Getting financially healthy - credit card debts
I have been in denial about my financial situation. All I know is that Iīm over my head and I need to talk to the bank manager before the end of this month, because I have huge credit card debts.
I cannot sleep and when I sleep, I dream of my credit cards. I have been paying one card off with another, and then another and now Iīve stopped. I got an appointment with a therapist and called a financial adviser who promised to fit me in around the 20th.
Iīm so stressed Iīve started to eat at night, but Iīm trying to eat healthy snack instead and I go to the gym.
I finally took my bank statement out in order to write down my debts: 1. Mortgage, 2. Bank loans 3. Credit card debts.
Now I need to find out ways to deal with the bank. I donīt know what to say to bank manager. How can I tell him I overspent like mad - knowing I had no business doing that? That Iīm in treatment because of it? Heīs never going to trust me. Is there any way of telling him in a different way?
One company I work with has cancelled one of my project and I just found out before this week-end. The problem is I cannot talk about this with my friends who are all considerably well off.
I recently met a man who is interested in me, but maybe more interested in showing off all his money. We had a date in town and he insisted we meet near this expensive car shop. He showed me a car he was about to buy - "just like this" he said and snapped his fingers. Next to the car shop was another shop where he had recently bought all his silver cutlery and china. I felt really bad about the date and excused me with a headache to go home early. Iīm not sure I want to see him while Iīm going through such a rough time financially plus I dislike this show of money.
Violet