Yea. I was in the hospital and ended up with the inability now to pay all my monthly obligations. The emergency fund has dried up and I’m going to start determining which credit cards do not get paid. I’m broke! I work two jobs 60 hours a week, my wife works 50+ hours a week and we cannot do it anymore.
Half tempted to end my life, this broke me. At least my wife would collect my life insurance and would be fine. Dave Ramsey couldn’t help this fiasco,
Screw this economy and burn down the hospital industrial complex.
The crazy thing is we are super frugal. We don’t go out, we bring our lunches to work, no vacations, no entertainment. Just your dad to day expenses. Insurance, taxes, food. The only thing that has gotten affordable is gasoline.
It’s one thing or another for my entire f’ing life. I swear God is punishing me for his own personal amusement at this point.
Sorry to hear that, FRiend
NO working people should be going broke for unexpected medical costs. No other 1st world nation allows for this to happen to their citizens.
God is not punishing you. It is greed of our fellow man and the Lord will intervene soon against these greedy savages
May I ask, have you tried doing a strict written budget and prioritizing your expenses in a way that Dave Ramsey suggests? Have you tried the Baby Steps? I say this as one who once felt the way you do but finally got down to it, went full blown Dave and while it took 4.5 years of awful, scorched earth rice and beans and 100% determination living for one reason and that was to get ourselves out of a rather deep pit of financial despair. There is no pit so deep that our loving God is not deeper yet please find others in your area that are dealing with this and work on a solution. Please do this. If there is something I can do to point you in the righjt direction feel free to ask.
I am sorry you are struggling. I am not sure why, but many FReepers, and a few of my neighbors seem genuinely out of touch, and lacking compassion for those who are experiencing just how bad things are for many Americans right now.
I see your problem. You are focused on your credit cards. The real question is “Where is your money going?”.
Most people get so focused on their “payments” that they lose sight of how to live. Dave Ramsey talks about the “Four Walls” and it is reality. Every creditor knows you can declare bankruptcy and they lose so they will work with you.