Back On Track

My name is Zach. As a human being, I have made mistakes - even though I have excelled in many other areas. This is the story of how I made a mistake, recognized that mistake, and am actively solving it. Sometimes people can look at someone in debt and judge them harshly, but it can easily happen. Debt can sneak up on you. I am willing to drink a cup of humility and recognize my once blurred perception that money would always be there.

For every $20 donation I can give you a signed book once I am able to order them. Contact [email redacted] after donating. 

Before the rescue was started - I made a few poor financial decisions such as racking up debt on a credit card to save a cat from a shelter about 30 miles north that had septicemia because they did not have the resources. Did not think twice about the money part of it: save the cat is all I thought. I was almost too charitable. I donated good portions of the paycheck to helping out since many of the medical cases were expensive to treat and thought the money would cycle back in. I don’t regret those decisions, but I am feeling the financial burden.

I am running a fundraiser given the cascade of events that have unfolded for me while trying to get my life back on track and become more conscientious with money. I have learned to better manage money since then - the problem is that I don’t take home pay from the cat rescue since it is on a shoe-string budget. Before I was started on correct medications for major depression and borderline personality which I talk about in my book, I made decisions like that based on the rapid emotional changes from hour to hour or day to day. Going from feeling like you are the lowest you can go to feeling like you can take on the world can be dangerous because then you may make purchases that you regret later.

Making sure the cats get what they need make it nearly impossible to get a full time job right now - and makes getting a part time job stressful, but I am working on doing that anyway and writing to make money. And now the rescue can pay me some while I work on passive income methods - but in the short term I need a solution. I was at the rescue upwards of 60-100 hours a week but have decreased that to make time for myself. The hours conflict with many other potential jobs so that isn't even an option right now. Yes - I could go to a bigger city and make enough money to be better grounded, but I refuse to do so at this point due to the need in Hannibal for the cats.

Three years of no pay because I do not want to drain the rescue of the valuable resources it has which are small, and an inability to pay that debt as a result has resulted in large interest amounts, and an increase in the total debt. Rather than  filing a case against me which would cause problems - they would like to settle for a less. My writing is picking up, but not fast enough to take care of the problem. I believe if I can get through this then it can help tremendously while I am working at the rescue. I earned some money that went toward publishing my book - but I had to do that to be finally feel free, and to help others that have autism or major depression disorder. Getting my story out there helped me to recover.

Make no mistake about it - I am a very honest person and will tell you that this was completely my fault. Too charitable sometimes for my own good, also sometimes too wanting to chase the next thing. I hate that I have gotten myself in a situation of debt - but I have grown in many ways as a human being. I have budgeted food plans for the next 6 months, got a medication that finally works, and I am working out a detailed plan for ensuring that I have a budget that is modest and does not take on too much. Most of it was veterinary debt for cats just like the one described. At the end of the day I will do as I always have done: persevere and do whatever I need to do to get past this roadblock and formulate a solution.

Whatever it takes to fix the problem is exactly what is going to be done. I recognize that because it is my problem to fix - and any donations or help I get is purely voluntary and I appreciate it. People that know me know that I give back in experience, stories, advice and writing - and I even want to do motivational speaking. Because I feel like each experience in life can be used to help someone else in similar situations is very much appreciated.
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