Wednesday, March 21, 2007

Worst Year of My Life

Well this is going to be a downer...this has been the worst year of my life. I'm really not sure if I should even reveal this personal information and I'm a little bit nervous. But at the same time, I can't help but think it might help someone else who may feel alone and drowning in their own financial problems. There were nights I thought I would die from anxiety...but I'm here to tell you, I made it and YOU WILL MAKE IT, too!

Me and my family have experienced a total financial collapse over the past 12 months...which has involved losing our home and filing bankruptcy. Why do I tell you this? Only, perhaps, to encourage someone else out there who might be going through something the same or similar.

If one is going to play the game, one should know the rules...and beware. Last January one of our personal credit cards raised our minimum payment. Since it was over $1,000(!) we were not able to make that payment...which started the snowball rolling (down hill). Not making the full minimum payment put us over our limit...so we incurred over-the-limit fees AND late fees...which exacerbated the minimum payment, which increased the over-the-limit fees and continued the late fees. Once one gets behind like this it is nearly impossible to recover...which is what happened to us. If this weren't bad enough, our interest rate was raised to 33%! I had heard of this happening, but never really thought it would happen to me! The house of cards came falling down.

Of course, SparklePuss.com got caught in this downward spiral because the production manager (me!) was spiraling downwards! But we are happy to announce that the light at the end of the tunnel has shown on us!!!! What a relief to end the plague of usury! Though we feel embarrassed and somewhat ashamed, at the same time, we know others must also be going through this...and may need a listening ear. Feel free to email me.

Our sincere apologies to you wonderful customers who have placed orders in February & March but have yet to receive them. THANK YOU very much! Your order will be out to you very soon!

So here's to a fresh start...and improved delivery times for you!! Thank you very much for your support!!

No comments: