When my life was simpler (one job making $60k+ a year, no house, etc.) I was debt free, had just bought a new car, traveled for work constantly, had great credit…now I own a failing business, have a house that’s probably in foreclosure, have massive credit card debt, etc. and I’ve never been this disorganized in my life.

I need for that Clean Sweep program to come in and just straighten everything out for me, or maybe travel back to 2001 when things were so good.

Regarding the accident – it did just enough damage to total the car, I’ve never had a claim before, ever, so hopefully my insurance won’t go up after this, and I didn’t even get whiplash, so I think someone up there is definitely helping me, and just in the nick of time. And the nice policeman that pulled up along side me last night (my taillight is broken) didn’t even pull me over – he just asked about the taillight and smiled when I said I was waiting for the insurance check. Thank God for no repair & report ticket! I’m going to keep praying for that lightning strike!

I, too, still have comprehensive and collision on my car, even though it’s 13 years old. I was going to cancel that, but when I look at what it covered, there were one or two things that I wanted, so I kept it, even though I could have saevd a lot of money.

The good news is I wasn’t hurt, the jerk totalled my 9-yr old Chevy Tracker (hard to get parts for it!) and thank God I never changed my insurance to PL/PD from Comprehensive so it’s fully covered and I’m expecting a check for $3700 in tomorrow’s mail, which will go a long way in saving my business, for at least another month or two. And, the car is still drivable and I get to keep it…someone was definitely trying to help me, in some weird, convoluted, round-about way. Now, if only my about-to-be-foreclosed-on house would just get struck by lightning…

It’s good to keep a positive attitude when your life is going to Hell financially, I think!