It feels like no one ever talks about money. Friends don’t bring it up because everyone’s situation is so different. For me, it’s been so hard—every day feels like an uphill battle. I come home from work and feel like crying. Getting out of debt is such a slow process, and it’s hard to see a way out. I know things can get better, but right now, it’s just a really dark place.
I hear you. I’ve been working 65-75 hours a week this year to pay off my debts. I started with 60K and got it down to 30K so far. By the end of the month, I’ll knock off another 15K. It feels amazing when I pay something off, but the grind is lonely. I haven’t had a real weekend off in months. I can’t wait to finally be debt-free.
Debt is everywhere these days. Most people can’t manage without it. Mortgages, credit cards, loans—it’s all part of life. The key is having a plan to get out of it, but that’s easier said than done.
I’ve been debt-free for a while now, and I try to help my friends avoid making bad financial decisions. But honestly, most of them don’t listen unless they’re in a real pinch. Talking about money makes people uncomfortable, so I’ve learned to back off unless someone asks for advice.
Hang in there, friend. I know it feels lonely. I’ve been through some tough financial times too. I lived on one meal a day and slept on the floor to save money. It took years of learning, planning, and sticking to it, but I’ve paid off a lot of my debt and started building something for myself. It’s hard, but every step forward matters. You’ll get through this.
Funny thing—debt collectors call more often than friends or family these days. At least someone’s checking in, right?
Mckinley said:
Funny thing—debt collectors call more often than friends or family these days. At least someone’s checking in, right?
Next time they call, just start talking about your day. Make it super awkward for them.
I just stopped working. Not worth being broke and overworked at the same time.
You could look into debt relief programs. Your credit will take a hit, but it gives you some breathing room. I’ve put my kids through college and supported my family, and now I’m starting with National Debt Relief next month. I can’t wait to have some of this weight off my shoulders.
@Remi
Avoid those agencies if you can. They charge fees that eat into what you save. Work directly with your creditors—it’s harder, but you’ll save money and have more control over the process.
Cody said:
@Remi
Avoid those agencies if you can. They charge fees that eat into what you save. Work directly with your creditors—it’s harder, but you’ll save money and have more control over the process.
I’ve already gotten the fees in writing. It seems straightforward enough.
@Remi
Even so, you’ll save a lot more if you negotiate directly. I went through something similar, and cutting out the middleman helped me pay things off faster.
@Remi
Don’t do it. It wrecks your credit. Just buckle down and pay things off—it’s hard, but it works. I’ve learned that the hard way.
Have a kid. It won’t help with debt, but at least you won’t feel lonely anymore 