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Previous Challenge Entry (Level 2 – Intermediate)
Topic: PIECE / PEACE (02/16/23)
About 7 months ago before declared bankruptcy, I was drowning in debt with a credit card and a car. For almost 2 years my husband and I were leasing a car from loan place in Quebec. I had to pay them a hundred dollars a week for 7 year old vehicle for 4 years. I also had to pay car insurance. I also had rent, hydro, and home entertainment to pay for. We also had to pay for our groceries, but we had some relief when we got groceries from the food bank. The food from that place only lasted a week.

Six months down the road, we had to pay 800 dollars for fixing a wheel bearing that was wearing out on the vehicle. We used my husbands inheritance to pay for the repairs. I felt bad because I could not pay to get it fixed out of the money I worked for. The mechanic said there were more repairs to be done in the near future, but we did not bother with paying anymore repairs on the vehicle. The vehicle was going through so much gas as well. My husbands inheritance was all used up.

Back in March of 2022, our vehicle broke down, and we did not have 75.00 to pay for the towing fee, so I asked my cousin if she could help me. Later on that day, I felt that God sent an angel to help us tow that vehicle and he did. The person who did the job for us, did not charge us anything. I was at work at that time, so my hubby met the person.

For five months when I was running low on money, I used a credit card, and I depended on it so much that I owed 3000 dollars. My husband is on disability, and most of that money he receives goes towards rent. In June of 2022, we both declared bankruptcy, and we got rid of the vehicle. I was sad and so was my husband, but I felt that it was the right thing to do. Now I have some peace of mind where I can focus on paying hydro, rent, food, and helping our daughter with groceries, and her appointments. She does not have a job yet. she goes to school full time.

I just pray that I shouldn't about worry about not being able to get by with my expenses. I just have to pay my bankruptcy counselor for another or less.
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Member Comments
Member
Date
Shann Hall-LochmannVanBennekom 
02/27/23
I can definitely relate to this piece. I remember once looking into a program that canceled all credit cards and made deals with them to pay less interest and bills would be paid off in five years. I procrastinated, soon five years had gone by and my debts could've been paid off, but instead had grown larger, so that time after researching reputable companies, I signed up. It was hard work, but the debt disappeared (as did credit cards). It took a lot of faith to follow that program, but now about ten years later, we have outstanding credit. Not all experts agree on writing rules, but all suggest to write mubers up to ten out, and some say up to a hundred. It's important that at least one topic word is the main theme of the article (in this quarter only, that both are at least mentioned). If I didn't know what topic is, I don't think I'd ever be able to guess it. I'd urge you to read some of the articles in level four. I'd also suggest you read and comment on the ones in your level. I learned so much about what worked and what I liked or didn't like by commenting on others. I remember reading about a mysterious stranger and suggested the author find something less cliché, and then I read some of my pieces and realized I had done the same thing. It was a great eye opener! You have a wonderful message that is so relevant, especially in today's world. Keep reading, commenting, and of course writing!
Barbara Culler 
02/27/23
I know the feeling! It's a scary time. I pray the issues will soon be resolved.
Jennifer Percell 
03/02/23
Oh my friend, I have been there! Even in Quebec, where we lived for four years. I agree that the topic was not clear but I did enjoy the read. It is good that you can pour your life into your writing. Writing has helped me sort out so many things! Focus now on how to help others relate and what lessons you are learning. God gives peace was clearly in your piece. Give us more of what God shows you. Keep it up!