Stuck in a trap of fear and unhappiness? related questions

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Stuck in a trap of fear and unhappiness?0Robyn2012-09-19 08:57:03
However, our financial condition = barely surviving. We reduce everything and only pay for what you need - rent, basic food, electricity, etc. We are completely broke after. We have no way forward unless I get a job that has been very difficult for me because I have anxiety disorders and depression. MedlinePlus MedlinePlus I had a job before, but I left a couple of days later because he could not handle it. I was nervous to go to work, I was scared the whole time I was working because I always think of the worst in my head - What if the mother is kidnapped or injured and no one is around to help her? What if he dies? What if they kick us out of our apartment, with no place to live. MedlinePlus MedlinePlus We have spent a few evacuation orders and were lucky to have a friend give us some money, we're still pays you back for months. I doubt we will lend money again after the time we have been paying. Mom has taken and continues to pay the loans back after almost a year. MedlinePlus MedlinePlus We'll never get out of this situation for rent and purchase. I want to buy what you do not have to live in fear of having a place to call home. I'm always emphasizing this. and even if you get a job, we would be in this situation for years just to get to a payment not mind paying the mortgage. which is not really a mortgage, just bring a lot of money for a down payment. and then I will focus on the time we can pay the mortgage. I do not think I can handle losing a home after all the hard work and stress. How did you come up with the down payment? How long did it take? What kind of work I have to do to buy a house? I'm still working on getting my grade 12 but I'm not a real school, only an online course for grade 10 jobs. (I have 18 years by the way) I do not like to see people walking and they live happy lives, worry about shelter or food. I'm pretending I'm always happy, laughing smile fake, fake ... I'm tired of putting on a show for everyone. MedlinePlus MedlinePlus I have not been diagnosed correctly with disorders.depression anxiety, but I'm 98% sure they do, I have had symptoms since I was 3. We can not afford a therapist (who can barely afford to survive) and no doctor to see a doctor. I do not know how to deal with this. MedlinePlus MedlinePlus there are some days I wish I could give up (do not die, just live a shitty life, easy) and sleep all day and I would be very depressed, and then there are other days when I decide I'm willing to suck up, get 3 seats work and work 18 hours / 7/days/week day.
I need some help with a Budgeted Balance Sheet I'm stuck and unable to resolve with I'm stuck. Help Please?0a Mom2012-10-11 23:52:38
I have to prepare a budgeted balance sheet and am stuck at some points , and I can not figure out what I'm stuck on . MedlinePlus MedlinePlus Real balances at November 30, 2010 : Accounts receivable $ 6,900 $ 2,000 Equipment Inventory Loan $ 10.400 $ 5,000 $ 1,800 Bank overdraft MedlinePlus accumulated depreciation (equipment ) $ 1,560 $ 3,600 Capital Creditors ? MedlinePlus MedlinePlus of the budgeted income statement for the month ending December 31, 2010 : MedlinePlus Sales 65,400 COS (35500) MedlinePlus Gross profit 29,900 MedlinePlus depreciation (1200) MedlinePlus operating expenses ( 23,840 ) MedlinePlus MedlinePlus 4860 profit MedlinePlus from end of month cash budget 2010 31 dem MedlinePlus MedlinePlus total expected income $ 46,140 MedlinePlus expected payments totaling $ 53,319 MedlinePlus MedlinePlus other information all sales made on credit , sales of 60 % collected in the month of the sale and the remainder in the following month. No bad debts MedlinePlus MedlinePlus Purchases for December and January are expected to be 35 970 and 38 400 . Purchases are paid 70% in the month of purchase and 30% in the next month . MedlinePlus MedlinePlus worth of new equipment was purchased 2000 to December 31 credit MedlinePlus MedlinePlus operating expenses are paid as incurred , however 1,000 of wages included as operating expenses remain unpaid at the end of December MedlinePlus MedlinePlus 1200 loan paid monthly MedlinePlus MedlinePlus owner will withdraw 500 cash for personal use during December MedlinePlus MedlinePlus Could someone please help .. This information to prepare a budgeted balance sheet . Thanks muchly .
Is law school really a trap?0EricaSalazar2012-11-05 13:18:59
Ive been dreaming of going to law school since I was a kid, too much judge Judy I guess. I went to the Law magnet High School and majored in Poli sci with a minor in Philosophy. I took a couple of years off to work and now planning to apply for 2009. But no I read and hear that its a waste, 100k in debt and if I dont get a job my first year in Im screwed. If I dont graduate top 10% from a t-15 school im also screwed. Is all this true. I never expected to make 160k at some big firm, but i never dreamed I would be unemployed with a JD. Should this be a concern or should I stop worrying and start signing those student loan papers?
I need help with the pay day loan trap?1Shi industry's top performers,2012-09-13 09:35:04
I've tried a debt settlement company in particular, but they suck . I need some serious information ! Someone or something that will help. I wat to pay cash, but I can not do everything at once . I owe about 1800.00 . I know I messed up so please ignore the comments smart . I can not take calls and threats anymore. I do not want to present B.K. . but that may be the only way out I just can , t see doing that for this amount of cash. Does anyone know of a legitimate program that can help? My situation is more complicated than I can express is: family illness , divorce , etc. I tried to negotiate with these people , but they are relentless in their demands . and refuse to work with me on some sort of monthly payment program . This is the only financial problem I have. I am aware of everything else , but I'm probably like most people these days living pay check to pay check , so do not have much cash on hand . This is driivg me nuts , I would appreciate any advice . Thank you !
