Here I am. I’m putting it all out there because hopefully this will help someone. If you are squeamish or uncomfortable reading about someone’s struggles, then MAN ARE YOU READING THE WRONG BLOG.
A while back, I posted about bankruptcy, entitling it “Dave Ramsey Doesn’t Want You to Read This.” The guru of self-sufficiency is pretty black and white about what you can and can’t do to get out of debt and pretty much states that bankruptcy filing is a cop-out.
Well, folks, that man is full of shit sometimes. (Pardon me for not mentioning it earlier, but I might cuss just a little here).
Here’s what I will tell you about financial hardship:
1. Don’t count on your tax return for money. If you are expecting money back, don’t think about it until you have the actual check. We were expecting a sizable refund from 2010′s filing and then were audited, and then they disallowed a big tax credit, and then penalized us TWENTY PERCENT, so that our refund dwindled away to nothing and is now a tax bill of over $1,800.
Even if we had been given the refund, the fallacy in this is that people plan their finances around the tax return all the time. And then a lot of people spend it on recreational or luxury items (I consider something like a TV or a video game or a vacation a luxury item). Personally, we were going to spend ours on bills, on filing our bankruptcy, on groceries, badly needed clothes, and car repairs. Now we are starting from ground zero and figuring out a way to get through this mess without the tax money. It is, as they say, what it is.
2. Do NOT keep your burdens to yourself. I’m not saying to write it all out on a blog, but if there’s someone with the power to help you or even to encourage you, talk to them. I called our mortgage company today and talked to a very nice woman who is helping us to apply for a mortgage modification or loan assistance to lower our monthly payments. We are filling out a hardship document for the hospital bills still owed for PC’s surgery of over 14 months ago, to see if they will forgive part or all of the bill. The bankruptcy attorney said he will work with us to pay for his fees in installments, and will talk to the creditors to get them off our backs before our official filing.
DO NOT BE PROUD. Pride does not buy groceries. Explore the options available to you and if you think you have no options, talk to someone for a second opinion. You will be surprised.
3. Make a plan to change what you can. I have applied for a second job, and am doing some contract work for a friend to help make ends meet. We are living as frugally as we possibly can and are second-guessing every penny we spend to make sure it is for something we really need. Again, don’t be proud. Some friends were talking about getting together for dinner at “someplace inexpensive, like Applebees…” Instead of going along and spending money we couldn’t afford, I straight up said “That’s not something I’ve budgeted for, so I’ll have to pass.” Every penny counts.
4. Turn to a higher power. This actually should have been my first point. But there it is. Whether you believe in God or not, whether you pray or not, it should go without saying that if you have done all you humanly can, and you are still in a leaky boat, then turn to something or someone greater than yourself for peace, for inspiration, for healing and for hope. Your higher power may be nature. It may be the sun. It may be Buddha, or Mohammed, or Jesus Christ. Whatever you turn to in thanks for the good things, you should turn to for mercy in the bad times.
I have found in my life that things go VERY VERY badly when I think I can do everything myself. I am brought to my knees and humbled when I realize the wreckage I look at is a result of my own negligence, or pride or overestimation of abilities. Personally, I cannot live my life properly without God’s help: I know this because I have tried and failed numerous times.
When you release your pain and your fear and your sufferings (whether your suffering is relatively lighter than another person’s is not a consideration here), but when you release those things to a power greater than yourself and say “I can’t deal with this so I am turning it over to you with trust that you will show me the way and not let me fall,” – when you do that, the peace and release of stress you experience is enough to get you through the next five minutes, five hours, day or week.
YOU CANNOT FUNCTION PROPERLY WHEN YOU ARE PARALYZED BY FEAR OR CRIPPLED BY ANXIETY.
The Bible says “He did not give us the spirit of fear, but of power and understanding.”
5. Finally. No matter how dark it seems, no matter how out of control things feel, no matter how hopeless the situation looks, DO NOT GIVE UP. How you got to this point is important to understand, but don’t dwell on it if it won’t let you move forward. Look around and focus on something positive.
Never, ever, ever think to yourself that the situation you are in today is so dire that you can’t get through it. History is littered with stories of people who overcame unimaginable hardships. What if they had given up?
I had a fleeting thought several weeks ago about life insurance. About how my life insurance would take care of all of our debts and obligations, and how that money would fix everything. But it’s just money. I’m not paralyzed, I’m not disabled: I can earn money. Would life for my family be easier if they had money instead of me? Maybe. But would it be better? Absolutely not. For as much as I fail, for as hard as I make things for them, for as difficult as I have been – I am still a blessing to someone, and they need me.
If you find yourself thinking life would be easier or better for someone without you (and believe me, I’m not the only one who has had that thought), I know it’s not a suicidal thought: sometimes it’s nothing more than a tallying of the inventory of your worth. It’s a condemnation of your value. It’s a seemingly frank and objective assessment of what you have to offer.
And it’s wrong.
Like me, you may feel you have failed your family or yourself a thousand different ways. Like me, you may be taking an accounting of your life and feel at times that you suck. But I can promise you with 100% certainty that regardless of what you have done or imagined you have done, regardless of your feelings of futility, regardless of all the outside factors of debt or financial hardships or missteps: you are a blessing and value to someone.
Your checkbook may be worth nothing, but you are not your bank balance. You are precious and priceless and a value beyond diamonds, to one or two or a dozen or a thousand people.
I know you are out there. I know someone reading this got up this morning and thought “Everything is falling apart and I can’t do this and we will never get out from under this avalanche.” I know that feeling. I have that feeling.
But I’ve been through the avalanche. I’m still digging out of the snow, in fact. But if I see your hat sticking out of the snow, I’m going to dig for you and help you get out. People have done it for me. I know how it feels and I’m here to promise you this:
EVERYTHING WILL GET BETTER. Maybe not immediately, but work at it and you will get out of it. I PROMISE YOU.
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