It probably comes as no surprise that I have financial issues. I’m pretty sure I’ve discussed it a time or two. Well lately I’ve been thinking about my financial situation. I’ve been seriously considering bankruptcy. If I had just got it over with 5 or 6 years ago like was recommended to me, I’d be on way to a decent credit score now. I keep putting it off though because not only is expensive, but I feel guilty about writing it all off even though a good bit of it is not entirely my fault. They say hindsight is 20/20 and if I knew then what I know now, I would have done things differently. Mainly I would have paid the extra couple bucks a month for the “if anything ever happens” insurance. When I got in my car accident 8 years ago and lost my job, it would have taken care of my payments. Instead I was SOL and it all went to crap. I’ll never catch it up. I realize that.
So, I was browsing for alternatives such as debt consolidation and I came across this site where it does a Financial IQ quiz. Let me just say my financial IQ is bad. Really bad. Ok, ok, I got an “F” an F! I’ve never got an F in anything my whole life! I learned that there are alternative solutions to bankruptcy out there. And maybe I should look into it a bit further before I give up. I feel like I’m getting too old though. LOL