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 How can I become debt free?
I HAVE BOTH BANK AND PERSONAL BORROWINGS WHICH ARE NOW VERY HIGH AND ICAN`T REPAY WITH MY PRESENT INCOME.SO LIFE IS QUITE UNPLEASANT FOR ME NOW.ANY WAY TO ESCAPE FROM THE SITUATIONS?...


 Is 1600 a month enough to live on your own?
I know this is a silly question but i really need to move out i live in the seattle area I am going to school part time and working 2 jobs at aprox 48 hours a week and have about 500 dollars in ...


 ASAP! A woman whom I've been chatting with on line for five months want deposit money into my account.?
According to her, she has received an inheritence in which she wants to deposit into my checking account. She says that she need my bank's routing no. and my checking account no. , but there ...


 Are there any free ways to make money online that ACTUALLY WORK?
I have been searching for months trying to find some way to make money online. Help is much appreciated....


 What's the best profit you ever made on single item on Ebay?
Thousands of folks love Ebay, but how good has it been for you for selling your random stuff? Have you made good money?...


 Are Scottish Bank Notes legal tender in England?
I've been paid by mail order (no, not Ebay, lol) with a Scottish £20 note. Do I need to take it to a Bank to change it for an English one, or do I have to send it back and ask for an English ...


 Are you a spender or a saver?
I am most definitely a spender!

I love to buy new clothes and shoes!
Additional Details
www.gemma....


 Can I survive on 40,000 dollars a year?
I am graduating from college at the end of this year. For the career I will be going into the average entry level is 40,000 dollars per year. Most likely I will live in a suburb of a major city and ...


 Can I have serious answers to what I should do with 6 million pounds? about 10 million US dollars?
...


 Whats the best way to clear debts?

Additional Details
i got made redundant from the job i had and now unemployed so is hard to keep up with the payment that i once was able to pay. because of these debts they have made ...


 HAVE you ever saved a MONEY aside , What special thing you have BOUGHT with it?
Ok..Anyone of you ever saved some money for the intention of buying something special(material thing)?...


 SCAM???? Has anyone received a letter in the mail about ccfsettlement?
Today I received a mail saying that if I used my debit card/credit card overseas between 1996 and 2006, I am entitled to money from a class action suit due to transaction/conversion fees. My gut ...


 Will my parents be rich soon?
...


 How much is $2.4 million?
is it $2,400,000?...


 If I opened up a bank account and asked people to put in one pound each would they?
Just to be ...


 How could i (15 year old) earn money without mowing lawns and babysitting?
I need a job, not want i literally need a job. I wont be able to babysit because there arent any babysitters around my area an nobody's lawn to mow. Also i wont be able to do chores around the ...


 Does anyone live from paycheck to paycheck?
It seems like I make enough money but I can NEVER hold on to it!!! Help?...


 How do you avoid spending too much over Christmas?
The festive season is upon us, and for most it means overindulging, overeating and overspending!

How to you keep your cash flow under control at this time of year?

-Yahoo!7 F...


 Does money make you happy?
...


 I have written some cheques out from my account.?
Trouble is I have no funds available and am already over my limit.

What can my bank do about this, and is this technically fraud?...



Pure English
How do I punish myself for all the stupid decisions I've made in the past?
I quit from a steady job just to enter into business. It was devastating decision. For about 8 years in business I ended up with lot of debts and frustration, psychologically felt "no life". AT this age (late 40's) practically no employer would hire. Lessons learnt from business mistakes cannot be turned into success due to lack of cash to restart another business. I have been jobless for more than a year now....family need to be fed. Anyone can safe me and my family from hunger?
                     
 




TaxGuru
Rating
Sounds as if you are already punishing yourself. You don't need punishment, you need a job. Wallowing in self-pity is not going to help you with that. Make an honest assessment of your strengths and weaknesses. Look for opportunities to put your strentghs to use, and challenges that will help you build up those areas where you are not as strong.

Go out and take whatever job you can find. Then keep looking. When I was out of work a few years ago I delivered pizzas for several months. Then I got a 6 figure job offer and haven't looked back since.

Most importantly, work on your attitude. Learn to meditate and get in touch with your higher self. In that way you will learn just what marvelous possibilities are available to you both spiritually and materially. You are a precious being with unique abilities waiting to be discovered.

Forgive yourself as you would forgive any other loved one who made mistakes or errors in judgment. Forget about the past; it can't be changed. Find something you can do now to solve today's problem, and remain open to whatever possibilities may come your way.

P.S. I just saw this quotation on beliefnet --

"The greatest glory in living lies not in never falling, but in rising every time we fall."

-Ralph Waldo Emerson


Si
You've already punished yourself. You need to move on. Try working temp.; that sometimes leads to a permanent hire.


leofwine1@sbcglobal.net
Rating
You must make a list of all the bad things you've done, and one by one go and fix them... just like Earl Hickey.


