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Scared to Make a Move

August 25th, 2006 at 06:24 pm

I'm a total chicken. I don't know why that is, but I'm the kind of person that when faced with an unpleasant or intimidating task, will not just buckle down and do it.

As you can probably imagine, this causes loads of trouble, in nearly every aspect of my life. It doesn't help that I'm typically a very disorganized person, so when I actually get the courage to do something, it's hard to put my hand on all the relevant material needed to take action.

There are two big areas where this has caused me problems, and they are on the verge of intersecting. One is my finances: I have to contact one creditor to see if an account can be taken out of collections. I want to know if they will settle for the original amount. If they agree, there is some work that I need to do and people to contact to set another plan in motion.

But I'm really scared. I guess it can't get worse than what it is: if they say yes -- bonus. If they say no: nothing changes, and the plan might still be able to go forward anyway. The ridiculous thing is that the debt wouldn't be in collections if I had contacted them when my life took a tailspin. But I waited, like over a year before I contacted anyone. It was stupid, and it cost me, both in damaged credit, interest fees, sleepless nights and a near-ulcer.

So looking back on the mistakes I made before, I keep telling myself just to make the call, to take the chance, but I've always been the girl on the side of the water, afraid to dip a toe in because I might get yanked underneath.

3 Responses to “Scared to Make a Move”

  1. homebody Says:

    Just do it! Today! Like you said the worst thing that could happen is they say no.

  2. LdyFaile Says:

    I've been there and am slowly moving away from that. It took a lot of coaching myself to pick up the phone just to ask for an interest rate reduction. But I did. And they lowered it. You can do it!

  3. baselle Says:

    Thats happened to me too. When I make a call like that, I try to pretend that its my job, that I'm an admin calling for my boss. It puts me in an objective, un-emotional mode.

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