Today I passed a remnant of a past life; a green folder was in my kitchen and in it sat bills stacked neatly with dates of every bill I got, this folder held bills from - WAIT FOR IT - 2004! So in 2004 my life and my bills were in order, 2004 was also the year my son was born and I attribute it to my life going to hell shortly thereafter but back to my green folder. In this folder I had neatly labeled each bill when it was due and each creditor had its very own section, all checks that I wrote to each creditor was also filed along with the folder- I even filed my paychecks of course there was a misc section for any bills that just popped up as we call it, so this morning as I passed this green folder with bills, paychecks from 2004 the thought occurred to me that my mailbox was now currently overflowing, I had no clue when bills were due and paid them barely on recollection, If a creditor said I owed x amount, I’d have to go by their word as I had no files or bills to prove anything as a matter a fact most of my life had been going in this direction. My employees would tell me they made x amount and I’d make payments based on their calculations - as a matter of fact you could say I AM IGNORING MY LIFE. So today when I passed this green folder I decided today might be a good day to start organizing my bills, I had basically lived on the edge for 4 yrs not even sure if I was paying my bills on time and frankly not really caring either as long as I wasn’t 30 days late. Now that I think back, up until 2004 I had some of my most prosperous years and part of that probably had to do with the things that I did including having some organization to my life and my finances.
With the state of the Economy and us basically going into a recession it gets harder to think positive thoughts about finances and everything revolving money issues. I have some very good friends of mine who are now losing their homes in foreclosure, and one of the things I hear often is that they ignore phone calls and bills and the creditors trying to contact them to work things out…they feel if they just ignore things it will get better but instead they wake up and there is a sheriff at the door taking their house. My response to alot of things is just NOT TO DEAL with it, but not dealing with things and ignoring them does not help your life, actually it makes it worse when you realize if you had just answered a creditors phone call or told them the problem you could have been helped.
IF YOU ARE CURRENTLY IN A SITUATION - WHETHER LOSING YOUR HOME OR YOU OWE DEBTS AND YOU CANNOT PAY - STOP IGNORING YOUR LIFE, START ANSWERING YOUR PHONE CALLS, START TELLING THE CREDITORS YOU HAVE A PROBLEM AND NEED HELP BUT MOST IMPORTANTLY STOP IGNORING YOUR LIFE!!
