Anonymous wrote:To the OP, Im curious if you have had these conversations with your parents? You mentioned that they worked for everything they had and did really well in life?

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

So you had 2 children and 5 jobs, who was raising your kids? When were you seeing them?

My husband and I were and are. We can coordinate schedules and you can work after they go to bed and before they get up. Does that surprise you? I called you out, got some support and now you're upset. I don't think you are wiling to make the necessary changes to get out of your financial hole. You get defensive and have a million excuses. Someone, whether a good friend or a stranger on this anonymous forum, needs to wake you up. It is the truth. You can't manage your money, you won't make the right choices, you feel justified in what you're doing, it is all your parents, your exs and the world's fault. I don't doubt you're a great mom and a good person. But you aren't genuine in your initial post.

PP here. It's frustrating because people are telling you when you have nothing and you have no family money to fall on often times there is an element of sacrifice and planning to get to the payoff maybe 10 years away. Yes, this could mean you sacrifice time with your child in the early years. No you can't work 5 jobs but you could be working during the weekends your ex has the child. You could have your ex take one day or half a day on the off weekend. I don't think we are talking about the type of changes where your child wouldn't recognize you. We also aren't talking about forever- maybe 1-2 years. There will come a time when it would be disappointing to your child if you don't make the 1pm Friday Halloween parade, every soccer game on Saturday, when he/she is a tree in the school play, and you need to be there in the evenings to help with homework. However, you are not at that stage yet.

My parents didn't have the type of money or the job flexibility for me to be involved in activities or for them to take off mid-day for class parties etc. I don't see money as the key to any sort of happiness but I recognize how not having money restricts my choices and what I can provide my children in terms of experiences and my time with them. It is also harder to take joy in the little things when you are so stressed about being behind in bills. It would have been worth the sacrifice the first few years of working more if that put me in a better position to have more time and money when they were in elementary.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I am not trying to be rude but Op is just full of excuses, she can't do this, can't do that. You are able to justify every single decision that has put you into the position in which you ask for advice but aren't truly willing to change. Couponing, and meal planning, the on,y thing you seem open to doing, aren't going to make you 7 figures. Sorry.

The difference between you and someone like me, who had nothing but now is worth 8 figures, is because I have grit, I am a tough broad, when I was 6 figures in student loan debt and 4 figures in CC debt I did everything I could to make and save money. At one time I had 5 different jobs. I drove the same car, used and paid for for over 10 years. I cut up all my credit cards. I had roommates. I ate oatmeal, generic no less, for dinner all the time. A meeting with free food at work, I was there. I didn't shop at goodwill or anywhere. Period. It took 10 years to erase all debts and get to my current worth, but I did it.

You are wasting our time asking for phony help, be honest. You don't want to change, and that's ok. But don't ask for suggestions and just shot them down, one by one by one.

Good for you! You do realize that I have a child and can't take 5 jobs? Couponing and meal planning won't make me 7 figures, I know that. Never said it would. I was responding to suggestions about managing my debt and saving money, nothing to do with making 7 figures, that's another topic. I also never said I wanted to make 7 figures, my questions were to people who have 7 figures who come from nothing and how they felt when they had nothing which is where i am right now, but thanks for your comment. I do not want to waste anymore of your time, so you do not have to respond.

I understand you have a child, I have 2. When there is a will, there's a way. Nothing wrong with showing your children hard work pays off.

So you had 2 children and 5 jobs, who was raising your kids? When were you seeing them?

My husband and I were and are. We can coordinate schedules and you can work after they go to bed and before they get up. Does that surprise you? I called you out, got some support and now you're upset. I don't think you are wiling to make the necessary changes to get out of your financial hole. You get defensive and have a million excuses. Someone, whether a good friend or a stranger on this anonymous forum, needs to wake you up. It is the truth. You can't manage your money, you won't make the right choices, you feel justified in what you're doing, it is all your parents, your exs and the world's fault. I don't doubt you're a great mom and a good person. But you aren't genuine in your initial post.

Anonymous wrote:

Anonymous wrote:

So you had 2 children and 5 jobs, who was raising your kids? When were you seeing them?

My husband and I were and are. We can coordinate schedules and you can work after they go to bed and before they get up. Does that surprise you? I called you out, got some support and now you're upset. I don't think you are wiling to make the necessary changes to get out of your financial hole. You get defensive and have a million excuses. Someone, whether a good friend or a stranger on this anonymous forum, needs to wake you up. It is the truth. You can't manage your money, you won't make the right choices, you feel justified in what you're doing, it is all your parents, your exs and the world's fault. I don't doubt you're a great mom and a good person. But you aren't genuine in your initial post.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I am not trying to be rude but Op is just full of excuses, she can't do this, can't do that. You are able to justify every single decision that has put you into the position in which you ask for advice but aren't truly willing to change. Couponing, and meal planning, the on,y thing you seem open to doing, aren't going to make you 7 figures. Sorry.

The difference between you and someone like me, who had nothing but now is worth 8 figures, is because I have grit, I am a tough broad, when I was 6 figures in student loan debt and 4 figures in CC debt I did everything I could to make and save money. At one time I had 5 different jobs. I drove the same car, used and paid for for over 10 years. I cut up all my credit cards. I had roommates. I ate oatmeal, generic no less, for dinner all the time. A meeting with free food at work, I was there. I didn't shop at goodwill or anywhere. Period. It took 10 years to erase all debts and get to my current worth, but I did it.

