We only have one car and no extra things like boats, 4-wheelers etc. If we did we would sell them to get caught up. We went to the bank the other day just to see if we could borrow the $800 to pay off the credit card so we wouldn't have to go to court and they said we had to have collateral. The only other place that we thought about borrowing from is the place that my dh works. If we borrow $500 they'll take out $50 a week off of his paycheck and then charge us 10% interest. I really wanted to wait until my boys go to school to try and find a job. There is a daycare that may have an opening and they might let my kids come with me to work like the other daycare I worked at. It is harder that way because my kids want my undivided attention. My dh came home for lunch and I hated to unload problems on him but he did give me a big hug and you all don't realize how much you help. Thanks!

Well...you have got to keep the car paid for so your husband can get to work.

This may sound harsh, but you need to cancel some things to make do for the next few months. I see you are online...is it something you are paying for or do you get access at the library? If you are paying for internet, cancel it. Do you have a cellphone? If you do, and you are not under contract, cancel it. Do you have cable or satellite? Could you sell the car and get an inexpensive older model to tide you over until you get back on track?

Can you have a garage sale?

Can you sell your computer?

Can you cut out needless driving to save money on gas?

You need to make cuts to the bare minimums to get out of this mess. Get rid of ANYTHING that is not a necessity.

Good luck, you will get through it even though it is terrible right now.

I'm so sorry your going through a tough time right now. I would
check to see if you could get some kinda of financial help like the other
ladies suggested. I had a car wreck 3 years ago and we went through
a really tough time. I mean we were down to bare essentials. We made
the house payment and car payment. I called all our other bills like gas, electric
and such and let them know what was happening and they were really nice
about helping me work at a payment plan until things got better. And everything
that wasn't needed we cancelled. Is there maybe a movie rental place or convience store you can work for. I know I worked at a movie store and they were pretty good about working with me about my hours. And most of the time they want someone to work in
the afternoons until close which would be good if you dh works days. Big hugs your way and I hope things get better for you really soon.

Hello, I am new to this forum, but no stranger to debt.

There is a whole world of online virtual assistants out there (VA's for short). What these people do is work from home assisting business owners with their businesses. For example, a business owner may need his email managed, letters written, anything that a secretary might do, but which can be done remotely. Here is a link to an organization devoted to virtual assistants. IVAA - International Virtual Assistants Association

If you have a marketable skill, perhaps this would be something you could jump into. You don't have to go outside your house to make money.

There is also online marketing, but that may require a bit of an investment of time and money....

yeamom

Sorry to hear about your bad situation. What about doing daycare in your home? That way you wouldn't need to drive anywhere and your children could be home with you with all of their toys. You wouldn't need to uproot them and change their schedule if your kids came straight to your home.

Can you maybe get a night job or do something on the weekend to help or your husband get a 2nd temporary job?

Ever think of doing something like Avon or another Direct Selling Company to supplement your income. ( I know you can get into Avon right now for $10 and you will make 50% profit for your first 4 orders). -- Looking into it right now for me as another avenue of income-- You could set a goal of paying for one bill a month and then just go from there. All extra monies can go to outsanding debts.

Many times you can negotiate with creditors when you have the money available for them to discount the payoffs and do a settlement. Just make sure if you do that you have them do a letter of releasing your obligation and clearing your bad credit rating and note that your balance is paid.

Keep us updated on how things are going. I'll keep you in my prayers.

One thing for sure: you are NEVER whining on this board! I am so addicted to this site because of all the support and great advice. Keep us posted and hang in there!

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Can you refinance your 1st mortgage or get a second mortgage to help out? Or, have your tried to call your mortgage company and ask for a 3 month deferral? I used to work in the mortgage industry and this happened all the time. The payments would be waived for like 3 months and tacked on to the end of the loan.

Hang in there.

Well things are working out slowly. My sis called just before my dh got off of work and asked if I wanted to have a yard sale with her girls. She said that she would be working and that her girls was wanting to make some $$ she doesn't know how much I needed that. They live in town where you can expect alot of customers. We live more in the country where we don't get many. So I've been searching high and low for stuff that I can make a little money on. I've also found a few things that I can return to the store because I haven't wore them and price tags are still on them plus I found the receipt. Yea Me! :happy dance: I know it will only be close to $20 but that's better than nothing. I will more and likely put my application in at the daycare. My dh doesn't want me to watch kids in the home. I've done that before and because I'm so easy going they took advantage of me. They didn't pay when they was supposed to, took forever to get their kids and on top of that their girls had head lice. My dh can't get another job on top of the one he has. He has a very hard job to where when he comes home he is spent in every way. If he went to this job tired from another job he could literally be killed. Last summer the heat was so bad that he almost fell into a large hammer. I'm not making excuses I'm just trying to explain our situation further. What might work for some may not work for others. We do not have cell phones and our car is a 2001 so it's not the newest model. We used to drive old clunkers thinking well it's paid for and every time you turn around you'd have to put money down to get something fixed on it. I don't make the final decision in our home because I'm not the head of our home my dh is. So there maybe some things that I would cut down on but he won't. I'm not in anyway blaming him. I just read a post where someone was saying that I shouldn't have internet and sell my computer etc. My dh would say... ... ... well I couldn't say what dh would say to that but it wouldn't be nice.

The yard sale sounds like a great idea! Try to "unclutter" as much as you possibly can. Yard sales can bring in a lot of money, for one (or two!) day's work.

And you're totally right. What works for one person doesn't work for another. I think people are throwing out ideas for you. A brainstorming session, you know? Definitely pick and choose what works for your family.

I'm glad to hear that things are moving in the right direction for you. Keep it up!! I know it isn't easy, but you can do it!!!

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If you need to get in touch with me, my email is teach1107910@yahoo.com.

Well...that's a shame that your husband doesn't understand the difference between needs and wants. I am sure that kind of thinking just makes it harder on you when you are trying to get yourself out of a bad situation.

The yard sale sounds like it might be a winning idea, I hope you have lots of luck with it.