Reflection:
Doing little things well is the foundation of my success
www.affirmationstation.com
As a spoonie, sometimes it's the little things that make the most impact. When you're three spoons down, getting the laundry done, cooking dinner, or freshening up the bathroom can make a world's difference. I try to take my life one spoon at a time, which means I look to the little things often. Today, I have a tutoring session, going to do Zumba (if spoons allow), and plan on getting some more accomplished with my Headache Diet Grocery Shopping Guide. With each little task, I can evaluate my spoons and move on to the next. If I focus on the big things too much (finances, career situation, living situation), I'll stress out too much and ultimately cause a flare. Yes, keeping up with the bigger items are very important, but it's the little things that build up to it. Here's an example:
Goal: Debt free
To accomplish this goal I need to focus on each bill. Paying little by little and working with each debtor will help me get to the final payoffs.
Goal: Getting back on my own
To accomplish this goal, I need to gradually purchase the small stuff we never think of (dishes, hangers, furniture, etc) so I do not freak out and have to buy it all at once. This helps lower the stress which can lower the chances for flares.
Goal: Build a long lasting career...in something that works for me
This one is a bit difficult. I was a banker before and had a flexible schedule, but my migraines made it difficult to keep a full-time schedule. I constantly had to use personal/vacation time to make it up, which isn't good. For now, I am working part-time in retail, tutoring students in math, and hoping to create some revenue from my books. Will either of these create a career path? You never know. I am also looking into being a certified teacher in business, science, or math (or all) so that's another possibility. I can use my degree for something and feel accomplished by molding young minds. For now, I can't stress on it. I need to do what I can, pay what I can, and see where the wind takes me.
It's all about balance. By accomplishing the little tasks effectively, you are ultimately helping the big picture become brighter. So if you find yourself looking to the big things, write down each small task to accomplish it and take it one task at a time.
I've been a migraine sufferer since 2009. I will mostly be sharing my migraine diet friendly foods and recipes, but I'll also share my experiences and tips for relief. Currently working on publishing my experiences.
Deal of the Day
Showing posts with label debt. Show all posts
Showing posts with label debt. Show all posts
Wednesday, October 9, 2013
Tuesday, September 24, 2013
A Spoonie's Debt
If you are like me, you are underwater with all your debts and your phone constantly rings with a new unfamiliar phone number. Today, I answered one and almost cried to the supervisor on the phone. I know they are just trying to do their job, but I am trying to survive!
When the associate finally answered after I gave four aggravating "hellos," I was already in a bad mood. If you're calling me so often, why aren't you immediately on the line to answer when I pick up? He's spouting out numbers and I'm explaining my situation. Obviously he doesn't understand, but he says he does. I explain I'm unemployed at the moment because my debts got so unbearable that I moved halfway across the country to live with my parents. The next question he asks, "well what about your spouse?" Excuse me? Do you really think I'd be in this situation if I was a two income household? I got a bit snappy, which I regret, but come on people! So then he says, "well why can't you borrow from friends and family?" I then explained paying debt with another debt doesn't help the situation. My primary focus is a job (or two) so I can gain income to pay off these debts. That's how the cash cycle works!
So he directs me to his supervisor because he's probably frustrated that I'm unable to pay anything. She then calmly says all I need to pay is $25 to delay the process for 40 days and she'll waive a late fee plus the credit card fee for me. Now there's some progress! I was still unsure about paying anything since I needed fuel to go search for jobs and even if I snagged one today, I wouldn't get paid for 2-3 weeks! However, I didn't want 75 phone calls from these guys a day so I paid it. If I needed to, I'll have to bury my ego even more to ask money from my parents for gas.
Does this scenario sound familiar to you? If you're like me with heavy medical debt, overdraft fees, and past due bills, it should. So what have you done to help your situation? I am seeking advice!
When the associate finally answered after I gave four aggravating "hellos," I was already in a bad mood. If you're calling me so often, why aren't you immediately on the line to answer when I pick up? He's spouting out numbers and I'm explaining my situation. Obviously he doesn't understand, but he says he does. I explain I'm unemployed at the moment because my debts got so unbearable that I moved halfway across the country to live with my parents. The next question he asks, "well what about your spouse?" Excuse me? Do you really think I'd be in this situation if I was a two income household? I got a bit snappy, which I regret, but come on people! So then he says, "well why can't you borrow from friends and family?" I then explained paying debt with another debt doesn't help the situation. My primary focus is a job (or two) so I can gain income to pay off these debts. That's how the cash cycle works!
So he directs me to his supervisor because he's probably frustrated that I'm unable to pay anything. She then calmly says all I need to pay is $25 to delay the process for 40 days and she'll waive a late fee plus the credit card fee for me. Now there's some progress! I was still unsure about paying anything since I needed fuel to go search for jobs and even if I snagged one today, I wouldn't get paid for 2-3 weeks! However, I didn't want 75 phone calls from these guys a day so I paid it. If I needed to, I'll have to bury my ego even more to ask money from my parents for gas.
Does this scenario sound familiar to you? If you're like me with heavy medical debt, overdraft fees, and past due bills, it should. So what have you done to help your situation? I am seeking advice!
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