I never imagined getting to this point in my life and having NO BANK ACCOUNT. When they shut mine down for being overdrawn, it went to collections, and left me with no way to open a new one. For people that don't have a lot of money, banks really do "fleece" you. My overdraft tripled before they shut the account down, with daily charges for remaining overdrawn. The first money I made as a Temp had to go for food, electric...necessities and there wasn't enough to even ponder trying to cover the growing hole at the bank.
I love Internet business. With no bank account-well no payment processors. It's tough to keep going like that. All of my marketing tools that I subscribed to were instantly canceled, my memberships in MLM type companies...INSTANTLY canceled. WOW, major bummer for me.
I slowly built up some funds for paying JUST the necessities, my car and insurance. Then, what to do about my mortgage. I have owned this house for 10 years. I don't want to refi anymore, the closing costs and extras just keep increasing the principle debt. Of course...at this point who would qualify me?? It is frightening trying to hang on and keep going.
My faith and trust in the Lord has kept me going-that's the main thing. My church helped me that first month to pay my necessities so I could accumulate a little cash. A lot of the women at the church help me, too. I don't know where we would be without them. God is good...all of the time. I know he is teaching me through this experience. I wish I was a faster learner so I could maybe move up a notch, you know what I mean?
Working with mortgage companies is really an amazing experience. I'll tell you about mine next time.
