shakycode

Quite the contrary. The whole homeless experience has taught me to save every penny I can in an "oh shit" or "emergency" fund. These days I'm well protected and typically have 5-6 months worth of expenses in case the bottom drops out again.

I've learned my lesson when it comes to debt loading. Now if I can't afford something, I simply don't buy it. I don't even have a car note or mortgage. Everything is paid for in cash or I simply go without.

I'm glad you enjoyed my post as much as I did writing it.

Yes, I'm doing ok now. Thanks for the kind words.

Yes, the house foreclosed after 2 missed payments. Bank of America moved quick in my instance. I could have stayed in the house but I also lost my car and my house was very far away from my haunting grounds. Logistically it wouldn't have worked. Plus there's the fact that I couldn't afford utilities (in Texas you need A/C). I have no deficiency judgement as that was all cleared up after I was forced to file Chapter 7.

No, I never believed in credit cards. I always tried to carry a low debt load, at least as much as I can.

Yes I applied for public assistance, but since that year I made a good bit of money on paper I didn't qualify for government assistance. Trust me, I couldn't even get approved for WIC or Texas Lone Star.

I'm glad I was able to share my story with everyone. In America it's very easy to lose everything (and gain it back again).

These days I save as much as possible and live a very frugal existence. That's been my mantra ever since I recovered.

Cheers!

These days I save every penny I can, drive a used car, live frugally, and try to keep the "oh shit" fund alive. I live way below my means nowadays.

I actually have no family and the one friend I could count on was a "full house". A couch would have been much nicer than a chair at Starbucks, for sure!

This was a dark time in my life. I believe everything happens for a reason. That gun jammed and changed my life.

Freelancing is really tough but it helped me eat. Forming relationships is everything! It all starts with a simple conversation.

And yes, there are humans here. We may post a lot of tech-ish stuff, but we live, breathe, and love as humans.

I'm actually at a crossroad in my career right now. Trying to jump onboard with a new company as I'm miserable where I'm at. I'm only hoping all of the paying forward I've done since then can help me find a place I really love. Have to stay positive and focused. Good things happen when you believe it. :)

Thank you for the kind words. It was a roller coaster for sure. It's amazing how many people in the world are truly good at heart. And to think I didn't even have to ask for anything, I just put myself out there and people offered help. Amazing world we live in. <3

I'm not sure if I'm the only one who went through this. But I'm an IT professional who was homeless and regained his life. Figured it would be a good read for those out there who are out of work and/or homeless.