Does anybody else want to ctb because of bills?

[Emily123]

Excuse me ? It's not a valid reason ?!

I'm going to go out on a limb here and suggest that you have no business telling anyone that how they feel is not valid.

Unless you have lived with the constant, daily, overwhelming stress and anxiety of not being able to pay your bills and of just barely scraping by ... then how dare you judge.

You can just stop paying bills . What is really going to happen? You will lose whatever you collected or in the worst case scenario , you will got to jail . None of them are really important . If there was an option for me to pay whatever that I have and just get back to the time that I was 15 years old and I was healthy , I would accepted that . Money is never that much important that you want to die for it

 

[Lotus1818]

You can just stop paying bills . What is really going to happen? You will lose whatever you collected or in the worst case scenario , you will got to jail . None of them are really important . If there was an option for me to pay whatever that I have and just get back to the time that I was 15 years old and I was healthy , I would accepted that . Money is never that much important that you want to die for it

What are you talking about man. If you have debt you are stuck to in life. It's hard to escape such a situation.

 

[youonlydieonce]

Yes, it's one of the reasons.

 

[Farmmaa]

You can just stop paying bills . What is really going to happen? You will lose whatever you collected or in the worst case scenario , you will got to jail . None of them are really important . If there was an option for me to pay whatever that I have and just get back to the time that I was 15 years old and I was healthy , I would accepted that . Money is never that much important that you want to die for it

What a naïve and ignorant response.
Just stop paying bills, no big deal, what's the worst that can happen?
Let's see, for those of us who have to actually adult in order to survive, it means constant harassment from bill collectors, no heat, no power, no roof over your head. Losing your vehicle would also mean losing your job. Having to choose between meds or food. Being completely isolated because you can't afford to even go to lunch with friends or travel 8 hours to see your kids.
It is a downward spiral that you can't dig yourself out of. You can not survive without money.
It is also one of the leading reasons for suicide around the world.

 

[Oppenheimer]

Although this is just a factor, not my main reason, I'm not doing it because of debt I'm doing it because wasting 40 hours a week with only 2 days off isn't worth it anymore.

That´s my reason as well. Can´t see living the rest of my life in a stressfull job,

 

[GoingSoonish]

I don't have financial security and it's one of my reasons.

 

[samsrt96]

The thing that makes me feel most guilty about my plan to CTB, is how lucky people perceive me to be. After some rough years in my early life which I don't remember much of, my mum met my stepdad who is director at a big manufacturing/science company. Since then we moved into a massive house (by UK standards), regularly go on amazing holidays eg. Disney, New York, I've never had to worry about finances. I'm in my final year of university, on course for at least a 2.1 degree in psychology.

And what makes me feel so guilty is I know how many people would love to live my life, and make the most of it. Yet here I am, depressed for the past 3-4 years, and ready to CTB next year. I'd swap everything I have for just an ounce of happiness, but honestly I can't even remember what happiness feels like

 

[Squiddy]

No I luckily have enough money to live comfortably. But if it interests you. It doesn't make me happy. I still feel lost and empty. @Squiddy if you had loads of money would you still want to ctb?

Yes I would still want to because of my mental illness and the fact that I feel incompetent

 

[Emily123]

What are you talking about man. If you have debt you are stuck to in life. It's hard to escape such a situation.

I am a lady . Don't ever call me man again .

What a naïve and ignorant response.
Just stop paying bills, no big deal, what's the worst that can happen?
Let's see, for those of us who have to actually adult in order to survive, it means constant harassment from bill collectors, no heat, no power, no roof over your head. Losing your vehicle would also mean losing your job. Having to choose between meds or food. Being completely isolated because you can't afford to even go to lunch with friends or travel 8 hours to see your kids.
It is a downward spiral that you can't dig yourself out of. You can not survive without money.
It is also one of the leading reasons for suicide around the world.

