i became disabled in 2003 with bipolar disorder. true to my illness, i accumulated massive amounts of debt from gambling...online internet. i accumulated so much debt in fact that once i was terminated from my job i found my only solution was to file for bankruptcy as i owed something like 30,000.00 and had absolutely nothing in savings. i mananged to come up with enough money to cover the lawyer fee and in fact paid him in advance so i wouldn't gamble the money away and did it. it wasn't pretty but there was no alternative. in actuality, at the time, my creditors were very understanding before filing. i was fortunate i guess.
today, i still owe money but it is all late fees and interest. i owe about 500.00 to paypal credit as i used to buy and sell on ebay but when i sold some jewelry i had insured the package and it was lost and because i didn't get a receipt saying it had been mailed, they deducted the money from a non existant bank acct. i later got the money from the p o however by that time another package that the buyer had never picked up at the po had been returned so there was another debit to my acct. at the same time i was having an episode and just gave up trying to settle the issue.
i owe the late fees on two other credit cards whose balances have more than been paid. you see ever month for years i was sending these ccs 100.00/month and finally i tallied it up and saw the evidence for myself. once i stopped paying there were even more late fees and interest charges. today, i just don't answer the telephone after getting an answering machine.
then there were the payday loans. they ruined my credit at the bank making it where i must used debit cards. ANYWAY.............
i make 1234.00/month. i live and care for my 87 yo father. i pay the cable/internet bill of about 110.00. this gas, cigarettes are my main bills. i manage ok if i don't play solitaire. the urge is strong to play but when i run out of money i am fine.
i was hospitalized in jan for 8 days many of those in ICU. i was billed about 90,000. but with my supplimental medicare insurance my part was 1225.00. i have saved up 400.00 of that and will have another 400.00 next week at which time i will mail a check or rather my father will as my credit is too far gone to get a checking acct. the bill will be paid in april in full and then i will start saving like crazy.
what i would eventually like to do is ladder cds monthly to the point where i would be able to eventually withdraw about 100.00/month to help out once i get on my own.
my car is a 91 mazda with about 65,000 miles on it bought from my aunt and she was the only owner. it is in good shape and i just paid my insurance this month of 315.00. gas runs about 30.00.
since i was hospitalized with respitory problems and have been unable to quit i was advised to cut down one half pack/day. i have done better whereas i used to smoke two packs a day i now smoke one. cigarettes are about 39.00/carton here for my brand.
i occassionally (once a month) go to the grocery store and buy 100.00+- groceries. and about once a month i will order take out for the three of us, dad, my brother and myself.
these are my bills. i am a good saver once i make up my mind to save. i know a little about gold and silver to buy and sell and have been buying a little gold when i could afford it. when i say gold, i mean gold jewelry used on ebay. since i can't have a bank acct i need stuff like that.
i have been reading these blogs for over a year and am jus t now submitting my blog. i hope it will hold me accountable to not gamble and also to save, save, save.=
introduction
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Jerry
March 23rd, 2012 at 02:31 am 1332469890