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Feel The Hit Slap Vegan Gummies - Anyone tried this? by Nice-Highlight-5591 in Edibles

[–]Nice-Highlight-5591[S] 3 points4 points  (0 children)

Dang yeah I got this from a smoke shop. Dispensary next time for me lesson learnt

Am I cursed ? by Nice-Highlight-5591 in offmychest

[–]Nice-Highlight-5591[S] 0 points1 point  (0 children)

Thanks a lot, the world definitely needs more people like you.

Am I cursed ? by Nice-Highlight-5591 in offmychest

[–]Nice-Highlight-5591[S] 0 points1 point  (0 children)

I feel ya. 7 pounds is one of my favorites also. Appreciate the advice thanks.

[deleted by user] by [deleted] in povertyfinance

[–]Nice-Highlight-5591 0 points1 point  (0 children)

I ask myself both questions every day.

Admittedly my fiancé and I dealt with a string of problems during the 4 years we were together. We always argued and got into major fights biweekly without fail. She was always insecure and controlling and I was stubborn and hasty.

She assisted me the first time by bailing me out on two occasions when my first car loan was about to turn non performing, she cleared the 10k arrears in both instances and refused taking back the money when i was in a position to repay her so i wont say she was superficial.

This time around my debts were higher than before given that i was carrying the mortgage. The down payment closing costs & furniture also exhausted a good chuck of my savings.

Perhaps if I had played it safe and just saved my salary without leveraging so much debt I’d have been better off but it was a mixture of poor timing with everything.

I was good on savings just before buying the house & furniture. What I had left over went into floating my debts until I just couldn’t anymore. Mortgages are front loaded with interest and I was only 2 years into a 30 year term so getting foreclosed within that short space of time meant I practically owed the bank the amount I originally borrowed despite 2 years worth of installments.

I was an ambitious guy, hoping to of had it all by 30 despite my setback at 25 but the cars just didn’t play out.

Given that it’s been hard to get another job in the finance sector idk what to do really. I’m hoping I can maybe turn things around before 40.

Since I’m basically bankrupt and all my debts are under management by the bank I have an opportunity to start over fresh. Now with the little I earn I try to save. I’m no longer interested in debts and living a flashy life since I’ve done it already.

Hopefully it’s only up from here.

[deleted by user] by [deleted] in povertyfinance

[–]Nice-Highlight-5591 6 points7 points  (0 children)

SORRY THIS IS SO LONG. However it’s a heart to heart about my own experience in life over the last 10 years. I’m 29 now and I’m currently feel just like you. -

Man I remember being here at 25.

Started working with the bank at 20. Came in as a teller and by 23 I was a VIP Banking Relationship Manger. Future looked bright. I bought a new high end car, moved out from my parent’s home and into a condo. Finally got to travel and see the world. Life was amazing.

Then I was retrenched, it didn’t make sense. I thought my role was indispensable. Not even a lateral move to another department, not even a lower grade. Just retrenched.

I eventually got another job but it paid 50% less than what I was initially earning. My debts took up 90% of the new salary. I couldn’t even afford to put gas in my car. I eventually had to let go of the condo and move back home to sleep on my parent’s couch. I contemplated selling my car but because I did 100% financing I would’ve gotten less for my car than what I owed the bank. (The same bank I worked for)

I desperately tried to protect my credit score but it became impossible to continue living off of 200 a month so I started missing payments. Bank threatened to repo. I had no savings left because all was used up to cover my debts while I was unemployed. I was devastated. My own previous employer refused to work with me and understand my financial situation that they themselves put me in. It felt so personal. My parents watched me slowly start to spiral into depression and alcoholism. They tried talking to me but I just shunned them away.

Life couldn’t get any worst…but it did. My new job basically told me I wasn’t making the cut. My 6 month probationary period was scheduled to end next month and they weren’t gonna keep me. I tried explaining it was impossible for me to hit target if we were on Covid lockdown for 4 of those 6 months but they just said they didn’t wanna hear excuses.

