working nights in the other job! I console my self with the thought that I may still need to learn some lessons here, that's why I can't get out just yet. Glad to hear from you!

That's one thing I'd like to work on, too, having a good credit score. I hope I can totally fix this mess I'm in. I guess that life is just like that and it is up to us to learn the skills to cope with whatever comes up.