Stress? share it and help ease your mind! :)

Discussion in 'The Club House' started by 94browninghunt, Jan 4, 2012.

  1. 94browninghunt

    94browninghunt New Member

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    What are you stressing about? :eek: Share it and it'll help ease your mind :)

    I couldnt get online for a while because i had a 30% of grade project :( Damn Pre-med and biology classes!
     
  2. zedpapa

    zedpapa Member Supporter

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    I'm stressed about money(probably like everyone). I had to take my wife off the checking account because she had no self control to stick to the budget. Now I'm going through debt consolidation because I can't get on top of the credit cards. You can imagine what my wife thinks of me...

    Brian
     

  3. trip286

    trip286 New Member

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    Yep, money here.
    Wife needs a better car, I need a more reliable truck, a want a new gun, thinking about taking an internship in Alaska this summer, but I'll lose income if I do, and I don't have a regular job to begin with!

    I keep expecting any day for her car to break down and just never run again, we just got our bankruptcy discharge in the mail yesterday (which means that's done with, thank God) so my credit is shot for right now, and I will have a hard time getting financing on a car. And no, paying in full is a no go, unless I can find something that's worth it, which I can't right now, everyone thinks they're a car dealer and asking premiums for a fuel efficient car. I saw a geo metro just a few days ago for 5k. So I'll be trying to buy new or used at a dealership and get financing. Yes, I'll pay more in the long run, but at least I won't have to worry about my wife stranded on the side of the road, and not knowing for sure if my truck will make it to her location.
     
  4. vincent

    vincent New Member

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    Hang in there Brian, Trip...:cool:
     
  5. fmj

    fmj Active Member

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    Been there, done that .......oh hell, what am i saying, I'm still there!

    Dont sweat the petty stuff and dont pet the sweaty stuff, bro!

    Dont worry about the small stuff....and in the end, its ALL small stuff!
     
  6. orangello

    orangello New Member

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    Well, i have a bunch of payroll tax clients who will be needing to send their employees some W2's pretty soon and to file their payroll tax returns for the fourth quarter of 2011, BUT i am stuck trying to figure out some new POS software to do all that. Of course, the new software is much loved by the ***** of the firm who hands all her payroll tax work off, usually to me. I just gotta get it working with my clients and ASAemeffinP!

    I sweat the stuff that could screw my clients.



    Actually, doesn't that mean that you can't declare bankruptcy again for seven years or something; i bet you can find an independent lot to sell to you. Please review the charges and rates carefully to avoid a serious reaming (Lamar avenue stealerships); large caliber buttholes belong in DC and the middle east. I would think one of the smaller lots in Southaven would go for it, but i could be way off.
     
  7. trip286

    trip286 New Member

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    They've changed the bankruptcy laws, do I don't know what all is happening there. I know the bankruptcy stays on your credit report for several (I think seven) years, but my credit score is already higher than it was before (I went from very low 500s to mid 600s) but the bankruptcy itself is a dealbreaker for many unless you have a substantial down payment.

    I'm not worried about going through that again, I've learned from my mistakes, unlike my inlaws and our government.
     
  8. fmj

    fmj Active Member

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    What i have learned about bankruptcy is you will be able to get a car loan a lot easier than myself. I have a couple friends that went the bankruptcy route and they (havent learned) are living high on the hog. Getting loans is pretty easy for them from what i gather.

    I on the other hand, when everything went to hell in 05 (housing market crashing and my business tanking...and the wifes company she had worked for straight out of college (over 15 years) closed its doors over night) and my truck got repo'd i paid the SOB off. (read: paid off a truck i no longer have) then a couple years later when things got a little more stable (she graduated and got her RN license) and i felt we could manage a car payment again, went shopping a loan for another truck. I then learned that i should have filed bankruptcy because the repo was still on my record and even tho i paid it off that didnt matter one damn bit!

    Kinda like working 60-70 -80 hours a week and making double and triple payments to pull my house out of foreclosure...then 6 months later along came the bailouts!

    Looking back i should have let the house go and filed on all of it...today, i get a MUCH nicer house for half the price!

    DAMN NOW I AM STRESSED just thinking back on that time period!!
     
  9. downsouth

    downsouth New Member

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    My third time rebuilding my life. Divorced twice and a bankruptcy in 2002. I'm so lucky to be married to a lady who can put up with my personality and ways. We will be married five years in april.

    I made just about every mistake a guy could in my life. Seems like maturity and wisdom come late to some of us, I know what wisdom I've aquired has been mostly thru consequences of mistakes and bad judgement. When things did'nt go my way I would try to change everything but my own thinking, most of the time my thinking was what needed changed.

