help.........i need some life advice. - Kayak Fishing Adventures on Big Water’s Edge

Dean Machine · 08-17-2010, 07:08 PM

Quote:

Originally Posted by 92yj

help.........i need some life advice.

Start an emergency fund after you get through this. I hope everything works out for now.

jorluivil · 08-17-2010, 10:39 PM

I was a financial situation that had me stressed like never before. I was laid off Feb 29th 2009 and didn't find a job until Sept 1st 2009. Bills started backing up, mortgage fell behind, kid in college(CSULB), car notes, utilities, creditors calling...etc. I finally decided to sell my 22' Wellcraft Center Console, sold it dirt cheap but got more than I thought I was in this economy. It was tuff but it was the right decision and it was a decision that paid off tremendously. I got all of my credit card companies to settle, got my home loan modification done, I got the money for my daughters tuition 2days before it was due or die.

Although my boat is gone I can still go out fishing spending 75% less than I used to when I used my boat. If you sell your gear your can always get something later, take a minute to think about what you want, what you need and what you can do without. I damn near cried when I saw my boat leaving my driveway knowing it wasn't coming back but 3 weeks later I'm in a better situation than I was a few months ago, zero credit card debt, mortgage paid up to date and my daughter back in school.

CurtyL · 08-19-2010, 09:16 AM

most medical providers have a cse worker who's sole job is to hook uninsured folkswith MEdicare or MediCal. Have you enquired with your docabout tha yet? Even if you don't have it a the time of the surgery, just knowing you've applied for it is enough for most providers top help ou avoid any huge out of pocket expenses.

erinoo · 08-19-2010, 02:31 PM

Doing the right thing is easy....Pay your bills, no matter if you have to sell fishing gear or not.

08-17-2010, 10:39 PM	#2
jorluivil Senior Member Join Date: Apr 2010 Posts: 6,856	I was a financial situation that had me stressed like never before. I was laid off Feb 29th 2009 and didn't find a job until Sept 1st 2009. Bills started backing up, mortgage fell behind, kid in college(CSULB), car notes, utilities, creditors calling...etc. I finally decided to sell my 22' Wellcraft Center Console, sold it dirt cheap but got more than I thought I was in this economy. It was tuff but it was the right decision and it was a decision that paid off tremendously. I got all of my credit card companies to settle, got my home loan modification done, I got the money for my daughters tuition 2days before it was due or die. Although my boat is gone I can still go out fishing spending 75% less than I used to when I used my boat. If you sell your gear your can always get something later, take a minute to think about what you want, what you need and what you can do without. I damn near cried when I saw my boat leaving my driveway knowing it wasn't coming back but 3 weeks later I'm in a better situation than I was a few months ago, zero credit card debt, mortgage paid up to date and my daughter back in school.

08-19-2010, 09:16 AM	#3
CurtyL Senior Member Join Date: May 2009 Location: wherever the college girlz r Posts: 127	most medical providers have a cse worker who's sole job is to hook uninsured folkswith MEdicare or MediCal. Have you enquired with your docabout tha yet? Even if you don't have it a the time of the surgery, just knowing you've applied for it is enough for most providers top help ou avoid any huge out of pocket expenses.

08-19-2010, 02:31 PM	#4
erinoo Senior Member Join Date: Nov 2005 Location: Carlsbad,,Halfway up the Hill Posts: 487	Doing the right thing is easy....Pay your bills, no matter if you have to sell fishing gear or not.