It’s interesting to notice how quickly moods shift and elation can become deflation. It’s not so much that I was specifically “elated” earlier, but one phone call from a creditor was all it took to open the door to feeling depressed again.
I’ve been observing these transitions, noticing more specifically the train of thoughts. Much like my experience a week or two ago, there seems to be a pattern to it that is rather similar. I’d like to examine it here and see what comes up. Perhaps you’ll have a perspective to share to help me see this in a different light.
Need I say more?
For the moment – and I’m grateful for my confidence that this is for the moment and not for the long-haul – I feel depressed. Before the phone call even ended, I was feeling defeated, shot down in my buoying hopefulness around expanding work possibilities (i.e., expanding income). The representative called to inform me of the status of my card – as if I didn’t know this already. Really, they are calling to inform me of their status in relation to my debt: how much longer they can work with me, how close they are to “charging off” the debt (i.e., sending it to a collection agency), and don’t I want to speak to their in-house credit counselors? (I would gladly speak to their in-house counselors if they would be willing to accept the tiny payments I can manage now until those payments grow larger.)
Today’s call revealed that the debt is still big and growing (not news) and that the charge-off date for one card is the end of this month and the charge off date for the other card is the end of next month. They don’t need a lot of money; about $238 per month would pay off both these cards within their allotted time (at zero percent interest). It’s just that I have not yet had that much extra money per month and, quite frankly, would rather have it help me get into my own place that turn it over to them. Actually, I’d rather be able to do both. I truly would like to catch up on my credit cards. It’s just that, for the moment, mundane things like food and gas and other randomly necessary expenses are a higher priority for me.
So, back to the present challenge: the depression that threatens to swamp me if I hold these feelings in…
My colorful pens, my trusty journal
What I noticed, as I got off the phone feeling increasingly depressed, is that I am feeling angry. I’m angry at them for not being willing to let me do what I can until I can do more, regardless of how long it takes. I’m angry at them for calling and shooting down my excitement over being able to make at least one, if not more, “extra” payments this month. Mostly though, I’m angry at myself for feeling powerless to change this as quickly as both of us want.
I feel like I’m lying when I tell them I have no other resources from which to draw. I have one tiny IRA. If I cashed it out, I could partially catch up one payment. I’m not willing to do that. (Duh!) I might have an income tax refund coming. I’ll know more in a week or so. But I’m not willing to hand that over either. However big or small it is, I have here-and-now needs that take precedence over past due credit card bills.
I feel angry at myself that I’m still, obviously, paralyzed enough by my fears to not have more actively done something to generate more income. It would be one thing if I was submitting applications right and left. At least I could say that I’m trying. But doing all this inner work, no matter how important, still leaves me feeling like a liar and a failure when I tell my credit card company I’m trying to expand my income. The truth is I dowant to expand my income; I even want to expand my work hours. I just feel inept and overwhelmed, still, about how to go about it more effectively.
Gathering words of encouragement
It’s all well and good to talk about small steps and the progress I’m making. I doappreciate that. Truly. It’s quite another thing to have a creditor breathing down my neck and not be able to say, “Hey, I’m going to be able to catch up my payment in x weeks (or months). Can you hang in there just a little bit longer??”
Just for tonight, or perhaps this moment, I’m feeling angry, frustrated and powerless. I feel deflated and defeated. This is why my morning reflection journaling time is so important to me, as is reading books like Al Anon’s Courage to Change and Catherine Ponder’s Open Your Mind to Receive. It’s much like pouring clear water into a class of long-dried mud. It takes time – and lots of water – to loosen the old patterns of thinking and clear the way for the new. It’s amazing just how many repetitions of certain words and concepts it takes for the encouragement to build and build until the depression or defeat doesn’t stand a chance of survival. Fortunately, I have a lot of reps of that variety ‘under my belt,’ so I know I will feel better when I start my day tomorrow.
Two wonderful verses come to mind right now. I think I’ll hold onto them this evening and use them for my reflection in the morning.
Weeping may endure for a night, but joy comes in the morning. (Ps 30:5 NKJV)
Cause me to hear Your lovingkindness in the morning, For in You do I trust; Cause me to know the way in which I should walk, For I lift up my soul to You.(Ps 143:8 NKJV)
A favorite book, my journal, a reminder
Having the Courage to Change 