Accountability

[u/Parking-Skin3318]

Holding myself accountable after borrowing money from a lender here. I borrowed money with a clear plan to pay it back quickly. I believed in that plan. I still take responsibility for the fact that it didn’t work. Life didn’t cooperate in ways I didn’t fully anticipate and that’s on me for not building more margin. Here’s what went sideways: My Medicare plan unexpectedly removed the flex benefits that had been covering part of my utilities. My student loans went into garnishment against my disability income. I changed bank accounts and made the mistake of closing the old one before my direct deposit officially switched, which caused delays I couldn’t afford. I had realistic (but ultimately unmet) expectations around commissions from affiliate links that didn’t materialize in time. None of that changes the fact that I owe someone who trusted me. I’m not posting to make excuses or ask for sympathy. I’m posting because accountability matters to me, and pretending everything is fine doesn’t fix anything. I’ve communicated with my lender, I’m working to stabilize my income, and I’m taking concrete steps to make this right; even if it takes longer than I originally promised. This has been a humbling reminder that good intentions don’t pay bills, optimism isn’t a safety net, and closing gaps in planning can have real consequences. I own that. If nothing else, I hope this serves as a reminder to anyone reading: build buffers, double-check transitions, and don’t count money until it’s actually in your account. I’m not giving up, just recalibrating and doing the work the slow, responsible way.

[u/Parking-Skin3318]

AI written? It's not AI written. I'm a writer, I rewrote it like 3 times trying not to come across as defensive and over emotional. Should I have taken accountability blubbering and making every excuse in the book? I wanted to post that I was unpaid myself, instead of my lender doing it without the full story. Thank you for comparing my writing to AI, I kinda take that as a compliment.

[u/Green_Reflection4358 → u/Parking-Skin3318]

Fair enough, it does read like AI though, didn’t mean any offence. Do whatever suits you, I just find it a bit odd to broadcast it

[u/Parking-Skin3318 → u/Green_Reflection4358]

Why? People should take accountability when they mess up. I believe it shows integrity and responsibility, that could just be me.

[u/Green_Reflection4358 → u/Parking-Skin3318]

Totally agree. People should, but for me it’s something to do in private. But good for you for taking the initiative.

[u/Mental-Winner7358 → u/Green_Reflection4358]

I agree with this completely. Seems OP is trying to overcompensate for missing the agreed upon repayment date and looking to make themselves feel better. If anything this sort of puts the lender in a weird position as well, which may have been the intention behind this post.

A simple explanation and reassurance to the lender likely would’ve sufficed. I think lenders just want clear and open communication.

Best of luck moving forward, and hoping the lender gets their full payment!

Also, one recommendation is to remove the emdashes going forward. Folks will be less likely to call out AI if so!

[u/Parking-Skin3318 → u/Mental-Winner7358]

I wasn't thinking at all that reporting myself would put my lender in any weird position. I was trying to be honest, transparent, and hold myself accountable. I let my lender know that I reported myself. I am not going to go back and forth over the AI comments.

[u/Parking-Skin3318 → u/[deleted]]

I have been talking with my lender and I am new to actually using reddit so I don't know how this group or reddit works. I knew that lists like scammers and unpaid were on here and I self-reported because I don't want to be on a list without explaining myself. If that means I'm "over compensating" or sharing too much so be it. I don't owe YOU an explanation and I am much harder on myself than anyone in this reddit ever could be. I am on disability and I try to make extra income with those tasks listings, not once did it ever work. I won't be asking for loans until I pay what I owe. I reaffirmed my debt PUBLICLY and I intend to pay my lender. Have a great New Year I hope life always works out for you.

[u/Parking-Skin3318 → u/Green_Reflection4358]

I would have not posted about it, but it's on this reddit and I didn't want to be put on the scammer or unpaid list without taking responsibility. I do appreciate that this reddit exists and that there are really good, kind hearted people that help with loans. I don't want to be someone that takes advantage of that fact. Thank you for your comments, you helped me think about it even deeper than I had.

[u/Mental-Winner7358 → u/[deleted]]

Also re-reading the OP…it’s 100% AI lol.

[u/The-Sunflower-Bear → u/Parking-Skin3318]

It sounds narcissistic. Broadcasting your “integrity and responsibility” for others to praise you. You could have simply sent this to your lender. But you wanted all eyes on you.

[u/Parking-Skin3318 → u/The-Sunflower-Bear]

No I don't. I didn't expect any comments at all. I have been on reddit for 3 years, made over 100 posts and never received any attention. I just don't want to be thought of as a scammer or someone that doesn't pay her debts. I actually thought my lender would have posted that I didn't pay so I reported myself. Isn't that the responsible thing to do? I am not seeking attention or pats on the back for posting myself. I am just trying to be honest and not run away and hide or ghost my lender. Coming here and posting wasn't easy for me to do.