Comments on: $33 of pride http://www.debtkid.com/33-of-pride Debt Kid - I'm Getting Out of Debt Sat, 21 Nov 2009 02:42:10 -0700 http://wordpress.org/?v=2.8.4 hourly 1 By: Dorm Life http://www.debtkid.com/33-of-pride/comment-page-1#comment-6187 Dorm Life Sat, 19 Jan 2008 01:55:51 +0000 http://www.debtkid.com/33-of-pride#comment-6187 [...] Talked with my real estate agent today. It looks like Greenpoint (the 2nd mortgage), wants to do a walk through/appraisal of the house. So….he told me not to clean. Funny. I guess he doesn’t want them thinking the offer we have on the house is too low. Guess I did that yardwork for nothing! Oh well. [...] [...] Talked with my real estate agent today. It looks like Greenpoint (the 2nd mortgage), wants to do a walk through/appraisal of the house. So….he told me not to clean. Funny. I guess he doesn’t want them thinking the offer we have on the house is too low. Guess I did that yardwork for nothing! Oh well. [...]

]]> By: Jewel http://www.debtkid.com/33-of-pride/comment-page-1#comment-3250 Jewel Wed, 03 Oct 2007 02:36:26 +0000 http://www.debtkid.com/33-of-pride#comment-3250 Please call into the Dave Ramsey show. He will help you. He has a good heart and was in a similar situation when he was your age. THERE IS HOPE! Keep it up, DebtKid. I know you can do it! Please call into the Dave Ramsey show. He will help you. He has a good heart and was in a similar situation when he was your age. THERE IS HOPE! Keep it up, DebtKid. I know you can do it!

]]> By: easychange http://www.debtkid.com/33-of-pride/comment-page-1#comment-332 easychange Mon, 23 Apr 2007 20:01:14 +0000 http://www.debtkid.com/33-of-pride#comment-332 Debt Kid, I like your story but I really think that you need to tell everyone that you care about that you are in debt. Here's why: It is an extremely difficult process to go through. It is a transformation, a long process. And by hiding it from people you will either become distant or resentful or lie or just get into more debt. None of those is a good option. You need to have people around you who can support you in the ups and downs, not people who are asking you to go out to eat all of the time. I feel like you might be a little focused on your pride. Pride is good, but not if it keeps everything that you've done a secret. Also, people who are close to you know you are having money trouble, trust me. It would go easier if you just mentioned the pink elephant that is in the room. Then you will spend less time focusing on it. I wish you the best and it sounds to me like you know what is important. And what a wonderful mother you have. Not many people would be able to forgive something like that. She sounds top-notch. As for the food, you might consider some cambell's condensed soups and crackers and/or some PB+J. I eat that stuff all the time and yes, it is a little more expensive than ramen, but when you can eat a meal for under 75 cents, its hard to complain. Debt Kid, I like your story but I really think that you need to tell everyone that you care about that you are in debt. Here’s why:

It is an extremely difficult process to go through. It is a transformation, a long process. And by hiding it from people you will either become distant or resentful or lie or just get into more debt. None of those is a good option.

You need to have people around you who can support you in the ups and downs, not people who are asking you to go out to eat all of the time. I feel like you might be a little focused on your pride. Pride is good, but not if it keeps everything that you’ve done a secret. Also, people who are close to you know you are having money trouble, trust me. It would go easier if you just mentioned the pink elephant that is in the room. Then you will spend less time focusing on it.

I wish you the best and it sounds to me like you know what is important. And what a wonderful mother you have. Not many people would be able to forgive something like that. She sounds top-notch.

As for the food, you might consider some cambell’s condensed soups and crackers and/or some PB+J. I eat that stuff all the time and yes, it is a little more expensive than ramen, but when you can eat a meal for under 75 cents, its hard to complain.

]]> By: mapgirl http://www.debtkid.com/33-of-pride/comment-page-1#comment-226 mapgirl Sat, 07 Apr 2007 21:48:40 +0000 http://www.debtkid.com/33-of-pride#comment-226 Good on you for nickel and diming yourself and knowing what your $33 really means in terms of the money you spent doing the yardwork, but knowing what intangible value it has. I'm glad you explained the money from your mother. I was wondering about that. I too am glad you are fighting your way out of debt. I'm not interested in Casey Serin's story. He sounds kind of idiotic to me and without a lot of remorse for what he did to get himself into his dilly of a pickle. I look forward to keeping tabs on you. I think you are doing the right thing by selling your stuff. Your stuff will never love you back the way your family and friends will. Good on you for nickel and diming yourself and knowing what your $33 really means in terms of the money you spent doing the yardwork, but knowing what intangible value it has.

I’m glad you explained the money from your mother. I was wondering about that.

I too am glad you are fighting your way out of debt. I’m not interested in Casey Serin’s story. He sounds kind of idiotic to me and without a lot of remorse for what he did to get himself into his dilly of a pickle.

I look forward to keeping tabs on you. I think you are doing the right thing by selling your stuff. Your stuff will never love you back the way your family and friends will.

]]> By: Wishful Thinker http://www.debtkid.com/33-of-pride/comment-page-1#comment-223 Wishful Thinker Fri, 06 Apr 2007 21:04:30 +0000 http://www.debtkid.com/33-of-pride#comment-223 Just read this update. I though I might be the first one with this comment but others are on the same page as me. Debtguy, tell your friends. They don't need the gory details, but it will be much easier for you if they have an understanding of what's going on. Tell them you made some pretty serious investment mistakes and your now working hard to make things right and get back on your feet. Friends will understand and support you. A few might be jerks and tsk tsk among themselves, but screw em'. Guarentee some of your friends are carrying some heavy credit card debt too. Probably can't beat you though. Anyway, once you tell them you'll feel a lot better. And if they are real friends you don't want to be lieing or decieving them which is bound to happen sooner or later. Good luck. Just read this update. I though I might be the first one with this comment but others are on the same page as me.

