I am soooo stressed. I want to cry but the tears won't come. This week is vacation week and my dh is working his vacation because we can't afford him not to. I just got a call from the bank on our car and the guy got real hateful with me for being late and said the next time they could repo it. I explained that we would mail it this week. For those that read my post on having to go to court the credit card comp. wants us to pay $400 before the court date and then another $400 the next month. My dh doesn't even make $400 in a week's pay. They said they would settle on $800 total on the $1116.35. The credit card was originally $500. I feel ashamed and embarrassed. I am not going to tell my judgemental family altho I'm sure they'll have it in the paper where they show who goes to court etc. We can't get a bank loan because basically our credit is bad and we don't have anything for colleteral. I want to get a job but this town is so small if I did find one I may just make a little over $100. Don't get me wrong that would help but we do have one car and that would mean alot of juggling the car back and forth plus we have 2 boys ages 10 and 6. I feel so many emotions right now and I can't get them to just come out. I know my dh is trying his best and I'm trying to figure everything out so we can get everything lined out but it seems like an endless battle. I just needed to vent. I'm sorry if it seems I'm whining.

((Hugs)) I'm sorry you are going through this right now. Maybe you could start daycare in your home? Good childcare is always in demand.

Oh, sweetie, my heart just breaks for you. I was THERE!!! I know how it feels to just want to cry all of the time about finances, and that it seems completely hopeless.

Please, please, please go to daveramsey.com. See if there is a Financial Peace University class near you. I am not exaggerated when I tell you that the class (the information as well as the supportive people) literally changed our lives.

There is hope out there. There really is.

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

Oh Hon, I can cry for you. I was crying before I read your post, bad morning here. Is it possible to sell something? I work evenings so we don't have to worry about the car thing. Just know that you are no alone.

allgirls

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allgirls, mom to 3 girls

It's Girl Scout Cookie Time

Sending you big ((HUGS))! Maybe you need to get some credit councelling or something like that? Like the other poster said, maybe you should work in the evenings (when hubby is home with the kids) or start watching kids at your house. It couldn't hurt! So sorry you are going through this!

You may want to go down to the local Health & Welfare office to ask them if they have a one time assistance program. Even if your husband earns enough that you don't qualify for welfare, there are all sorts of grant programs out there that are designed to help you avoid serious financial problems such as the loss of your car or helping you catch up on past due utility bills. In other words, these are programs designed to keep you off of Welfare.

As for work, I work from home as a teleservices agent. You do need a high-speed connection, a second phone line and a quiet work environment to do this kind of work but it is very flexible and you don't have to commute anywhere. Yes, it really does pay and it isn't a scam. I heard from a long distance friend (she lives in FL) that your local job services agency might assist you in upgrading your computer, internet connect and phone line in order to do this kind of work. Again, it may be worth it to ask.

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"Poor people work for their money. Rich people make their money work for them."

This may sound extreme, but have you ever considered relocating to a town that does have jobs and jobs that pay better? I live in a small town too and couldn't find a job that paid very well, so I do commute 30 miles into the city and get paid about twice what I would in my small town. We do have two cars though and I know you only have one, that's why I was suggesting relocating. Is it possilbe to sell your car and buy a cheaper one? We did this last summer and it really helped, plus the car insurance was cheaper. Someone else mentioned doing daycare. I am actually quitting my job in a few weeks and opening a daycare in my home and will be making more than I am at my job.
I hope you can figure out something! Good luck!

I am so sorry to hear about your financial difficulties. Have you considered asking your local church for help? I know ours has resources set up to help families in certain kinds of financial trouble. At the very least, I'm sure your church, if not able to help you themselves, would direct you to agencies that could. You sound so overwhelmed right now, and I know it will be humbling to ask for assistance, but sometimes you just can't do it on your own.

I also know how depressing it is to have to work thru a vacation--we've been there too. The important thing to remember is that you have a roof over your head and food on the table. Vacation will come around again next year; hang in there!

Sorry to here of your financial diffculties, We all have them but it is hard when you come to the point where you can't pay your bills. I think part of it is that if that is your only income then your DH must makes twice the income and we are still struggling. I worked with alot of people who made just about that myself included and for those that didn't have a 2nd income where going to extreams to make ends meet incuding things like living with relitives or in goverment assited housing. I think the long term solution is that your family needs a higher income to make ends meet. I would look at seeing if you could borrow the money at a lower rate. I think that even if you could get something where you could pay $200 a month for 9 months it would make things a little easier to get that paid off and move on. Could you re-fi the car or get any of your other bills lowered?

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Kimberly Proud Mommy to Bethany Rose April 2006

Please don't feel like you are whining---no one here thinks that.

Do you have 2 cars? If you do can you downsize to having just one?

I hope things get better soon.