Reality Sucks! – As crass as it sounds there is no other way to put it.
The problem with Reality is that it doesn’t just gently tap you on the shoulder and say, (in a kind, British accent.) “Pardon me, sir. You don’t have the proper funds to cover those last several purchases you made. You may want to stop and look at your bank account when you have a moment.” No way! Reality is a Louisville Slugger upside the cranium in the form of your check being shorted 50 bucks. You didn’t know it was 50 light because you have automatic deposit and your money is always there. Three days later you begin to receive several notices from your bank that your account is overdrawn and the $3.50 Diet Coke and Cinnamelt that you bought at McDonalds is now costing you $33.50 – mmmmm. I’m lovin’ it!!!
Of course it doesn’t stop there – reality never stops there. It just keeps pounding. One of the bounced checks was your mortgage payment. You are on a work-out program to keep you from Foreclosure and a little voice plays back in your mind, “Mr. Sullivan, if you are late on your mortgage one more time we are going to require the full balance of the late payments.” The problem is that each one of those “friendly” reminders from your bank cost you $30.00. You have 10 of them! You look ahead and hope fades quickly…there is no more money. You are already doing all you can. You look for the nearest corner to crawl into the fetal position and rock your troubles away. This, my friends, is painful, beautiful reality.
So how do you avoid this scenario? How do you get out of the constant robbing Peter to pay Paul? In our case there was no Peter. There was just Paul glaring at us! We looked at all the options and none of them were pleasant. Does this sound familiar? Over the next few posts I will discuss how we got into trouble and ultimately how we and you can get out.
Filed under: My Story
