Here since: Jun 27, 2008
Female, 30
Empowering Women of Color, Mentor, Business Coach
Cocoa Inspiration
Cedar Hill, TX, USA
Languages: English
I understand the struggles many face when it comes to life. I am proving to be a testimony for the situations I myself faced only a very short time ago. My life is dramatically changing daily and so is my mind about success.
I hope to add a bit of inspiration for those who are seeking it, as well as, offer an opportunity for financial independence for those who want it.
It had to be one of the coldest day of the year in January, my lights were being shut off as well as my gas. I think I asked every family member I could find and they all said no or something like get a real job. My family did not believe in helping one another ,the only bragged about what each had and what it cost etc......A neighbor of mines called me over her house for some coffee, mind you I did not know her very well but as we sat in her kitchen I started to cried and she reached over to me and asked me what was happening in my life to be so sad. I told her the exact story I told you. My neighbor hugged me and told me that since she was a senior citizen that are money was limited. So she sent me home feleling as bad as when I came to visit. That night I cried myself to sleep and in the morning I had the worst headache I ever had.I mopped around the house all that day. I did not anwer my phone at all fearing the bill collectors. Suddenly it sounded as though someone was laying on my door bell because who ever it was did not let up off of it until i came to see who it was. My next door neighbor came to my house with some other people who had donated money to pay my light and gas and some money for food because there was going to be a snow storm and they were sure that the money would come in handy.This happened in Jan. of 2008, and I have in many way donated my time to those elderly neighbors. Oh I still owe the same utility companies and I am still at the same poor paying job, but for one month god had sent me a piece of blessing that has inspired me to try to help myself the best way I could.
Have you ever heard of Joyce Meyers? I recently was watching her on television. She is a great inspirational speaker who is a minister.
Basically what she says is that you have to make the decision to take control of your life. If you want to be debt free then you have to make the decision to be debt-free.
I remember hearing something that Anthony Robbins said and it was that when he and his wife were poor and facing bankruptcy he decided then and there not to be poor any more!
One of the first things that you are going to have to do is to realize that you matter. You wouldn't be on this earth if you didn't matter!
Nobody here knows the depths of your debt but there are always things that can be worked on. But you really have to start with yourself first!
Here since: Apr 4, 2008
Male, 33
Dad
Conroe, Texas
I owe 150,000 dollars to the IRS. You think you have problems? This wasnt a case of fraud or anything like that. I owned a business and fell on hard times. (Making bad business decsions is aparently my specialty). I tried to keep as many people employed as possible and in doing so was unable to pay some employer taxes. Am I worried? yeah maybe a little. ( ok im shaking in my boots). The irs is going to take everything, My house, cars, well pretty much everything. Sometimes I get severly depressed and angry. And then it happens. As I am sitting there in my chair in one of those depressed states, a five year old little boy walks in and asks me whats wrong. And for that moment absolutly nothing is wrong. We will spend whats left of the day together doing things that are fun to a 5 year old. (This usually involves me on the ground in excrutiating pain). Later I get a booster shot from a 3 year old little boy jetting across the backyard in a superman or spiderman costume while he sings the Indiana Jones Theme??? Dont know where he got that from. And still again my loving and supportive wife is never far away. You see Ive learned something. Believe it or not, I didnt for a long time. MONEY is not what you should be worried about. As a matter a fact it should rank way low on your list of priorities. ( right below a good piece of cheese cake). I know that eventually I will pay out of this IRS problem. Could take me 50 years but 50 years i will spend wisely on my credit card of life. I consider myself very lucky that I learned my money lesson very early in life. Iam 33 years old now. I may have to start over a few times and I my have much less than what I use to have. And by much less I mean close to nothing. But I have a secrect weapon, I have two little boys, a little girl on the way, and a wife all that will always love me no matter what. (By federal ccr code 11.9934x, the irs can not seize any living family members. This includes dogs cats and fish but may exclude mother in laws). I may come out ahead after all.
I will always teach my children what I know is right and I will always give them as much of my time as they need. but most of all I will keep trying for them. And as long as I do that, the rest kinda falls in place. I can handle No air conditiong, no cable tv, 1 shared car and a cramp apartment. What I cant handle is giving up.
I know most people who read this are looking for a sympathetic ear and you have it. If i were a rich man I would help as many people as I could. But for now all I can do is share this small journey that I am going through in my life. I am 33 years old I have maybe 40 years left to care about what really matters. Thats almost half my life that has gone by. I am going to make the best of it no matter what happens.