I never ask to borrow money, most certainly would never ask my own parents for any kind of financial help unless i desperately need it, yet i find myself wanting to turn to God for help, yet when i do, I feel guilty about it.
For the past 3 years i've been trying to pay off debts, I've made progress, made budgets, cut luxuries (cableTV, memberships), i've even stopped using credit cards. Yet just when i felt that I started to get ahead, a life emergency comes along and undoes all my hard work.
First i planned and saved for a trip to watch my nephew graduate highschool (whom i've haven't seen in 5 years due to distance) and just 3 weeks before I would leave, the wife had to go to the emergency room due to breathing issues, thus a whopping $3,000 bill comes in and causes me to cancel my travel plans and having to place $1,500 onto credit.
Then i have a sister getting married, my mom was kind enough to pay for airline tickets to see the wedding and treated it like a big family gift (which i'm am so grateful for) yet 4 days before the trip, my cat somehow broke her leg causing yet another expensive medical bill [won't put the cat down because unfortunately we are not blessed with the ability to have children so we've adopted the furry kind instead]
Now to top it off, I took a pay decrease at work to avoid layoff due to the poor economy so that affects my yearly income. The wife and I talk about our debts, we don't see ourselves as big spenders, if anything we spend it on fixing our old "fixer-upper" house just to get it up to a decent code in case we wanted to adopt. Other than that, things like luxuries are pretty much none.
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Bottom line, just seems like when I am finally looking like i'm crawling out of debt, and the credit card balance turns to 0, something major happens causing me to have to pay for it all with credit. I end up praying to God a lot for help along the lines of "Please don't cause me any more financial pain, please help me keep my working hours to get through this, please help get this house value up so I can re-appraise for cheaper interest rates, please let me somehow win the lottery and have enough to pay off at least 1 credit card."
For the past 3 years i've been trying to pay off debts, I've made progress, made budgets, cut luxuries (cableTV, memberships), i've even stopped using credit cards. Yet just when i felt that I started to get ahead, a life emergency comes along and undoes all my hard work.
First i planned and saved for a trip to watch my nephew graduate highschool (whom i've haven't seen in 5 years due to distance) and just 3 weeks before I would leave, the wife had to go to the emergency room due to breathing issues, thus a whopping $3,000 bill comes in and causes me to cancel my travel plans and having to place $1,500 onto credit.
Then i have a sister getting married, my mom was kind enough to pay for airline tickets to see the wedding and treated it like a big family gift (which i'm am so grateful for) yet 4 days before the trip, my cat somehow broke her leg causing yet another expensive medical bill [won't put the cat down because unfortunately we are not blessed with the ability to have children so we've adopted the furry kind instead]
Now to top it off, I took a pay decrease at work to avoid layoff due to the poor economy so that affects my yearly income. The wife and I talk about our debts, we don't see ourselves as big spenders, if anything we spend it on fixing our old "fixer-upper" house just to get it up to a decent code in case we wanted to adopt. Other than that, things like luxuries are pretty much none.
---------
Bottom line, just seems like when I am finally looking like i'm crawling out of debt, and the credit card balance turns to 0, something major happens causing me to have to pay for it all with credit. I end up praying to God a lot for help along the lines of "Please don't cause me any more financial pain, please help me keep my working hours to get through this, please help get this house value up so I can re-appraise for cheaper interest rates, please let me somehow win the lottery and have enough to pay off at least 1 credit card."