Believe it or not, yes, there are people with worse problems. I have come to be grateful I don't have some of those worse problems! Think about worst-case scenario health issues.
If my furniture was worth much (it isn't, it's mostly IKEA) or if I had any antiques, sure, I would sell them. De-clutter, yes, but I don't think I'll get any money out of my clutter. At least the garbage pick-up isn't a cancellable service!
I really don't have any unsecured debt. Just the mortgage and the car. Will bankruptcy do anything to help restructure mortgage payments? If I could re-finance just the principle over a 30-year mortgage, I think I could swing it. I know I have to do something right away, but something is holding me back. Fear of the unknown? An unwillingness to let go? Something else I cannot identify? I suppose it could be that I just don't want to lose the house. It's only a tiny run-down shack of a house, but it's my children's home...
My wife is already with her sister, a good distance away. She comes for weekends or special functions relating to the kids. It is good to have that "breathing room," but that leaves me to care for the kids by myself. Everthing is a trade-off.
More to come, must feed the kids now.
Thanks again to all of you,
John  |