Yesterday was rather boring and uneventful – until I received a call from a debt collector.
Now, I’m aware that I am fully responsible for my debts. As much as I hate it, I know I need to pay these things off eventually. But being told you need to have $3600 by two days from now (or really, immediately) is somewhat of a heart-stopper, when it would take you three months to make that money without paying for anything else.
So, I listened to the debt collectors, who had a fun time calling me names, misreading everything I said, accusing me repeatedly of refusing to pay this bill (it’s not that I didn’t want to pay it – I simply could not afford it) and generally telling me I was a horrible person. I agreed to somehow come up with the money and pay them with a check over the phone.
Yikes. I don’t have $3600. I went into panic mode. Stressed myself out. Borrowed money from someone close to me and paid them off today, however.
There are still some small debts I owe money on, the large loan I’ve been paying $500/month on for over a year now, and the student loans I’ll owe money on, starting next year, for what willl probably feel like the rest of my life.
I’m resigning myself to the fact that I will probably never own a house or a new car on my own, unless I miraculously land a position in which I can suddenly pay off all of the debts or when I’m 65 and retired or something.
I don’t even have a retirement plan.
So I’m beginning the process of getting rid of most of my stuff (see previous entry on decluttering). I realized I have an apartment full of crap that I never use. I use my space for sleeping, eating, doing homework, bathing, knitting and internet. Not much else. If I can sell 50-75% of my stuff (because really, I don’t use much of it at all anymore, it’s been packed in boxes through three separate living spaces), maybe I’ll be able to make a dent in the debts.