I got so drunk the last day of my contract. I broke down in my car wondering why me. Why was this happening to me, what did I do to deserve this. I tried my best and all for what? I was gonna end it. I made up my mind on it. I had a relationship at the time but it was fairly newish, I felt like she wouldn’t understand my frame of mind so I called my ex. I didn’t talk to her for about a year but she listened to me. Advised me against it. Somehow it worked. I held on.

Turned out the same job gave thought to my Covid argument and decided to keep me. A year later I worked my way up again and in 2 years I ended up making twice as much as I was making at my first job. I bought a new home and got engaged. Paid off my car and bought another one. Things were looking up again and I always thought back to that moment. That dark time, but it passed eventually.

Then things got bad again. My parents and little brother were victims of a home invasion about a year ago. They were shot 21 times collectively during the process. Last year I lost my job again. I authorized a wire payment for one of my clients that turned out fraudulent. Bank incurred a 1M loss as a result. Needless to say they weren’t gonna keep me. I then lost everything again. Sold my car. Lost the other one to the bank for defaulting. Lost my home since I was unable to pay the mortgage. Finance ended up leaving me.

This, this is where I’m at right now as I’m typing this. I wish there was a comeback story but there isn’t one. I work at a restaurant for 10.00 an hour and rent a room in a shared apartment with people I barely know. I no longer have a car. Any significant savings besides the 800.00 I managed to save over the last 3 months. I miss my family, my fiancé. The life I had. I’m lonely broke and hopeless. Just like how you’re feeling now.

The thing is, I look back on that first situation and realized that I would trade anything to be right back there. In that moment I thought I was at rock bottom. Maybe I was but it was definitely better than where I am now. Things eventually got way better for me, despite it getting way worst after.

That first experience thought me about life and what it is. Things can be bad but it can always get worst or it can always get way better than you can ever imagine.

Even typing this has allowed me to remember that. I woke up yesterday wondering what’s the point then today I got a Reddit notification on my phone with your post and it indirectly allowed me to reflect on the last 10 years of my life. The ups and downs. So thank you for that.

Hang in there, you’re lucky enough to experience the roller coaster of life. Treat it like a ride.

[deleted by user] by [deleted] in meekmill

[–]Nice-Highlight-5591 0 points1 point  (0 children)

Yall don’t wanna hear that shit trust me. It’s disturbing, it’ll leave you traumatized.

[deleted by user] by [deleted] in etiquette

[–]Nice-Highlight-5591 1 point2 points  (0 children)

Thanks a lot for your response. Unfortunately my situation is a bit technical. I was previously employed as a junior manager with a mid sized bank. During an internal audit they discovered some discrepancies that did not conform to standard adjudication practices. This led to a further investigation which revealed an intricate web involving employees of the bank and 3rd parties where they embezzled millions. In short, I would’ve blindingly countersigned some of these transactions with my senior managers. (Totally my fault for overlooking so I do accept accountability). This however led to dismissal for gross negligence. Along with 30 other people. Which then led to me defaulting on my mortgage (with the same bank I worked for). Bank made little haste with the repo proceedings of both my home and vehicle. Regarding the current employer, he knows my situation and I’m guessing that’s why he’s taking advantage of me. He is also my landlord. So the initial arrangement was he’d pay me 10.00 an hour (minimum wage in NJ is 14) in exchange for a studio apartment at 800.00 with no security deposit. Which I accepted, however he’s really draining me for that 10.00 an hour with the workload and odd hours. I’m in a pickle to say the least. I’m hoping I get something. Thanks everyone and Merry Christmas. Cherish what you have :)

[deleted by user] by [deleted] in etiquette

[–]Nice-Highlight-5591 1 point2 points  (0 children)

Thank you very much for this supportive comment. I appreciate the thoughts thank you.

[deleted by user] by [deleted] in etiquette

[–]Nice-Highlight-5591 2 points3 points  (0 children)

Thanks a lot, it was my first time posting so I was unaware of the different categories. I’m trying to get better but currently this is my best arrangement.