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My Story

May 29th, 2013 at 09:57 am

My story. Back in 2009, I finally got myself out of debt and stayed that way for about 2 years, life was good.

Fast forward to 2013 and I have more debt now than I ever had in my life. What happened? Life happened and I wasn't prepared.

I had some must needed medical work that had to be done, twice, and didn't have the cash to pay for it.

Then in May of 2011, I was hit - nearly head-on - in an auto accident. Even though the woman who hit me took off the front end of my car as well as the passenger side, I was hit at an angle.

I'm thankful she swerved but had she hit me on the driver's side, I'm positive I would either not be here today, I would not be walking or in a coma.

The accident knocked me around a bit. The air bag burned my face, my right arm was bruised and damaged (I drove a stick shift) and I had multiple discs in my spine pushed around. This caused a lot of pain throughout my entire body. Everyday I wake up to the unknown and unsure what part of me will hurt.

The only constant pain I have is in my right arm, hands and feet. Nerve damage.

I opted for surgery to repair the discs pressing on the nerves. After two weeks, yeah two weeks, I returned to work and I was "okay" for a few days, but the pain continued with a vengeance, even with medication.

I took a few more days off to rest and returned to work again. I was able to work a day and a half before I couldn't take the pain anymore. I told my employer I couldn't do this anymore and went out on disability for 3 months.

I had help, but with little money I did have and was receiving, it wasn't enough to sustain me past three months. I could have stayed where I was living, but I didn't want to struggle more especially with not knowing if my health was going to hold up so I moved.

Fast forward in between all of this and I am not the same person I used to be: no more races for me, can't exercise like I used to (and I loved working out) I'm always in pain, I can't do the things I used to do, a broken relationship, depression, weight gain, daily medication to half function, misuse of money, debt and just not caring anymore.

I suppose I've sat in the pity corner long enough and it's time for me to at least clean up my finances.

I also have a very expensive hobby I don't plan to give up as it also generates money on occasion. I do plan to sell some of my gear and stay off message boards and websites that tempt me to buy. I do have everything I need to continue in my hobby and in the future, when I can take a pay cut, I hope to engage in my hobby, as a profession, full-time.

I have a decent paying job, it's close to home and I have a lot of flexibility. I work for great people who are very understanding when I have to be out, go home or need to be late or leave early for a doctor's appointment.

I'm here (at SavingAdvice) because I need to be here and around people of like-mind.

It's quite possible my debt could be wiped out with my settlement money in a few weeks to a few months. I also don't want to be stupid when that windfall happens either. I want to be smart with my money again.

I know finances, at times, can be a reflection of what's going on in one's life and while I feel I should be in the gutter, I know I can do better.

I have help and a great family so it's not like I'm going at it alone. I will go back to keeping my mind "gazelle intensity" focused regarding my debt, reading financial websites, (I still watch Suze Orman and listen to Dave Ramsey), or books, stop looking at stuff I think will make me happy, deal with my emotions or at least talk about them so I don't engage in irresponsible behavior.

I hope to blog often.

7 Responses to “My Story”

  1. snafu Says:

    Hi, welcome to SA where we're all in different places on the continuum trying to improve finances. I'm sorry you've had a serious car accident which caused both body and financial pain and suffering. Perhaps by feeling better about how you are managing your finances and seeing options for improvement, you will be more confident about changes in other quadrants of your life. As a cancer survivor, I know recovery requires baby steps, day by day, sometimes hour by hour and cumulatively, it does improve. How wonderful that you have great support from your family and the people you work for. You know you can do better and I agree.

  2. laura (momcents) Says:

    Welcome. I think that acknowledging that you're not content with where you are indicates a motivation to start working on the areas that you can. I look forward to following your journey to success.

  3. imarunner Says:

    Thanks for the welcome Snafu. I'm a mess all around and even if I can't heal thyself, nor can the doctors, I can clean up my finances. I have made progress physically, I'm nowhere near the pain I was in, but the chronic pain is depressing, especially since I was a very active person. I tried the this is my new life and get used to the pain thing for about a week. Like my finances, ignoring some things doesn't work. I'm dealing with it, and as I wrote, I can do better. When I tell my friends I have debt, they don't believe me because I've always been the financial one of the group. They would come to me for advice. I can still give it, but I haven't been walking the talk. I feel ready and determined now. I don't want to fall back to old habits so I won't try to be too tight in the beginning but allow room for mistakes and working my budget. Thanks for stopping by, being here helps so much.

    @Laura, thank you too for the welcome. I think it was important that I stop hiding from myself and put it on paper and face it, truly. I've said it out loud to a friend(s), but I forgot to tell myself. I'm listening now.

  4. LuckyRobin Says:

    Welcome. Chronic pain is difficult to live with. It puts us on a rollercoaster where some days can be good and some days can be very, very bad. Most days are just barely manageable. Shifting your focus to keep your finances on track is a good thing. It can help you by giving you one area in your life that you can actually control.

  5. MissAngel Says:

    Another welcome! I've always found coming here helps to keep me focused. It's a great group!

  6. imarunner Says:

    @LuckyRobin, it most certainly is difficult. I think the rollercoaster comment says it all. i know my days are uncertain, but i will try harder because i can do better. i already have 90% of my budget written out for next month, just have to go over it again, something's not right. i actually have money left over. i do need to factor in misc. items, but if i follow it i should be able to throw more at my debt. i'm not at the beans and rice point, but if i stay on a budget, i can get rid of my debt faster instead of wondering where the money went. thanks for stopping by and for understanding.

    @MissAngel thanks for the welcome. yes, it helps. instead of reading message boards that encourage me to spend, i now read this one at work that encourages me to save. in time, i should be much better at it. thanks for stopping by.

  7. grades Says:

    In order to bring your finances in order, you first of all need to take care of the ordering of your life and then your finances will begin to come to normal.

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