Straight up I'm going to tell you I'm bitter. But I'm okay with that... I'm debating what to do. My neighbor has been telling me her "woe is me" financial stories and I've about had enough. They are well-to-do, both work, kids always have the latest stuff, brand new pool, gym memberships etc etc yet she maxed out all her credit cards and was on the cusp of financial ruin. She stopped paying her credit cards for nearly a year and now all these companies are settling with her. So now I get to hear how "This card is letting me settle for x amount which is $8,000 less than what I really owe them!" Great, but what about those of us who do not play this game and pays what is due? My household is a one income family. We cannot afford to have a gym membership, or premium cable, or fancy-pants phones but we pay our bills. How is this fair to us? Maybe I should stop paying the cards and get a sweet deal. I'm bitter, but how can I not be? Why do the misfits get special treatment and special deals while we (who make half the amount they bring in for yearly income) are stuck paying for everything the honest way because of our pride? Do I say "Hey I'm happy you're climbing out of your (self-inflicted) debt, but I don't want to hear it anymore?" (or some nicer variation)? Or do I just continue to silently seethe? To make matters worse, I watch her kid for free every day and get her on the bus in the morning and off the bus in the afternoon. And her daughter is always nonchalantly saying something that hurts my daughter. The latest was she is taking horse back riding lessons. My daughter did for a short while but it was just too costly. Oh and they are going to the American Girl store in Boston in two weeks. My daughter wanted to go there for her birthday a few months ago but I explained it was too far and too expensive so we did something else fun nearby. And even a little more worse: the house she lives in is an addition built onto her grandmother's house (so grandma lived there first). They built it so they could take care of her. Who's still the one taking her to doctor's appointments, grocery shopping, the bank, etc? ME. Just as much as before they built this addition. But "I'm such a great granddaughter because I take care of my grandma" ARGH What do I do?