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post #31 of 41
I hope I'm not out of line by sugguesting this, but you may want to head over to the finance board on babycenter. com: http://boards.babycenter.com/n/pfx/f...ag=bcus1294756

Post your situation and your budget (if you have one, if not, you can ask for advice on putting one in place). The women there are great at finding places for you to cut corners/cut costs, if you're willing to sacrifice.

HTH,
~Jillian
post #32 of 41
What a horrible thing to have to be going through. I'm sending you lots of good vibes!
post #33 of 41
Sending hugs and vibes your way.

I hate that so much has happened to you lately, I hope everything turns around soon!
post #34 of 41
Sending good vibes to you! I hope everything works out, if you need to vent feel free! I would be frustrated and stressed as well! Best of luck!
post #35 of 41
I'm sending good vibes to you also.

Honey, I can relate to financial devastation...when my husband's addiction issues were spiraling out of control, his behavior led to our monetary demise. It was AWFUL, and we're still trying to pick up the pieces, although it is better in many ways. Fortunately, his addiction has nothing to do with his moral character, as it's a disease, and I love him still for all of things he is and can be while sober. He's been clean for 7 months, and our finances are rocky, but much better than they were...you can improve your own situation as well, but it will take time, and a lot of focus. Perhaps even finding a second job for you both would boost your income, and help you out of your troubles.

Good luck to you, and I'm so sorry that this is happening. Things will get better, if you concentrate, and seek the help you need to make things managable.
post #36 of 41
Quote:
Originally Posted by wookie130 View Post
you can improve your own situation as well, but it will take time, and a lot of focus. Perhaps even finding a second job for you both would boost your income, and help you out of your troubles.

Good luck to you, and I'm so sorry that this is happening. Things will get better, if you concentrate, and seek the help you need to make things managable.

I had to file bankruptcy years ago due to divorce and it was absolutely horrible and I never want to do it again. I don't know if they can legally take your house and leave you without a roof over your head, you might want to talk to an attorney about that. I know they can take your car, but like I said, not your house as far as I remember, but that was many many years ago and it could've changed in all those years. Just so you know, it took awhile but I just saw my credit score and it's fantastic! In the high 700's. Not the best but the banker we talked to said it's really good in their eyes. SO I'm not complaining. I struggled and overcame that one problem and now my credit is very good.
You can over come this too, just try different things to get those bills and things paid down to a managable debt.
post #37 of 41
Just a thought for you: I know this kind of thing can hang over your head like a rusty axe, making you feel tense and depressed 24 hours a day. It can take away all your joy in life if you let it.

Don't let that happen! Think about these issues only when you're able to take some kind of action on them -- at all other times, work to banish them from your mind and just live in the present moment. Let the simple pleasures of daily life keep you smiling until these troubles pass and you can begin to build for your future again.

All good wishes to you...
post #38 of 41
I'm sorry to hear this, I am sending you best wishes and I hope all works out ok and to your benefit.
post #39 of 41
Thread Starter 
Quote:
Originally Posted by CarolPetunia View Post
Just a thought for you: I know this kind of thing can hang over your head like a rusty axe, making you feel tense and depressed 24 hours a day. It can take away all your joy in life if you let it.

Don't let that happen! Think about these issues only when you're able to take some kind of action on them -- at all other times, work to banish them from your mind and just live in the present moment. Let the simple pleasures of daily life keep you smiling until these troubles pass and you can begin to build for your future again.

All good wishes to you...

Yes, it is very depressing!! I know today I came home after being gone with a friend for the day and it was like as soon as I came home, this overwhelming depression hit me~HARD!!! And of course DH got it taken out on him, not on purpose but I was just a hag to him. On top of that its cold, cloudy and snowy and that didnt help matters any!!!
post #40 of 41
I don't know what your situation is, but here are a couple of ideas. You can try a non profit debt consolidation company for getting any credit cards paid off with much lower or no interest. They work out how much you make, how much you owe and how much you need to live on and try to work out a payment plan. Or you can call the credit card companies yourself, explain what is going on and work on lower interest rates and payments. They would rather get paid something then having you go bankrupt and they get nothing. If you have high medical bills you can work with the hospitals on a lower payment plan. If you can't make your house payments, your best bet is to try to sell it before you lose it. That way you, hopefully, can pay off the mortgage, maybe have a little money left over and keep your credit rating so you can buy another house when you get back on your feet. I hope this helps some. Good luck.
post #41 of 41
Thread Starter 
Quote:
Originally Posted by JanCat15 View Post
I don't know what your situation is, but here are a couple of ideas. You can try a non profit debt consolidation company for getting any credit cards paid off with much lower or no interest. They work out how much you make, how much you owe and how much you need to live on and try to work out a payment plan. Or you can call the credit card companies yourself, explain what is going on and work on lower interest rates and payments. They would rather get paid something then having you go bankrupt and they get nothing. If you have high medical bills you can work with the hospitals on a lower payment plan. If you can't make your house payments, your best bet is to try to sell it before you lose it. That way you, hopefully, can pay off the mortgage, maybe have a little money left over and keep your credit rating so you can buy another house when you get back on your feet. I hope this helps some. Good luck.
Yep-selling it is what we are aiming for! I am so sad, but really we just have no choice!
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