Comment by Jon Heim on October 9, 2010 at 1:47pm

You need to find Jesus!

Maybe God is punishing you?

sorry..I'm just trying to cheer ya up!

Comment by Jon Heim on October 9, 2010 at 1:47pm

hmm...seems this was posted twice.

Comment by Michael Sizer-Watt on October 9, 2010 at 4:58pm

Hi Desirai,

I know this will be of little relief, but honestly, it's meant to help. I was homeless for a short period only a few years ago. It sucked, but it proved to me what I had suspected - IMO - what we can perceive as the biggest problems in life are superfluous. I'm certainly not trying to belittle your frustration - I'm just saying that life is not over, and that means things can change for the better with a bit of wisdom and some effort. I know you're trying now, so please don't take this as some condescending rant where I'm trying to basically blame you for your situation - I'm not trying to do that - only to point out that no matter what happens, if you're healthy, life has potential. I hope that helps. I know it probably doesn't make you feel too much better right now, but I sincerely wish for you to see better days, and I hope what I have said might nudge you one inch in the right direction.

Best,
Mike.

Comment by Amy Fry on October 10, 2010 at 1:00am

One thing you can count on is EVERYTHING changes. It will get better. Might feel like your world is falling apart but you need to look at the little things. Focus on the fact you will have a roof over your head, food and (I hope) your health. The rest can be worked on. I was without a home or job about 14 years ago. It does change.

Comment by Ava Wilson on October 10, 2010 at 2:36am

It will get better. Honestly. if you don't have any money, don't be scared to seek government assistance for a short time. I'm sure they have a program for you as a struggling woman. For instance, with your lack of income you could probably apply for LIHEAP to help with your bills and avoiding shut-off notices. It can at least get you by as you look for a job.

The fact you're having such a depression in your life means the hilltop will only be higher than you expect when you finally see the sunlight.

Comment by Svendsen on October 10, 2010 at 3:44am

First of all,I do understand.I have alot of debt.I own about 40.000 dollars or something like that.A very good advice i will give you is this.use GRATITUDE,be thankful that you are struggling because it will make you grow,learn and get stronger mentally.Might be the breakdown for the breakthrough to something wonderful in the future.Maybe everything that's happening will teach you a greater lesson in life many people never get to learn.Make a choice to stop feeling sorry for yourself do it all 100 %.
Write a big list of dreams and goals you want to achieve,doesnt matter if you dont know how you can do it,you'll figure it out.I believe in you,no really i do.not joking,you can do this.Best advice i will give u to calm your nerves down is this; Ask yourself " Compare to what is my life bad?" Billions of people are died before us.We will never have a challenge in our lives that someone else before us havent faced.It's ALWAYS a way,at least your in relative health with possibilities to actually build and establish a life in health and wealth.Start meditating! its amazing!..1,4 billion people live in extreme circumstances,poor,sick,tired,unhealthy all over the world.There's no quistion your gonna get through this.Make a choice and do it all,have a attitude of gratitude,your mind will look for benefits instead of things that might make you feel bad..most thoughts the brain produces is pretty much lies.you dont need to believe all your thoughts.

Comment by Sydni Moser on October 10, 2010 at 6:01am

"Is life going to be this horrible forever?"

It might feel like there is no way out of the pit you feel yourself in, but of course, in time things will spring back for you. Your financial problems are beyond your control, the economy is in trouble, and there are few jobs out there - PERIOD! Young and old alike are struggling to make ends meet, and many have become homeless. You have a home to return to even if this is not an option you wanted to consider. You can finish up the few credits you still need to get your degree later, so just keep that on the back burner. Student loans will just have to wait, and they will. I'm sure you've considered every option available so nothing I might suggest will be helpful. Social Services can help, but won't pay your back rent and utilities since you owe so much at this point.

Go home and look for work. Know that you are not alone, and if you persevere, and as the economy slowly continues to recover, you will find employment. Take any job that becomes available. Anything to bring in a few bucks. Working will help you feel productive regardless, and these life lessons are just as important as the college degree you were seeking.

The biggest hurtle is to keep yourself from sinking into the depths of depression. Not easy to do considering you are burdened with big bills and have to make hard decisions that are not the options you want. If you find yourself slipping into despair, get help as soon as possible. Don't let it get the better of you. The longer you wait, the harder it becomes to climb back out.

It will get better, just hang on.....

Comment by Svendsen on October 10, 2010 at 7:40am

focus on "financial freedom" instead of affirmative that you have debt and need to get out of it.
focus on freedom and creation..build stuff,as Sydni said take on whatever work so you feel things is
going forward and follow that road.it's a tough thing to live in this world but we will all found something stabile to fall back towards in our elder days..i wish prayer works or else i would pray for it you hehe. through in some humor ;p do whatever to survive!

Comment by Atheist Exile on October 10, 2010 at 11:07am

I'm sorry about your troubles. That's a lot of weight to carry around . . . especially for somebody so young. Your suicidal talk ("I don't want to live if this is what life is going to be like.") is alarming. Things might seem insurmountable now but they're not. I can assure you that recovering your credit or even filing bankruptcy is preferable to not living. You'll get past this period of your life and go on to enjoy your own career or family or whatever life has in store for you.

My own early years of independence were very difficult. I too wondered if I were doomed to struggle. But things turned around and I raised 2 wonderful kids and enjoyed a challenging career. Real estate investments went well and I retired early (at the age of 52). I could never have believed these things were possible back in my twenties.

Give yourself time. Things have a way of working out for the best when you face your problems head on.

Comment by Keith Johnston on October 10, 2010 at 5:45pm

Just do what I did. Call the banks and tell them you can't pay anything. Then go into personal bankruptcy. Then you have a clean slate. You can take a job and you don't have to pay anybody anything. You don't need loans or to borrow money. They are just things to tie you down. I was fortunate to meet somebody and so I also moved to mexico just before I totally ran out of cash. Now almost 4 years down the line I'm finally getting work again.
Money is nothing. Just make sure you have enough to eat and you will be fine.

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