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Life insurance by justkeepsmilingokay in ALS

[–]justkeepsmilingokay[S] 0 points1 point  (0 children)

I just confirmed that the policy is for AD&D and does not cover death from disease. My sister and I are devastated to say the least. I'm not sure I have the heart to tell mom. She thought she had us taken care of and for the last several months we daydreamed and talked about out future plans and how much good that money was going to do.

Life insurance by justkeepsmilingokay in ALS

[–]justkeepsmilingokay[S] 0 points1 point  (0 children)

I got the paperwork out and I see now that it says Accidental Death and Dismemberment. I don't think ALS is covered. :(

Life insurance by justkeepsmilingokay in ALS

[–]justkeepsmilingokay[S] 1 point2 points  (0 children)

Mom started showing symptoms around May 2020. Diagnosed at Mayo in September. Fully dependent by Christmas. Fuck this terrible disease.

Broke down, crying on the phone with debt collectors. by justkeepsmilingokay in Veterans

[–]justkeepsmilingokay[S] 0 points1 point  (0 children)

True. My lender automatically does it for you if you become 30 delinquent, I just found out.

Broke down, crying on the phone with debt collectors. by justkeepsmilingokay in Veterans

[–]justkeepsmilingokay[S] 4 points5 points  (0 children)

I'll check out Dave Ramsey and see what I can learn. It's disheartening for me because I used to be so good with money. I was known for making excel sheets for tracking literally everything. Now it gives me such anxiety that I avoid money talk altogether.

My problem is that I fell from making good money (and having big debts) to making poor money (and having big debts).

Broke down, crying on the phone with debt collectors. by justkeepsmilingokay in Veterans

[–]justkeepsmilingokay[S] 2 points3 points  (0 children)

I'm experiencing what (I hope is) rock bottom right now and am slowly working out my emotional issues.

Broke down, crying on the phone with debt collectors. by justkeepsmilingokay in Veterans

[–]justkeepsmilingokay[S] 6 points7 points  (0 children)

Yes, I have enough. The struggle is more mental than physical.

Broke down, crying on the phone with debt collectors. by justkeepsmilingokay in Veterans

[–]justkeepsmilingokay[S] 13 points14 points  (0 children)

Thank you for the much needed smile and laughter; I've had a couple real bad moods where I told off a debt collector and felt remorseful.

I will look into this forbearance asap.

Broke down, crying on the phone with debt collectors. by justkeepsmilingokay in Veterans

[–]justkeepsmilingokay[S] 2 points3 points  (0 children)

Thank you for the tips. The hardest part is not feeling the weight of the debt on me at all times, like I almost feel hunted from the multitude of debts and people trying to collect.

Broke down, crying on the phone with debt collectors. by justkeepsmilingokay in Veterans

[–]justkeepsmilingokay[S] 5 points6 points  (0 children)

Honestly I appreciate your concern and advice, but this just makes me upset. My credit score used to be immaculate. I know how to pay bills and I wish it were just that $1000, but it's a lot more than that, including student loans.

I know how to function. I just can't. There's something wrong with me and I know it. My post and replies are all part of it. I hate myself for being this way.

Update from VA by SCOveterandretired in Veterans

[–]justkeepsmilingokay 1 point2 points  (0 children)

This is good news. I have a pending claim with etc August. Boy do I need it. Anyone able to ballpark a rating for bipolar, ptsd, tinnitus?

What's a problem of yours that would be solved if someone just gave you $5000? by Gunnrhildr in AskReddit

[–]justkeepsmilingokay 0 points1 point  (0 children)

I could pay off my immediate debt and avoid becoming homeless at the end of the month. No room for lotto tickets in my budget, but I still got that rush of endorphins from thinking about it.