We are looking at world from different angles . Let me explain it for you . Paying bills is not the primary concern for because it has never been difficult to pay bills . I can always find a job and as long as I have a job , I pay bills without any comcern. Of course there can be some difficult times in anybody's life . As long as you rely on you abilities and you are a capable person you can overcome any problem . I had a surgery a few months ago and I was almost blind after the surgey and I couldn't work . Paying bill was no conern for me because I had saving , I could sell my house anytime and rent a house . I could get help from governement for temporary or permanet disability . I was fired from my job a few months ago . there was no concern . I could find another job . in the wort case scenario I could go to another city or another country .
If paying bills is the main concern in your life , there is something wrong . it sshould not really like this

 

[fastFWD]

Emily123 perhaps your intentions are good and what you are saying is getting lost in translation, but it is pretty bold to just dismiss another person's reason for wanting to ctb based on your own angle/abilities/experiences.
It is often difficult to understand someone else's point of view unless you have experienced exactly what they are going through/have gone through.
It is nice that you are able to pay your bills and that you have options for paying your bills if you get injured or lose your job, but the options that you have are not always available to everyone else.
Some problems are more difficult to overcome than you may think, especially when you have additional hurdles to deal with along the way.
For example, in (most of) the United States, just having a bad credit score/history alone can severely limit/prevent you from getting a bank account, car, place to live or even a job. It can be an awful reality to have to endure...
All I'm saying is just try to be a little more empathetic <3

 

[Emily123]

Emily123 perhaps your intentions are good and what you are saying is getting lost in translation, but it is pretty bold to just dismiss another person's reason for wanting to ctb based on your own angle/abilities/experiences.
It is often difficult to understand someone else's point of view unless you have experienced exactly what they are going through/have gone through.
It is nice that you are able to pay your bills and that you have options for paying your bills if you get injured or lose your job, but the options that you have are not always available to everyone else.
Some problems are more difficult to overcome than you may think, especially when you have additional hurdles to deal with along the way.
For example, in (most of) the United States, just having a bad credit score/history alone can severely limit/prevent you from getting a bank account, car, place to live or even a job. It can be an awful reality to have to endure...
All I'm saying is just try to be a little more empathetic <3

There is a same situation in Australia . I am really sorry that governements keeps us as slaves by these games (bills , credit and ... ) . I know that there will consequences when we don't play their games but I wished , there was a better solution . I hope , you find a better method to protect yourself from this stressful life that they built for us

 

[Passingmeby]

That's my reason too, at least partially. Then...a lot of shame associated with going, in a short timespan, from fairly successful and comfortable to deadbeat broke. In my case, what prevents me from changing the situation is my social anxiety... And I choose passing over having to tell my landlord that I won't be able to pay the rent this month (and obvsl lots of other bills).
That's my reason too, at least partially. Then...a lot of shame associated with going, in a short timespan, from fairly successful and comfortable to deadbeat broke. In my case, what prevents me from changing the situation is my social anxiety... And I choose passing over having to tell my landlord that I won't be able to pay the rent this month (and obvsl lots of other bills).
That's my reason too, at least partially. Then...a lot of shame associated with going, in a short timespan, from fairly successful and comfortable to deadbeat broke. In my case, what prevents me from changing the situation is my social anxiety... And I choose passing over having to tell my landlord that I won't be able to pay the rent this month (and obvsl lots of other bills).

 

[Return2Dust]

I'm really stressed out over a huge tuition bill for my daughter. I talked her into going to a particular school thinking we had funding. The funding fell through, so she has to take out loans. She had a scholarship at one school and I convinced her to turn it down. My medical bills are piling up, so I can't help her with the loans. I feel so bad. Hoping when I ctb, family will step in and help her.

 

[Farmmaa]

That's my reason too, at least partially. Then...a lot of shame associated with going, in a short timespan, from fairly successful and comfortable to deadbeat broke. In my case, what prevents me from changing the situation is my social anxiety... And I choose passing over having to tell my landlord that I won't be able to pay the rent this month (and obvsl lots of other bills).

I've basically been broke for 10 years, despite working my arse off constantly. The cost of living in my area is just too overwhelming for one salary to cover. I don't have work in the winter, so I'm in the same boat right now.... $200 left on my overdraft to last for 2 weeks with car payment, insurance and rent due before them.
I'm screwed right now.