    Self introspection is the way to a happier life for me. I have not been to any counseling nor have I studied psychology. I have searched for the cause of my personal failures and hurt in my life. Most all signs point back at me in one way or another. It is our lives, try to learn from mistakes and live today so tomorrow will be better. Above all, remember that we have a forgiving savior who loves us, and forgive yourself for your shortcomings.

    Experience is the toughest teacher,
    It gives you the consequences
    Before the lesson.
     
  10. downsouth

    downsouth New Member

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    So, after reading my prior post, I seemed to have left off the topic line.

    Stress in my life is at an all time low, at least for now. I know who I am pretty much at 51 years old. I have a decent job with a low stress factor. I will never be rich working there but we are comfortable.

    It's not about the stuff, I don't remember when I got my first big screen. For me it's more about what you do and who you do it with.
     
  11. Mosin

    Mosin Well-Known Member

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    31 years old and going back to school to get my engineering degree. 2 semesters left and my GPA is around a 3.6, but lack of money, and the uncertainty of finding the resources to financially make it through school. Car troubles, etc... Just sucks going from a merchant marine, making good money, to back in school with zero.
     
  12. Shoobee

    Shoobee New Member

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    Well, if you are a young adult in college, then you are probably stressing about exams.

    I remember those days.

    If you are not overloaded in your courses, and you study every day, then you should be prepared for your exams.

    There will still be some stress, called performance stress. But this kind of stress is good for you, and it primes you for optimum performance.

    When you finish college, you will be stressing over finding a job. Then you will enter the big game that everyone else is in, with the Great Recession looming over everyone right now, everyone trying to find a job, and everyone trying to keep their jobs.
     
  13. Shoobee

    Shoobee New Member

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    My situation is similar to yours, DownSouth, however I am beginning to stress over saving money for future retirement. Besides social security, my retirement is all funded by 401K. So that means saving as much as possible and spending as little as possible for the next 10 or 15 years.

    If this thread is a survey for a psychology class by the OP, then that is my stress level. I am hoping I can save enough money.
     
  14. Shoobee

    Shoobee New Member

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    Mosin, that is fairly common for someone in their late 20s or early 30s.

    I was that same age when I finished grad school too. It was worth it though so hang in there.

    I had to borrow money from my sister then, and she helped me out.

    Maybe you have a brother or sister who can also?
     
  15. Shoobee

    Shoobee New Member

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    That's really common too. Women simply cannot control their spending.

    My sister and I had to put our mom thru bankruptcy and take away all her credit cards.

    That cost us both a couple of thousand in legal fees.
     
  16. Shoobee

    Shoobee New Member

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    I have always been a saver, with a savings account, and also a minimalist, so I buy the least expensive of the best things that I need. Such as Jeep Cherokee Sport instead of Mercedes Benz. Or DELL computer instead of HP or IBM.

    Therefore I don't sweat money. I am concerned that my savings is at the same exact level as a year ago though. It has not been a prosperous past year. We are in the midst of a Great Recession world wide.

    I worry about retirement coming up though. That could be anywhere from 5 to 15 years away, depending on how long I am able to continue working in this terrible economy, which does not look like it will improve anytime in the coming 10 years, same as Japan's great bubble bursting sometime ago.

    I am happy though, because I get to hike in the hills and mountains and go hunting with archery and rifle. I enjoy the little things in life. I was never a part of the game of getting all you can and going into debt as deeply as you can. I live without any debt.
     
    Last edited: Jan 4, 2012
  17. downsouth

    downsouth New Member

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    Live it up!! You will never be able to out save hyper inflation. As for social security, they are about to blow another 240 billion dollar hole in it when congress gets back. Makes no sense to me. I have come to the realization that my health care in the furure will be more akin to 1960 than 2030 care. We just won't matter. DHS already classifies everyone over 70 as units." To be made comfortable in their condition"
     
  18. Shoobee

    Shoobee New Member

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    Few people realize that one of the 2 major parties is indeed trying to dismantle Medicare. I won't mention any names. I don't want to get into trouble here.

    The point being that there is a large following for the repleal of LBJ's social policies for the elderly.

    And whether that is right or wrong, I cannot tell.

    I get private medical insurance coverage for $350 per month. But that is becaues I am healthy and don't need it.

    Medicare covers really old and sick people and it is expensive. I know because my old mom uses it a lot herself.
     
  19. downsouth

    downsouth New Member

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    I truely don't trust any of them. Obama care cuts medicare by 500 billion. And there will be panels, call them what you will.

    As for the other party, blah,blah,blah. It does'nt matter, the money is going to run out. The choices will be made by the Chinese. When you borrow 40 cents out of every dollar, you are not your own master. The economics will, in the end dictate where this country goes. Won't matter which party.