Amen! And stay away from home equity loans too. Use the internet to sell stuff like those guns at the highest possible gain.
God helps those who help themselves. It's no sin to reach out to others for emotional support and networking for jobs. Church can be good, but so can volunteering.
In the original thread, several folks suggested work you can do on the side with small or no startup costs -- pet sitting, dog walking, tutoring, selling used books.
You've obviously struck quite a chord with a lot of us here. We all wish you well and hope that at least one suggestion works as a catalyst for you. From my personal perspective, life is often scary, but it is also beautiful, and the rewards and lessons are are not always obvious unless I am paying attention.
Our best wishes to you!
Religion has no place on WPMO. Take it to the religious group or send her a PM. One mans meat is another mans poison.
Here's another desperation tip. NEVER go to one of those companies that say they can reduce your credit card debt. In many cases, they can't, and while they are jerking you around, your creditors are planning their next moves including legal action. Plus, even though they say that your credit in many cases is not affected, that's a total lie. As soon as your first creditor finds out that you are using one of these companies, you will see your credit score drop by as much as 100 points.
A friend of mine did this and later found out that this company was charging her thousands of dollars for something that she could have done herself for free! If you have creditors, like credit cards, start calling and writing them asking for reduction in interest and smaller payments. If you have penalties, ask them to removed them. If they are resistant, tell them that you understand that they want the maximum payments but, unfortunately, if you can't get your creditors to work with you, you will be forced into bankruptcy and you are doing everything you can to 'do the right thing' and pay them instead of taking that drastic measure.
It worked for her. She has four creditors and each of them removed the penalties, lowered both interest and payments, but only AFTER she fired the company that was 'helping' her. I think the name of the company was something like 'Credit Solutions'. Thieves; all of them; preying on people who are already heading for poverty.
I agree with staying away from pay-day loans! Bad news everytime and in my personal opinion they should be outlawed!
For IamwhoIam: Your remarks were uncalled for and when advice is given it is up to the person receiving it to decide what to do with it! And did I miss the rule on this group that God's name should not be mentioned?
Payday loans is legalized extortion.