How do I get out of the payday loan trap?2j.j2012-10-01 12:10:03
I have three payday loans with a total balance of $ 1,000. And interest rates are very high and can not keep up. Loans keep hitting my bank account and accused me 100-150 dollars in fees every two weeks. I also sent letters to companies online payday loans to revoke ACH transactions , but they keep trying to take money that is not in my account . I also wrote a letter to my bank and called them asking them to stop all ACH transactions to my account , but they will not do, I say stop costs $ 32 for each transaction , you do not even have in my account, which means you would have to pay $ 90 in fees every two weeks to stop each ACH transaction . The bank was willing to give up some positions , but will just go back once you charge my account again. My bank told me that my account will be closed in 15 days and will be reported to Chex Systems . Should I wait until my account is closed and sent to a collection agency , so overdraft fees come to an end and develop a payment plan . How to get out of payday hell ? Also I have 2000 in credit card debt . I can speak with an attorney about bankruptcy options and was told that I have to be at least $ 8,000 in debt. What do you suggest I do .
Can Perkins Loan Trap You At 1 College?0ozzy2012-09-07 23:44:04
my girlfriend is wanting to transfer to another college next fall , and they are increasing tuition by almost $ 3K next year and she will not be able to pay , but when she goes to the online registration page requests to request transcription the college currently going to say they have a hold on the transcript of Perkins loan defaults . Is it legal for the school to retain your file until you pay the $ 1.5K Perkins loans ? If so , are there gaps around ? looks like she is trapped against their will to remain in the university now unless she goes out with the $ 1,500 unless she wants to start a little more and not have their last two years of college credit transfer .
Help me lose this fear.?1Sumone2012-10-16 22:19:03
I gave my social number , routing number, account number , address, and a lot of personal information online for loans desperate . I stil received no money on my card . I have fear now that when you receive money on my card to be able to recover . What should I do . I have fear.
What is the easiest legal way of getting out of a debt trap of unsecured loans?1Teressa2012-11-03 21:09:02
What is the easiest way out of a legal debt trap of unsecured loans ?
I've come so far, but I fear that I'm back peddling.. Advice?0calf2012-09-11 18:17:03
Ok .. My plan this summer is to go to NYC . MedlinePlus Since August I started living like a miser and paid three credit cards . MedlinePlus I have one more to go student loans ( They are consolidated so I do not mind paying monthly because it is cheap ) . MedlinePlus But I doggonit freaking money spent 3 days in a row of fast food! ! He had left all this time and I lost some weight MedlinePlus . My plan was to have all my weight and my last credit card before April 15 ( the last day of the tax season ) .. I feel like I 'm going back to my old ways ( Do I do this for fear of failure ? ) Anyway , is the beginning of the month , please give me advice to get back on track and follow through on my goal ! I want to move to New York on July 16 ( my 30th birthday ) I'm tired of failing in my dreams , and I do not .. Please give me advice !
How can you overcome the fear of student loans?1sybrina2012-08-26 03:36:03
I 'm going to another year of college . Tuition is going up every year and students in similar situations I often struggle. Last year I had saved enough money for books , food , fees , etc. , and this year I will start with nothing . I applied for financial aid and took two loans available . However, I am still on a short piano . Today I made an online loan application for a private lender , but not sure I will go through with it or not. I just want to make a difference in my life , because right now I 'm poor and I want to finish college and land a good job with the help of God . So what should I do ?
Is it logical to fear your future as a result of your past?3Denise2012-11-05 17:50:02
People always tell me I worry too much and live in the past and the "negative" . I have fear of my future life , because of what happened to me before . As you know , the world is getting worse and worse every minute. People are becoming more and more cruel and get away with it . MedlinePlus MedlinePlus Whenever you plan for the future , never turns out the way you want. So in the end , I feel that it is pointless for me to plan for the future , and that I should just let whatever happens . It's making me quite depressed . I have 24 years , mental patients with OCD , anxiety , Tourette syndrome , and depression . I have my bachelor's degree in Spanish , and I'm still not fluent . I have no $ $ or resources to travel and immerse myself in foreign cultures and countries. MedlinePlus MedlinePlus Many people my age and younger , own businesses , are married with children , nice cars , a house , etc. Here , I'm just barely surviving on disability checks , large student loan debt , single, no children , very limited social life , no car . At least I have my own apartment .
Why does everyone succomon to fear and sell thier stocks when the media yells recession?1Chandice2012-10-24 21:04:02
People panic and sell their shares at low prices because they think they will lose money, when that's exactly what companies to go under. On Wall Street, stocks fell due to people panicing and selling their shares because the media smear in the world face when a few companies go bankrupt. I mean people are selling their shares (and not buy as they should be) in companies that are not doing badly, making their share prices fall. Remember America, to buy shares at low prices, the profit company money, what people do best and thrive. All the media hype of Fannie Mae and Freddie Mack, Lehman, and now the threat of AIG, has caused great loss to other companies in the stock market because people are thinking OH MY GOD

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