Being poor in America is an interesting experience. Did you know you can't file bankruptcy unless you have money? And if you don't file bankruptcy you can have your wages garnished. And if you have your wages garnished you don't have enough money to pay rent. And if you don't have enough money to pay rent you get kicked out of your place.
I have said for a long time that if there is a stupid decision to make regarding money, ask me what I choose to do and you'll know what it is. Four years ago, three years ago, two and even one year ago we had the money to file bankruptcy. But we didn't. I was of the mind that we should keep trying to pay down the bills. Be honorable. You know. But the plan failed and we ran out of money and now we don't have the money to pay our bills. Unfortunately, the banks don't give a rat's ass. Acknowledging that we never missed payments on anything for thirty years they conclude that because we have now we have suddenly decided to be dishonest.
So, what we SHOULD have done was take the money we used to pay down loans which ultimate never got paid off, and filed bankruptcy so we wouldn't have to pay off the loans and wouldn't have to worry about garnishment.
The trouble with us is that we always believe better times are coming. Even now. But we keep losing.
Remember the dead car battery? It won't hold a charge anymore. That's another $100. Only this time we don't have it. So the little car is just going to have to sit and wait for better times.
Better times are coming. Some are already experiencing them. The rest of us just have to wait a little longer. Just a little longer and everything will be all right.
It will.
No comments:
Post a Comment