I’m 70 years old. I had a beautiful townhouse that I loved. Because of my failure to not spend money I’m an emotional spender I lost my townhouse because I couldn’t afford the taxes anymore. The house was paid for. But I have credit card debt over 40 thousand dollars. My mom trusted me to save the family home and I didn’t. I failed the one person I didn’t want to hurt. I’m having a hard time forgiving myself. I can’t afford to do anything because I have very little money. I don’t know how to forgive myself. Thanks for listening.