4: Lessons in Life

One of the things I like most about myself, is my ability to find the lesson I was meant to learn through each experience.  This year I learned how to never give up.  There was one financial emergency after another all year.  The lioness in me finally came out roaring instead of allowing others to win battle via my forfeiture.  I wanted to control my life.

I’m going to be honest with you.  I was very nervous about this post but I couldn’t accept running away from a major point in my story this year.  This spring I received a phone call from a creditor with regard to a vehicle I signed for to assist a “friend.”  The loan was suppose to be paid off in July of 2014 and they wanted to know what I was planning to do to resolve the debt.  credit-score-factors-checklist-and-bad-credit-repairAfter numerous calls to this person to find out what we were going to do, I kept receiving excuses and lies.  I had become frustrated with the whole ordeal and went to a really dark place.  Why, you might ask?  I just wanted this whole thing to be over with and because this person still believes we have a friendship after everything that I have been through.  I do not want anything to do with this person after we transfer this title out of my name.  A 25 year friendship gone down the drain thanks to them not honoring their end of the agreement and paying the remaining $2,500.  I worked so hard to establish my credit and this entire situation has ruined it.  The world isn’t over and I will repair my credit. Lesson – never include myself in the credit issues of friends.

In the summer, I received a notice stating I was being garnished for another unresolved debt from my past.  This company had filed the information and sent it to my old address from 2012.  I never received any notice except from my employer.  After multiple times of trying to file with the courts for a different payment, I was unsuccessful.  This was due to my need to retain all money from my wages to pay the rent and take care of my household.  I may not have told you all this but I’m very prideful.  The struggle was the realest I’ve ever seen.  I went to specific institutions for help during this hardship and was denied.  That’s when I realized I was not going to give up on this battle.  The reduction in funds caused a few non-payment of rent slips being placed on my door.  Our electrical supplier had left a disconnection notice on our door.  A few years ago, I would’ve packed up and moved back to my mom’s but I refused to give in.  Through continued communication with all parties involved even The Kid, I managed to keep everything operating as normal.  Lesson – never be afraid to communicate your circumstance to those involved.

Fall came around and I was still making ends meet somehow.  Still fighting the fight for my family and stability.  I got the call about the new job and I knew things were on their way back up.  four-goals-for-your-first-work-week-at-a-new-job_447_392711_0_14082996_500I focused on clearing balances and doing some nice things for The Kid because he went through this with me and reassured me always that things would be alright.  I was regaining a sense of normalcy.  However, after everything that I had been through, I needed to be smarter and more discipline with the money I was earning.  Lesson – the end is always closer than you think but be prepared for rough times if they arise again.

The last three quarters of the year allowed me to grow as a provider and communicator.  My responsibility is to make sure the well-being of my family is foremost.  There is a serious need for me to become more structured with regard to my financial situation.  This has turned me to seek out professional help to re-establish my credit and grow my savings.  This post wasn’t as hard as it seemed but I feel freer by sharing my story with you. I shed more than my share of tears during this time but they all fell to help me appreciate my victory dance.  🙂

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