 

[Squiddy]

I'm really stressed out over a huge tuition bill for my daughter. I talked her into going to a particular school thinking we had funding. The funding fell through, so she has to take out loans. She had a scholarship at one school and I convinced her to turn it down. My medical bills are piling up, so I can't help her with the loans. I feel so bad. Hoping when I ctb, family will step in and help her.

My medical bills are also piling up. I just found another bill for $8k

 

[edward77]

yes this is my main reason. i am in huge debt for the last 3 years. tried many things including selling one of my kidney, but failed. Hoped that one day or the other i will be out of my debts and can enjoy a normal life. but things just went from bad to worse. The problem with those who have debts is that it just keeps on adding.

 

[Farmmaa]

yes this is my main reason. i am in huge debt for the last 3 years. tried many things including selling one of my kidney, but failed. Hoped that one day or the other i will be out of my debts and can enjoy a normal life. but things just went from bad to worse. The problem with those who have debts is that it just keeps on adding.

That's the thing... I've been keeping on top of things and making minimum payments just to keep from getting too far behind.
It's meant that I have zero left over after every cheque, but at least things were paid. But with me being off work right now, I can't make those payments and then bam... you're completely screwed and it's impossible to catch back up again.

 

[fastFWD]

Just wanted to add something here in case anyone is ever sued by a debt collector (credit card) as this happened to me earlier this year. They were trying to get a summary judgement against me so they could garnish my wages.

A stall tactic I used for court was to invoke the "arbitration" clause of the credit card agreement. I managed to get the case dismissed (temporarily) pending arbitration which bought me another 6 months before they came after me again.

My sympathies to anyone who is struggling with this kind of trouble though. I wish you the best moving forward...

 

[Last Caress]

Partially. It's because of the bills I'm going to have in the future and atm I am jobless

 

[BPD Barbie]

I am a lady . Don't ever call me man again .

We are looking at world from different angles . Let me explain it for you . Paying bills is not the primary concern for because it has never been difficult to pay bills . I can always find a job and as long as I have a job , I pay bills without any comcern. Of course there can be some difficult times in anybody's life . As long as you rely on you abilities and you are a capable person you can overcome any problem . I had a surgery a few months ago and I was almost blind after the surgey and I couldn't work . Paying bill was no conern for me because I had saving , I could sell my house anytime and rent a house . I could get help from governement for temporary or permanet disability . I was fired from my job a few months ago . there was no concern . I could find another job . in the wort case scenario I could go to another city or another country .
If paying bills is the main concern in your life , there is something wrong . it sshould not really like this

All I can say is that it must be nice, and leave it there. If you've never experienced financial difficulties, work difficulties, difficulties claiming from the government etc then it's incredibly hard to understand why someone would want to ctb over money. But I dunno if it's just the wording, but this post is very condescending and dismissive of people's troubles and struggles. Not everyone is as lucky.

 

[Final Escape]

Yep. I'm currently on disability and living off of food stamps. $500 is a month is not enough to live on... The waiting list for housing is also so long that I'm stuck here living in an abusive / toxic environment. This life isn't sustainable.

This is the problem when u are not well off enough. You're forced into often very crappy living situations that further put u at risk of things like homelessness and abusive people. It's sad that u have to have enough money just so u can pay for the privilege of avoiding abusive living situations. It's like ure gonna get abused for being too poor wether that's by the government when they put u in jail, homelessness on the street so then ure vulnerable to dangerous people, or u get to be abused in a roommate situation. I can't believe we have a system this sadistic that worsens life conditions for the most vulnerable people.

 

[Jean4]

Yep. I'm currently on disability and living off of food stamps. $500 is a month is not enough to live on... The waiting list for housing is also so long that I'm stuck here living in an abusive / toxic environment. This life isn't sustainable.

Been there Moon. Took me 3 years and a lawyer to get disability and Medicare. Now with Medicare, I can't afford my medication. I feel for you..

