Love help: Don’t know where to turn.

Don’t know where to turn.

After an illness my financial situation went down hill, it’s my fault because I let doctors dictate everything and it cost me there. I was also stupid in keeping my lifestyle the same even without my income for 18 months.

When all was said and done we were two months past due on our mortgage and almost $20k in debt. I work for myself as a graphic designer, and wen I finally did get back to work the economy was crappy and I haven’t been able to get back on track.

So we filed chapter 13 and things just got worse. Insurance doubled, attorney made mistakes that cost me almost $1000. Then the flooding in SE Wisconsin… I had 21+ inches of water in my basement and it destroyed my furnace, washer, dryer and countless $$ in stuff including most of my kids winter clothes. Gotta love it.

About a month ago I finally got a new furnace in here… took borrowing money from friends, not paying some things and going without.

Now it’s Christmas and I have nothing. Still washing clothes at the laundrymat (can’t really afford that), no money for gifts for my 3 kids, and my mortgage is going to go up again in January (arm loan… had to do it).

I have been working my butt off just keeping our head above water. I don’t know how long I am going to be able to do it. It seems I am fighting a loosing battle.

My wife works full time in the mortgage industry, so we are worried about her not having a job soon.

I just don’t know what to do anymore.

This open post was written 11 months, 3 weeks ago | V/U/S: 177, 6, 2 | Edit Post | Leave a reply | Report Post

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Since writing this post ta may have helped people, but has not within the last 4 days. ta is a verified member, has been around for 11 months, 3 weeks and has 1 posts and 1 replies to their name.

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friends, Water, WISCONSIN, marriage, Insurance, Christmas, Money, Get Back, Love, Graphics (How Tags Affect Reciprocity)

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ta edited this post 11 months, 3 weeks ago. Read the previous text »

Don’t know where to turn. After an illness my financial situation went down hill, it’s my fault because I let doctors dictate everything and it cost me there. I was also stupid in keeping my lifestyle the same even without my income for 18 months.

When all was said and done we were two months past due on our mortgage and almost $20k in debt. I work for myself as a graphic designer, and wen I finally did get back to work the economy was crappy and I haven’t been able to get back on track.
So we filed chapter 13 and things just got worse. Insurance doubled, attorney made mistakes that cost me almost $1000. Then the flooding in SE Wisconsin… I had 21+ inches of water in my basement and it destroyed my furnace, washer, dryer and countless $$ in stuff including my kids winter clothes. Gotta love it.

About a month ago I finally got a new furnace in here… took borrowing money from friends, not paying some things and going without.

Now it’s Christmas and I have nothing. Still washing clothes at the laundrymat (can’t really afford that), no money for gifts for my 3 kids, and my mortgage is going to go up again in January (arm loan… had to do it).

I have been working my butt off just keeping our head above water. I don’t know how long I am going to be able to do it. It seems I am fighting a loosing battle.

My wife works full time in the mortgage industry, so we are worried about her not having a job soon.

I just don’t know what to do anymore.

Mayor 166 #
An Unknown Location | 11 months, 3 weeks ago (6 minutes after post)

That’s a rough spot to be in. Do you still own the house? Is it possible to do a short sale on the property and find a nice apartment? I’m sorry you don’t have money for christmas gifts but gifts aren’t anything. You have your life and health and so do they. Do something together as a family to raise spirits. Go carolling. As for your wife, try not to worry. The mortgage industry will pick back up soon. I also am in the real estate industry and I believe that things will pick up in a couple of months. The first step was the fed injecting money to the banks to unfreeze credit. The banks will start lending money again and everything will be fine. Good luck with everything and keep us updated.

ldyleeblkpear #
An Unknown Location | 11 months, 3 weeks ago (51 minutes after post)

I know what your talking about, i’m a mother of three and it seems like everything i try to do to help my children and i just seems to go up in smoke. I’m working for the dade schools and i’m sure that you have heard of all the people that are loseing thier jobs, while i’m one of the lucky ones so far i haven’t recieved a pink slip. My postion was change because the one that i was working in had been cancelled out. So i had to choose if i wanted to cut my hours or move to the office and work for olny 250.00 a week. My rent is almost a thousand dollars a month,the lights are higher, and higher each month because i can’t afford to pay the whole bill at once. Sometimes my kids have to go to bed on a empty stomach, if my mother doesn’t feed them for me. I can’t finish off college because i don’t have the money to do that and right now there aren’t much loans for schools. The reason i’m telling you all of this is to let you know that you are not alone in this world and going though the things that you are. I have a believe that we are going to over come from all this that we are going though. There is a higher power and he/she will not let us down and hear every prayer and every plea that we are calling out to him/her. Stand with your head up high believe and in the right time everything will fall in place.

This account has been deactivated.

ta 0 #
An Unknown Location | 11 months, 3 weeks ago (1 hour, 34 minutes after post)

I don’t believe things are going to come back so soon. I believe thing are going to get much worse before they begin to get better. I think we are on the road to economic collapse. Spending more money isn’t going to help, only hurt, heck its excessive credit spending that got us here and spending more isn’t going to make it better.

As for selling my home, it’s not an option. I would rather work harder, and have been in order to keep it. I just need to get lucky and earn enough to get a little ahead and get back some of what was lost.

I am working on getting a new washer and dryer now, then roof. As for Christmas, you may not think it’s important, but I don’t agree. I just want to be able to give my family a little something for Christmas.

I guess I just feel like a bit of a failure right now.

Mayor 166 #
An Unknown Location | 11 months, 3 weeks ago (3 hours, 16 minutes after post)

I strongly disagree. Spending will help the problem, the fed just needs to know where to spend the money and the money has to come with stipulations to unfreeze credit right now. That is a consensus among experts and economists on both sides of the argument. The fed isn’t forcing lenders to renegotiate mortgages which they should be doing.

As for your house, I think you should consider selling. Pride cometh before the fall. You can always work hard and be able to afford another house. I was always taught that you should never fall in love with a house or a car, because there is always one better out there.

The washer and dryer isn’t a necessity and you should reconsider your decision to buy them. Gifts are just material things and you should be happy that you have a roof over your head for now. I urge you to play your cards right and set your pride aside for now so that you can weather this storm.

You’re not a failure. This is just life. The only time when you have no issues is when you are dead. So for now, you have to deal with what is on your plate. I wish you the best of luck.

closed 53 #
An Undisclosed Location | 11 months, 3 weeks ago (8 hours, 25 minutes after post)

Contact your local WalMart. Talk to the manager or head of customer service.
WalMart stores will sponsor families who are going through hard times, so that the children will get gifts and winter clothes etc.

It takes some swallowing of pride, but once you’ve done that you can ask them.
You never know.

Good luck!

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