Quote:
Originally Posted by dredge
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I'm just a man, I'm not perfect.
I hope you guys never have to bite off more than you can swallow.
I hope you never find yourself unemployed with a $1340 a month mortgage, in a city like Detroit where NO one is hiring anything other than minimum wage and there's 2000 resumes for every position.
I hope you never find your $155k home you bought 5 years ago only worth $64k.
I hope you never find yourself without insurance, in the hospital needing a surgery.
Damn, should have had an emergency fund, why didn't I think of that?
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Without a doubt, that is a shitty place to be in and none of this is meant to say that bad shit doesn't happen. The point is that you should be able to look back at the things that you listed and say "Wow, if I would have seriously considered what I was getting into with the house and if I would have had an emergency fund in place, my life would be in a better place right now".
Obviously fiscal responsibility can't solve all problems (i.e. medical), but it could have taken a ton of stress out of your life where it is right now.
In your post on page 1 you said you bought a house you couldn't afford, you racked up credit card debt by going out to each too much and drinking in bars which you paid off with a second mortgage on the house at which point you got ill and hospitalized.
If you really look at that situation and say "somebody else did all of these bad things to me" then good for you but it's simply not true. The illness was likely unavoidable but the other things you did through a series of bad choices.
Again, it sucks, but apart from the illness, it doesn't negate the responsibility for the actions you took.