Denial is not a good place to be when you have creditors pounding on your doorstep and collection agencies calling repeatedly throughout the day. But, that is exactly where I have been for the last few months. For months I have been dodging phone calls from creditors. This is not a very easy and pleasant task to do. I have caller id so I know by looking on the screen that it is from a creditor because it is usually a 1-800 # or 1-866 #. Sometimes I answer the phone but hang it back up. I know! I know! This is not making things easier but at least for that moment I escape from having to deal with them. Over the last few weeks I have decided that I need to get my act together. I have dealt with the phones, for the most part, and have made arrangements with creditors.

I have also been letting the mail pile up because I was too chicken to deal with it. I am now opening my mail each day and trying to deal with it as best as I can.

Eventually I am going to get a list of all the creditors that I owe money to and post it on here so that I can track my progress. It is going to be a very long and tiresome journey to undertake but it is also very essential for my future financial well-being. Too often I get discouraged and just say, "what the heck" and give up. I am hoping that by posting in this blog each day and reading posts by other bloggers that I will gain encouragement to continue on this journey.