You are wasting our time asking for phony help, be honest. You don't want to change, and that's ok. But don't ask for suggestions and just shot them down, one by one by one.

Good for you! You do realize that I have a child and can't take 5 jobs? Couponing and meal planning won't make me 7 figures, I know that. Never said it would. I was responding to suggestions about managing my debt and saving money, nothing to do with making 7 figures, that's another topic. I also never said I wanted to make 7 figures, my questions were to people who have 7 figures who come from nothing and how they felt when they had nothing which is where i am right now, but thanks for your comment. I do not want to waste anymore of your time, so you do not have to respond.

I understand you have a child, I have 2. When there is a will, there's a way. Nothing wrong with showing your children hard work pays off.

So you had 2 children and 5 jobs, who was raising your kids? When were you seeing them?

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I am not trying to be rude but Op is just full of excuses, she can't do this, can't do that. You are able to justify every single decision that has put you into the position in which you ask for advice but aren't truly willing to change. Couponing, and meal planning, the on,y thing you seem open to doing, aren't going to make you 7 figures. Sorry.

The difference between you and someone like me, who had nothing but now is worth 8 figures, is because I have grit, I am a tough broad, when I was 6 figures in student loan debt and 4 figures in CC debt I did everything I could to make and save money. At one time I had 5 different jobs. I drove the same car, used and paid for for over 10 years. I cut up all my credit cards. I had roommates. I ate oatmeal, generic no less, for dinner all the time. A meeting with free food at work, I was there. I didn't shop at goodwill or anywhere. Period. It took 10 years to erase all debts and get to my current worth, but I did it.

You are wasting our time asking for phony help, be honest. You don't want to change, and that's ok. But don't ask for suggestions and just shot them down, one by one by one.

Good for you! You do realize that I have a child and can't take 5 jobs? Couponing and meal planning won't make me 7 figures, I know that. Never said it would. I was responding to suggestions about managing my debt and saving money, nothing to do with making 7 figures, that's another topic. I also never said I wanted to make 7 figures, my questions were to people who have 7 figures who come from nothing and how they felt when they had nothing which is where i am right now, but thanks for your comment. I do not want to waste anymore of your time, so you do not have to respond.

I understand you have a child, I have 2. When there is a will, there's a way. Nothing wrong with showing your children hard work pays off.

So you had 2 children and 5 jobs, who was raising your kids? When were you seeing them?

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I am not trying to be rude but Op is just full of excuses, she can't do this, can't do that. You are able to justify every single decision that has put you into the position in which you ask for advice but aren't truly willing to change. Couponing, and meal planning, the on,y thing you seem open to doing, aren't going to make you 7 figures. Sorry.

The difference between you and someone like me, who had nothing but now is worth 8 figures, is because I have grit, I am a tough broad, when I was 6 figures in student loan debt and 4 figures in CC debt I did everything I could to make and save money. At one time I had 5 different jobs. I drove the same car, used and paid for for over 10 years. I cut up all my credit cards. I had roommates. I ate oatmeal, generic no less, for dinner all the time. A meeting with free food at work, I was there. I didn't shop at goodwill or anywhere. Period. It took 10 years to erase all debts and get to my current worth, but I did it.

You are wasting our time asking for phony help, be honest. You don't want to change, and that's ok. But don't ask for suggestions and just shot them down, one by one by one.

Good for you! You do realize that I have a child and can't take 5 jobs? Couponing and meal planning won't make me 7 figures, I know that. Never said it would. I was responding to suggestions about managing my debt and saving money, nothing to do with making 7 figures, that's another topic. I also never said I wanted to make 7 figures, my questions were to people who have 7 figures who come from nothing and how they felt when they had nothing which is where i am right now, but thanks for your comment. I do not want to waste anymore of your time, so you do not have to respond.

I understand you have a child, I have 2. When there is a will, there's a way. Nothing wrong with showing your children hard work pays off.

Anonymous wrote:

Anonymous wrote:I am not trying to be rude but Op is just full of excuses, she can't do this, can't do that. You are able to justify every single decision that has put you into the position in which you ask for advice but aren't truly willing to change. Couponing, and meal planning, the on,y thing you seem open to doing, aren't going to make you 7 figures. Sorry.

The difference between you and someone like me, who had nothing but now is worth 8 figures, is because I have grit, I am a tough broad, when I was 6 figures in student loan debt and 4 figures in CC debt I did everything I could to make and save money. At one time I had 5 different jobs. I drove the same car, used and paid for for over 10 years. I cut up all my credit cards. I had roommates. I ate oatmeal, generic no less, for dinner all the time. A meeting with free food at work, I was there. I didn't shop at goodwill or anywhere. Period. It took 10 years to erase all debts and get to my current worth, but I did it.

You are wasting our time asking for phony help, be honest. You don't want to change, and that's ok. But don't ask for suggestions and just shot them down, one by one by one.

Good for you! You do realize that I have a child and can't take 5 jobs? Couponing and meal planning won't make me 7 figures, I know that. Never said it would. I was responding to suggestions about managing my debt and saving money, nothing to do with making 7 figures, that's another topic. I also never said I wanted to make 7 figures, my questions were to people who have 7 figures who come from nothing and how they felt when they had nothing which is where i am right now, but thanks for your comment. I do not want to waste anymore of your time, so you do not have to respond.