It's kinda funny. For the longest time I had dreaded the idea of not paying my credit cards (we have two, plus a small bank loan). Felt like it would be the end of the world if I didn't make my payments on time. Now, well...I haven't been able to make a payment on any debt (except the mortgage) since July. The world hasn't stopped, the sun didn't explode. We are still here, trying to sort things out, but still here none the less.
I feel awful about not being able to meet these obligations, but then at the same time, it is a relief to simplify and focus only on the necessities (housing, food, utilities, transportation) which is all we are barely able to afford any more. There is really nothing else we can do. The entire system of debt sets one up for failure. At some point, most people will fall behind either through poor planning or circumstance beyond our control (medical issue, layoff/joblessness) and then...we fall into the pit, unable to get a foot hold to climb out. We don't eat out, we don't go out unless it's to the park for a picnic, we don't spend anything that isn't completely necessary to spend.
We did keep the Netflix account, but it is the $8.99 per month plan and since we do not go out, it is pretty much our only movie entertainment other than the random $1 Redbox we (very) occasionally spring for. We have to keep the internet because we get a cheap rate with a bundle plan for phone and both of those are necessary for job hunting.
I will be getting a second job for the weekends in a few days. Tall is preparing for surgery. Not sure what the immediate future holds for us. Prayer is an hourly event now.
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