Debtguy, tell your friends. They don’t need the gory details, but it will be much easier for you if they have an understanding of what’s going on. Tell them you made some pretty serious investment mistakes and your now working hard to make things right and get back on your feet.

Friends will understand and support you. A few might be jerks and tsk tsk among themselves, but screw em’. Guarentee some of your friends are carrying some heavy credit card debt too. Probably can’t beat you though.

Anyway, once you tell them you’ll feel a lot better. And if they are real friends you don’t want to be lieing or decieving them which is bound to happen sooner or later.

Good luck.

]]> By: star http://www.debtkid.com/33-of-pride/comment-page-1#comment-217 star Thu, 05 Apr 2007 20:03:37 +0000 http://www.debtkid.com/33-of-pride#comment-217 I'd like to hear more about your daytrading. How long were you trading? How did you get started? What type of trading were you doing? How much experience did you have before you started actively trading? Why weren't you using stops? I’d like to hear more about your daytrading. How long were you trading? How did you get started? What type of trading were you doing? How much experience did you have before you started actively trading?

Why weren’t you using stops?

]]> By: Kim http://www.debtkid.com/33-of-pride/comment-page-1#comment-211 Kim Wed, 04 Apr 2007 18:34:15 +0000 http://www.debtkid.com/33-of-pride#comment-211 You don't have to tell your friends about your debt. It does make it difficult to explain why you can't go out for dinners, etc., but maybe you can find other things to suggest. The other day I spent a bit of time online and found a bunch of things to do in my city that are free. Cultural festivals and music festivals mostly. There are probably things you can do with your friends. Or why not suggest going over to their house and doing yardwork at their places, lol. Getting out of debt is often a two steps forward, one step back kind of thing. At least you got a nice day out of it. You don’t have to tell your friends about your debt. It does make it difficult to explain why you can’t go out for dinners, etc., but maybe you can find other things to suggest. The other day I spent a bit of time online and found a bunch of things to do in my city that are free. Cultural festivals and music festivals mostly. There are probably things you can do with your friends. Or why not suggest going over to their house and doing yardwork at their places, lol.

Getting out of debt is often a two steps forward, one step back kind of thing. At least you got a nice day out of it.

]]> By: in debt http://www.debtkid.com/33-of-pride/comment-page-1#comment-210 in debt Wed, 04 Apr 2007 17:03:10 +0000 http://www.debtkid.com/33-of-pride#comment-210 I noticed in your post that your current credit cards only offered you the 0% APR after you went a few months without paying them. How many months was this, I thought that after around 3 months that most would just send the bill to a debt collector. Because I've got a 24% APR on a card now, and if all it takes to get a 0% APR is to miss payments then I might just have to try it out. I noticed in your post that your current credit cards only offered you the 0% APR after you went a few months without paying them. How many months was this, I thought that after around 3 months that most would just send the bill to a debt collector. Because I’ve got a 24% APR on a card now, and if all it takes to get a 0% APR is to miss payments then I might just have to try it out.

]]> By: PMSPMS http://www.debtkid.com/33-of-pride/comment-page-1#comment-208 PMSPMS Wed, 04 Apr 2007 15:22:35 +0000 http://www.debtkid.com/33-of-pride#comment-208 Dude, fess up.... those that judge you by material possessions or wealth are shallow friends not worth having. Dude, fess up…. those that judge you by material possessions or wealth are shallow friends not worth having.

]]> By: Jay http://www.debtkid.com/33-of-pride/comment-page-1#comment-204 Jay Wed, 04 Apr 2007 12:33:28 +0000 http://www.debtkid.com/33-of-pride#comment-204 If you have a computer with speakers (or headphones), you can listen to Dave Ramsey's show for free every day. He webcasts the entire show from his web site You can also install itunes for free and subscribe to his 1 hour per day podcast. Give it a try. The best thing about Dave is that he has the ability to inspire. His techniques are mostly common sense. That's not why I tune in every day. I tune in because it's like having a free financial coach that keeps me on track and motivates me. As for your not telling your friends why you are selling your house... How would you react if one of your friends told you they were selling their house because they had gotten themselves into a financial mess? I'm sure you'd be supportive, right? I'm sure your friends will be as well (assuming they are really friends). Telling them will probably lower your stress too. Not that it would be easy to do. I faced a similar issue with drinking. I stopped because I really needed to. I hid this from my friends (who *love* drinking) for a while. It took a lot of pressure off of me when I finally told them. They were completely supportive. Keep up the good work. -Jay If you have a computer with speakers (or headphones), you can listen to Dave Ramsey’s show for free every day. He webcasts the entire show from his web site You can also install itunes for free and subscribe to his 1 hour per day podcast. Give it a try. The best thing about Dave is that he has the ability to inspire. His techniques are mostly common sense. That’s not why I tune in every day. I tune in because it’s like having a free financial coach that keeps me on track and motivates me.

As for your not telling your friends why you are selling your house… How would you react if one of your friends told you they were selling their house because they had gotten themselves into a financial mess? I’m sure you’d be supportive, right? I’m sure your friends will be as well (assuming they are really friends). Telling them will probably lower your stress too. Not that it would be easy to do. I faced a similar issue with drinking. I stopped because I really needed to. I hid this from my friends (who *love* drinking) for a while. It took a lot of pressure off of me when I finally told them. They were completely supportive.

Keep up the good work.
-Jay

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