I'm tired of being broke!

[howslife]

I am tired of being broke and not having enough money to do the things that I want to do. I don't think it's fair, especially since all my friends are able to do what they want. It is embarrassing not being able to go out with them because my credit card will be rejected if I try to use it anywhere. I wish i could make this all go away and start over!!

[disneysteve]

You've posted a couple of different places about being upset with your situation. That is certainly the first step in fixing the problem. As Dave Ramsey says, you have to be sick and tired of being sick and tired.

Stop comparing yourself to other people. They may earn more. They may have parents who send them money every month. They may have inherited money when a grandparent died. Or they may be up to their eyeballs in debt and you just don't know it.

There are a lot of us here who are happy to help you work through your debt situation but, as I said in your other thread, you need to provide some details.

Give us a breakdown of your current income, monthly expenses and extent of your debts with balances, interest rates and minimum payments. Then we can suggest a plan of attack that will help you clean up the mess and start moving forward toward a more financially sound future.

[maat55]

I found myself in your shoes years ago. I have never regretted giving up many of my luxuries to get out of debt and build an emergency fund. You need to establish a financial plan and stick to it. One day soon, you will have the peace that comes with being debtfree, having savings for hardships and steady growth for your future.

Once you get on this path, you will have the money to spend time with your friends, yet you will have a new found resistence to wasteful spending.

I had my moment as you have stated, I made the most of it and am not looking back.

[frustrated4real]

I'm so sick and tired of living paycheck to paycheck. I have honest decent job but it is not cutting it. I'm always in the negative and can't never get just 1 step ahead. I completely understand.

[cypher1]

Originally Posted by howslife

I am tired of being broke and not having enough money to do the things that I want to do.

Get another job to increase income, or start reading this forum for ideas/suggestions on budgeting your current situation.

Originally Posted by howslife

I don't think it's fair, especially since all my friends are able to do what they want.

"Life isn't fair. It's how you deal with it that matters." One of the best things my dad taught me at a young age. As for your friends, either they work harder for what they want or they're in debt more than you know. As others have said, don't compare yourself to your friends.

Originally Posted by howslife

It is embarrassing not being able to go out with them because my credit card will be rejected if I try to use it anywhere.

That goes back to budgeting or breaking down your current financial situation and developing a plan.

Originally Posted by howslife

I wish i could make this all go away and start over!!

Three options I can think of, lottery, bankruptcy or work on it one day at a time.

I apologize for sounding condescending, and you may just be venting. But it's difficult to hear others complain about expecting certain entitlements in life and not taking responsibilities for their actions.

[disneysteve]

Originally Posted by frustrated4real

I'm so sick and tired of living paycheck to paycheck. I have honest decent job but it is not cutting it. I'm always in the negative and can't never get just 1 step ahead. I completely understand.

I'd suggest you start a new thread. Post the details of your income and expenses and lots of folks here will be happy to help out.

[krantcents]

Okay, you described a problem! What are you going to do? Unfortunately, I can not be specific, but spend less than you earn and pay down your debt. Good luck.

[riverwed070707]

You know I haven't seen any on here since I started hanging around but I've been on enough message boards to spot a troll when I see one. My guess is someone is full of MUD and is just trying to get people riled.

[Redraidernurse]

I call either troll - or a person who is venting but doesn't really want help yet.

[DebbieL]

Originally Posted by riverwed070707

You know I haven't seen any on here since I started hanging around but I've been on enough message boards to spot a troll when I see one. My guess is someone is full of MUD and is just trying to get people riled.

Please don't start calling new posters "trolls". This post seemed NOTHING like a troll type post to me. Trolls normally say things that they know will upset/get a rise out of others - what was on this post to do that? Nothing. My feeling is that this is a very young person (talks about things being "unfair" etc).

[riverwed070707]

Originally Posted by DebbieL

Please don't start calling new posters "trolls". This post seemed NOTHING like a troll type post to me. Trolls normally say things that they know will upset/get a rise out of others - what was on this post to do that? Nothing. My feeling is that this is a very young person (talks about things being "unfair" etc).

Really nothing like a troll post? Maybe not this one isolated post, but in combination with his other posts I'm giving it the side eye. Not to mention that he's around enough to post but yet doesn't want to answer anyones questions so that something constructive could actually come from it -- just sayings that would get the average hard-working saver riled up.

"I don't think it's fair." "It is the credit cards fault." "Not all of us are lucky enough to know how to use credit cards without getting into debt."

Come on, this isn't this type of person who comes to a savings advice forum. People who come here want to learn and to better their situation. This person has spent 3+ months complaining about being broke and avoiding taking the blame for his financial situation.

[SarahJ]

Well first of all, stop spending more than you make. You can't go negative doing things you like. Just try and save for them this will give you something to look forward to. Life is what you make it and if you make it negative (money wise or attitude) that's what it will be.

[Gary Barzel]

A very helpful yet hard thing to do is to change your mindset. Being in a financially difficult situation can be, and is for most people extremely frustrating. Being that you're in the current situation, if you focus on all the good that you have, it will make things much easier, and help you get through this rough period. If your mind is settled and is accepting to your situation, you can then focus more clearly on your future, and learn how to get out of it. A positive outlook can go a very long way.

[photo]

Originally Posted by karengirl1988

I am sick of the life right now, but except for accept, I don't know what can i do?

Think about the positives in your life:

Are you physically and mentally healthy?
Do you have friends whose company you enjoy?
Do you have a roof over your head and are not homeless?

Whether you live in a rural or urban area, going to a park is a wonderful getaway. When was the last time you were at your public library? There are zillions of books and magazines for you to read and check out. It's generally a great time to buy fresh, delicious fruits and vegetables from your local farmer's market.

Money is nice to have, for sure, but when you don't have it, concentrate on what you do have and take advantage of every opportunity you can to enjoy life.

[Marto]

Having the drive to get out of current state is the first major step.

[alphadore]

can we get some more details? Your income and your expenses? Then only will you be able to get some good suggestions from the members.

[alphadore]

Originally Posted by Marto

Having the drive to get out of current state is the first major step.

I could not agree more!

[photo]

One thing that really helps is being around like-minded people. If you have friends who tend to concentrate their social lives around expensive events, then it's easier to feel like you're being left out or are being denied pleasures that others experience.

[Krazykat]

get a part time job if you can and sock away the money. Without knowing the situation, that's all I can suggest. If you can find something you like doing for side income, that will make it easier. I write and it helps.

[jasminhatcher]

I think you should definitely think about the company you're keeping, their unnecessary spending habits, and how its affecting you. When I was young I was broke all the time and so were my friends, but we always had a great time without spending too much.