I always try to do the right thing. Then I see people not do the right thing and get what they want. Can’t do that. Somewhere, it will come back on you. Does me, know that for sure!
Anyways, one of the reasons I am in the spot I am is this little kitty. This little kitty, a bad choice on a vehicle and not understanding how to manage my money and live within means. I thought I was living within means, but pretty sure I wasn’t! I was making my payments and getting by, but knew it would come to a head at some point. That some point is now.
Let start with the car. Dealt with the same used car dealer for years, but the last car, a lemon. Every year, cost thousand or more to keep on the road. Took out loans and put it on my credit card because I live in an area where public transportation did not exist outside of town. I worked 25 miles away. Finally, needed another $3k this year to keep it legal. No way. Still had a loan on it. The only way to get rid of it was to trade it. Was able to, but now have much bigger payment. In the long run, will be a good deal, but right now, really a hardship. New car, so no repairs, but have higher payment because of them paying off old car.
Cat. Adopted a cat from the shelter in December. I am a huge animal person, volunteer with a cat rescue and farm animal rescue. I saw Cece’s face and that she was 9 and been in the shelter for 5 mos. Felt the need to rescue her and give her a better life. She was a one person cat before and really hurts me to see older animals in the shelter. She had some medical issues, but some I could relate to, but more than I bargained for. So, at the same time I had to get the car, she needed a huge dental and then had a scratched cornea. Lots of money, but couldn’t let any of it go. Back against the wall, but did what I felt was right.
So, really want to get back on track. Get rid of some old bills and reduce my debt. I have already sought help with managing my debt, but need to catch up and get the few left I have, pay them off so I can pay for the necessities. Got rid of cable, selling a few things and looking for second job. Can’t stand the anxiety with not being able to pay for what I should be able to.
I’m a simple person and don’t want drama. Just a life with the animals and good people. Thank you.