Astrix*
you should keep trying you shouldn't dwell on the past but the future see if you can get jobs at mc d's the supper market or diferent places like that


Queen Nefertiti
Rating
Get out of the negative cycle! Turn everything to a positive! You've learned what NOT to do and that is a great lesson in life! Work hard on your resume to highlight all your hard work and chances you have taken in business...i'm sure you can find an employer out there that wants to hire someone who has guts like you do! Keep your chin up as positive energy attracts positve energy!!!


Schizm
Rating
you punish yourself by taking the correct path when similar situations arise...
learning from those decisions and making better choices by experiences can be your 'punishment'...

don't ever regret.


lori
Rating
U don't need to punish yourself anymore. We all make mistakes. But it doesn't mean your life is over. Employers will hire you. And if u really want another business, there r plenty of government grants to help u with the funding and resources. Good luck.. Ps believe me I know about hard times. I lost my house, my car , my job and almost my kids. But things r a little better now. And hey I'm still here..


The Stranger
look, there are services available. Start with your pastor or priest or rabbi. They know the direction to point you towards. There are also community based centers that can help.

I'll pray for you.


Chef
stay away from alcohol and learn to drive a truck, they make $$$


dolphin2253
There is no need to punish yourself. You made bad decisions. So what. Everyone has. The thing is to learn from them and move forward. There is a job out there for you. It may not be doing exactly what you want or pay as high as you'd like but it's a job. It will help you to pay your bills and feed your family. Stop feeling sorry for yourself and get out there and do something about it.


CDEVINW
You are going to end up killing yourself


iggwad â„¢
I'm going to hard here so brace yourself.
Your an entrepenuer. Get a grip.
1. Sounds to me that your going through post business depression.
A year is about right to get over it. So do it.
2. Yes it is harder to get a job post business. But as am Entrepenuer you know that you have to do the things no one else will do. And there are plenty of jobs like that out there.
3. DO something. Anything. You'll find out just how fast you get back in the groove.

Do not attack me for talking this way. Not trying to be mean. But a good friend saved my life when the same happened to me and sometimes you just need a little nudge to get going.

Good luck to you.


hedonic penchant for graffiti
every one punishes them selves just different ways


Adam C
don't concentrate on what you don't have.

consider how lucky you are to have the abilities and experiance you do.

if you don't think you're employable- noone else will


red_neck_linda
you really can't fix your past decisions but you can learn from them and hope the next time you are face with a decision you will make the right one at that time.


Elisabeth 3 queen of England
pray to the real GOD, JESUS CHRIST!!!


Scott C
We've all done stupid mistakes with money. Life is not over with at late 40's. You've got to pull yourself out of this rut and take action.

Do you attend a local church? If not, start going to a good, bible believing church.

Visit your local library and checkout some motivational books on tape. Listen/read something good every day.

The past is the past. There's nothing you can do to change it. So, focus on the future and move on.

Scott.....


sunshine_today
You are assuming no one will hire you, but have you really tried?

You did learn a lot running your own business. You also learn from your failures. Repackage yourself! Repackage those experiences and "sell" them to an employer because you know what might work and what might not based on your own trial and error. That is valuable experience that little worker bees who never ran their own business don't have.

It sounds like you have shame and depression, but you tried and it didn't work out. There is no shame in that. Do you know how many people never try at all? Most of them.


allil
Rating
start punishing yourself by promising not to do it again. a failure is not the end of life. I had been through what you are going through twice... once in 1997, the other was last year, never quits, do not drag whatever burden you have... release them and start fresh... a quiter never wins, a winner never quits..


captmhunt
Hummm.... well... self flagellation might work.! About all I can give you is my sympathy because I've been there too.


♥Saffire♥
You are the sum of your experiences. There has to be some good that came out of your life. You're alive, for one!

You've got family!!!

So, you start over. You take a job that will help you pay the bills. In the meantime, you will read up on self employment opportunities and start to build a dream "job" for yourself.

Hey, many people who have $$ are not happy. So, it's up to each person to FIND the happiness within. What's done is done! You can do it! Snap out of it!!!

AND MOST OF ALL... APPRECIATE WHAT YOU DO HAVE!

I'm sure your family would rather have you than not and I'm sure you feel the same about them.


rp_iowa
Not sure why you think you need to punish yourself - sounds as if you are already suffering the consequences of your actions. I too have had to make a few directional changes on my path in life. Sounds corny - but it is true. When life hands you lemons - make lemonade.


Maria b
Guilt about the past is useless, it won't help at all. Get a resume done and send it to every job web site there is. Tell everybody you know that you are looking for work. Send your resume to companies that you are qualified to work for, even if they are not looking for help right now. 40 is not old, I am 53 and still in college. Don't lose heart, you will get a job, you will receover from this and you will have learned from it. God Bless


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