When I wrote my last post last week, I said no more negativity in my life. I am only going to think POSITIVE POSITIVE POSITIVE. When you decide to live your life that way, you notice the negativity that surrounds you everyday. Monday morning I went into work with such a burst of energy and a positive attitude that was shot down in about 30 seconds. I think my boss prefers to see me miserable because he is. By Tuesday night, he had me so worn out and by Thursday I was ready to give it up. If I would have quit, we would have been in big trouble. So Friday, I called out sick to give us both a 3 day break. Before leaving Thursday, I asked his wife for my vacation pay. I am not taking the vacation but I need the money and it will cover the day I called out. I was upset for missing a days pay but I know there would be a blow up Friday if I went in. I can’t continue like this and with Florida ranking highest in unemployment right now, a new job may not be so easy to find.
We got home late so I was tired Saturday morning. I got woken up by my husband bright and early with a “did you guys get in an accident or something last night in the CRV?” WHAT? So I walked out to find the whole back of the truck smashed in and the passenger side all marked up with some white crap. It wasn’t like that last night when we came home. I freaked because this is the lease we were turning in. The tag just expired and I didn’t renew it because we were turning it in. It is $90 to renew. So why renew it if I am not keeping it? My husband and I went back and fourth-do we call the police? These are no little scratches. Then if we call the police-we are gonna get a ticket for the expired tag. Oh geese. I thought, the insurance rates are gonna go up for the Civic if we put a claim in for this one. My husband decided he wanted to call, just to at least make a report. The officer came out and we all determined after talking for a while, the car was vandalized not in an accident. It seems to be a huge problem where we live. He chose his words well but clued us in that where we live is becoming a crime complex. They have been doing a “sweep up here” and have made a lot of arrests. He said usually they are here between 7pm-3am just not last night. When all was said and done-we chose NOT to make a report or involve the insurance. Luckily for me, they got me to sign up for the lease insurance which was like $5 more a month on my payment for up to 5k damages. I guess if that doesn’t cover it when they pick up the car-I am pretty sure that could put into the BK somehow. I will be calling the attorney Monday. I was always worried that was going to happen here but tried not to think about it.
So I ask. Do I continue to try and stay positive about everything?
Hey you! Seems like everything just keeps heading your way, the harder you try the more keeps coming beating on your door. I know it seems never ending, but the positives in this are you bought the lease insurance, so no out of pocket money to you, and the other amounts could be put in the BK if necessary.. so yes even in this situation there are positives.. you just have to keep looking for them in each situation. I didn’t mention this, but years ago when we were really struggling, young family, living in a townhouse, not the greatest part of town, I had bought a new car, a Neon, and this car was stolen 3 times in 12 months!! Each time with damage, I think I actually only drove that car like 3 months, then got rid of it! but each time it was damaged, etc, and imagine waking up three different times to find your car gone, it was maddening and crazy, and at the same time my DH’s car was vandalized. We got through that year, and the next, to then move to a better area, and things got better from there. It is tough now, but you can get through this, take it one step at a time, deal with each thing as it comes up.
Things could always, be worse, you could have been in the car, you could have had an accident, you and your family are safe, you have a roof over your head and you have food. That is SOMETHING to be positive for. Your turning this car in, you won’t have to deal with it, so it will also be one less worry.
As to work – do what you can, do the best job you can while you are there, then come home, and let it go. Your boss is a jerk, you can’t do anything about that, but you can refuse to let it linger, come home, leave everything at the door, and enjoy your family each night. In the meantime, you can still send out resumes, and do what you can to find a job, it might be tough, but better to be looking while you do have one. Make the decision to make changes where you can, you can look for a job, it may take months, but you will feel better knowing you are working to get out of the work situation you are in now.
As to the creditor calls – email me the # I’ll see if I can find out who they are – if I can or you have other CC’s calling you, you need to send them all Cease and Desist letters, this will forbid them from contacting you, other family or your job by phone – if they don’t stop after the letter, you can actually sue each one of them for $1000 per infraction. But in the meantime you should be able to stop all the harassing phone calls. If I can help you with the letters, let me know.
Please keep your head up, give yourself a few minutes to be mad then back to a positive attitude, sounds like you have a wonderful family, and that is something to be proud and happy about.
Reading this made me feel better.
Thank you!!! My husband went to his parents house and my father-in-law nearly flipped when he seen the truck. After they “analyzed”it, they both DON’T think it was vandalized. Looks like someone was probably drunk and slammed into it a few times.
My mother-in-law and husband had a talk about our debt and bills and she knows we are filing BK. He held off telling my father-in-law because he will flip out. He has enough on his plate right now with his health. He was so worried about how we were going to fix the car. My husband just told him the lease is up next month so it is getting turned in like that. This creditor that has been calling their house non-stop also mailed a letter to their house addressed to me so I now know who it is. The collection agency for my Citibank! The company is Northland Group Inc. Yes, they will be getting a cease and desist letter tomorrow. These are the same people that called me months ago that I called back thinking it had something to do with the house. I told them I was filing BK already! This is why I don’t answer their calls. You tell them you are filing but without a case #-they could care less and call back. The rep called me irresponsible and rude to not return the phone call on the last message. Nice.
When my husband came home this morning-we had a very long talk. It wasn’t nice at first but we both realize that we can’t dwell on things. Holding on to the negative brings more negative around you. I told him-no more talking about the car and our bad luck! Think positive! You are right. We have a roof over our heads and food in our tummies. Things could be so much worse!
As far as work-I will go in tomorrow with the positive outlook again. Let’s see if the jerk mellowed out since he knows I am getting sick of it. That should buy me time while I hit the classifieds and start my search for a new JOB!
Thanks for being so positive and sharing your experiences with me. It really helps me out.
Hey, I’m glad you feel better, and hopefully today will be better, sometimes it just feels like we keep hitting walls but with your DH on board, and both of you discussing these matters, you’ll get through it together. Just keep plugging away, putting what you can towards the lawyer and hopefully soon you’ll start seeing some light at the end of the tunnel!
: )
J
Awwww M.~ I am NOT laughing AT you….but geez- some days (or even weeks) it just doesn’t pay (ha..funny choice of word there) to get out of bed
I am so sorry for the yucko week you had.
Even with you recounting the bad stuff…I DID hear positivity poking through. The bookstore sounded so nice, the lease insurance you signed up for is a God send, and that you love the view from your window where you live. Small things, yes…but you have got to nurture your soul.
You will get through this, you have taken responsible steps to begin a fresh start. Only another month and the kids will be back in school, your neighbors will hopefully quite down, you will be closer, if not, officially and legally protected by BK and the Fall will begin a new chapter for your family. Stay strong…we are routing for you!!!