 

[Moonicide]

This is the problem when u are not well off enough. You're forced into often very crappy living situations that further put u at risk of things like homelessness and abusive people. It's sad that u have to have enough money just so u can pay for the privilege of avoiding abusive living situations. It's like ure gonna get abused for being too poor wether that's by the government when they put u in jail, homelessness on the street so then ure vulnerable to dangerous people, or u get to be abused in a roommate situation. I can't believe we have a system this sadistic that worsens life conditions for the most vulnerable people.

Absolutely. It is absolutely awful and infuriating that we have to live like dogs, how we even have to fight for our rights as well as fight for their approval of our disabilities. And approval can take so long. Even when it's all on paper, they can still deny you over one little thing... You suffer even more while trying to seek some sort of relief. I thought getting on disability meant more doors and opportunities would open for me to escape my abusive situation, but it's pretty much be homeless and go into a shelter, or apply to low income housing that has a huge waiting list... I even called a safe house for women and they said they could only keep me there for a month and if there is no opening's then I'd be back on the street. I'd rather be dead.

 

[Emily123]

All I can say is that it must be nice, and leave it there. If you've never experienced financial difficulties, work difficulties, difficulties claiming from the government etc then it's incredibly hard to understand why someone would want to ctb over money. But I dunno if it's just the wording, but this post is very condescending and dismissive of people's troubles and struggles. Not everyone is as lucky.

I have experienced all these difficultis . I am more vulnerable more than most of the people in this thread because I am a transgender and I am always dealing with discrimination . If others lose their job because of the financail difficulties , I lost my job bcause of my appearance. believe it or not I was looking for a job as sex worker when I was fired from my previous job with a fake case(I was very close to be homeless and not having food to eat . I am a senior engineer and a very talented one . This is what dicrimination does to us ) . My point is money and financial difficulty is not something that I want to kill myself for it . It is a challenge for most of the people in the world and many people can overcome this difficulties) . I was happier if I had to sleep in the street and I was not in a wrong body .

 

[Farmmaa]

I have experienced all these difficultis . I am more vulnerable more than most of the people in this thread because I am a transgender and I am always dealing with discrimination . If others lose their job because of the financail difficulties , I lost my job bcause of my appearance. believe it or not I was looking for a job as sex worker when I was fired from my previous job with a fake case(I was very close to be homeless and not having food to eat . I am a senior engineer and a very talented one . This is what dicrimination does to us ) . My point is money and financial difficulty is not something that I want to kill myself for it . It is a challenge for most of the people in the world and many people can overcome this difficulties) . I was happier if I had to sleep in the street and I was not in a wrong body .

Once again, you are judging and diminishing other people's problems and pain.

We get it already - you don't consider financial problems to be a reason.
That's you.
That's not anyone else.

It doesn't matter WHY people may lose a job. it doesn't matter what color, sexual orientation or religion anyone is.
Everyone's situation is unique to them and it is not your place to judge.

Anyone who claims to face discrimination daily should be well aware of this and more tolerant and understanding towards others.

 

[xXSarac3nSlay3rXx]

I just want to say fuck the American health system. Our taxes should go towards shit that benefits the common man. People shouldn't be in dire straits due to hospital bills . . .

 

[Mizzmini45]

Yes. Wound up in a psych ward due to student loans. Now credit cards because wanting to alleviate depression made me reckless. These days I'm more ambivalent about it.

Some student loans can be deferred or forbearance . Some
Credit cards if you stop paying they will take down your credit but after a certain period of time they will disappear off your credit report

 

[Squiddy]

I just want to say fuck the American health system. Our taxes should go towards shit that benefits the common man. People shouldn't be in dire straits due to hospital bills . . .

Agreed

 

[ARW3N]

I read how an elderly American couple couldn't afford to pay for their healthcare. The husband shot his wife and then himself. I've heard how healthcare in America is a nightmare because you have to pay for every cent of it. And they say life is good? That's a joke!

 

[Mizzmini45]

I read how an elderly American couple couldn't afford to pay for their healthcare. The husband shot his wife and then himself. I've heard how healthcare in America is a nightmare because you have to pay for every cent of it. And they say life is good? That's a joke!

I read that to but I plan to be way gone before I'm elderly. It's sad they suffered though their whole life for it to end in such a tragic way.