Let me share the good news first. I have landed a job working for the government as a skilled trades craftsworker in all aspects of maintenance for our fair city. I am excited to get in with these folks, because I have worked with them on special events for the past five years as a sign guy. The one thing I admire about the city crew is they don't have a down trodden attitude. I have always guessed they did not have the same stress as a private business where their boss knew every little lost screw was a little less in his pocket for his new boat fund.
I sure am a thankful to God for giving me a chance to use my dynamic skills where I can attain a retirement fund. Some of my friends know I was plotting a "prison pension plan" if I could not establish a real job with benefits. My plan was to wait until I was retirement age and try a big money crime. It had three possible outcomes, all of which fixed me for the rest of my life. The first outcome was to pull it off and have all the money I could need. The second was to be killed in the act. The third and most likely, was spending my retirement life in jail. When I looked at the structure of life in a nursing home it was similar enough to call it the same (with the added bonus of not directly costing my family any cash). The jail "rape factor" was also greatly reduced by being old and not having health insurance. At that age, my hemroids would surely hang to my knees (I just can't picture anything less attractive than that for anykind of lover).
Now for the bad news. I have had a horrible time of making ends meet for the past five years post-divorce with kids, screwed up house deals, medical setbacks, bad credit choices, bad lawyers (both working for me and the ex), and the fact that my income has been the same and everything else has drasticly increased. I kept thinking things would get better. I would just borrow a little more now and catch up when things were more fruitful. Well, the fact is that even my new job with the civil service pays about the same as I have been making, and fruitful times are not coming soon. I have tried to work a deal with the credit council. They say my debt to income is too upside down to help me. I guess all I can do is fold my hand in chapter 7 court. I keep telling the hospital and the credit card folks if they would not force me immediately, I would pay them in full. I would just have to owe them until I could, but they are agressive and want a resolution.
So I ask for any advice, good thoughts, and prayers I can get from you kind readers.
I just do not understand exactly how I screwed up. I always paid things on time until two years ago and like a train wreck all that went over a cliff. My beacon credit score was at least 780, now it is in the 400's.
I guess it is like health it takes years to grow nice solid arm bones and one second to snap them.
