Friday, January 18, 2013

It Gets Better with Time

Last Friday, I met with a credit counselor and it was free through my credit union.  When we talked, she explained to me that credit history is a story and I told her mine.  With me having thyroid cancer, losing a house, and moving, it is a wonder why I didn't go bankrupt.  She told me that I should commend myself for not going bankrupt.  To be honest, I embarrass easily and last year was a total disgrace to who I am.  Finding out that I had thyroid cancer, having two surgeries in two weeks, and losing my first property took a toll on my character.  Through it all, I made it through.  Finding out that I was cancer free in April and losing the house months later.  Losing the house was maybe the best thing that could have happened to me.  Here I stand to tell you all that life is short and it's up to you to make it through. 

Currently, I live in my property that is left and my mortgage is only $405 a month.  I have a meeting this evening with the credit counselor and I am looking forward to it.  I have been taking account of the money that I spend.  This is a good thing.  I also sent letters to a few of my creditors to see about settlements. 

On another note, there's a property that I am going to do property management for and that is something that I have been trying to do for a long time.  It has been a slow journey, but things are moving forward.  Life is what you make it and I plan to make the most of it. 

No, I'm not perfect and I do make mistakes, but I am on this journey to enjoy my life.  Looking forward to financial freedom and doing the best in this life that I have been given. 
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