The struggle started more that 6 months ago, but I haven't blogged in 6 months. The last time I blogged, I was working at a job that I hated. I was miserable...I would go as far to say that I was depressed. I didn't have a single friend and I had worked there almost a year. They were mean and unkind. I was underpaid and disrespected. My husband had a string of health issues from April - June-ish, so I needed a j-o-b. The health insurance is the only reason I hung on. But most days ended in tears. Along with my awful job, our business was more than struggling. We were barely making ends meet. Actually...we weren't making them meet. We were months behind on taxes. We had taken 2 loans just to pay them. We weren't making enough to carry it and we finally made the decision to close. This happened for multiple reasons. It made me sad, but we would lose everything if we didn't. This was a horrible time for my DH and me. But we made it through. I got a new job in September. Making more money with potential. My husband has a job, although for 3 months he barely made anything. This is not an exaggeration.
So here we are. We are not able to pay our credit cards. We are behind on almost every bill we have. We have no savings. My credit score has tanked by 200 points. I don't have a budget for gas or food. I don't know how to make it work.
The thoughts.... we need more money. No way around it. In theory, we make enough, but we are so far behind. I have been really depressed and having a hard time doing basic daily functions. Not cleaning my house. Not taking care of myself. Finding no joy in life. But, this weekend things changed. I cleaned my entire house. Top to bottom. I have started our taxes. And have started looking for 2nd jobs. We have items from our business that we can sell. We are gathering things for a garage sale. I washed my hair. (This is a big deal.) I am trying to see that we will make it out of this. One of our loans was from a personal friend. We are negotiating a sale of part of our land to clear the debt. Possibly clear the loan and come out with a few thousand in cash.
So we have a lot of debt right now. IRS Debt, personal loans, stupid loan from one of those crappy loan places with the outrageous interest, 2 car loans (one will be paid off in 8 months), other loan for taxes, mortgage, 5 credit cards, 1 auto card, 1 pet care (pay for the death of our dog bit by a rattlesnake), medical bills for husbands injury in April 2018. I hope that is the complete list. I still have to come to terms with the numbers. I'm trying.
So that's it. That's how I got here.
Details of the last 6 months
February 18th, 2019 at 09:38 pm
February 18th, 2019 at 11:31 pm 1550532692
February 18th, 2019 at 11:41 pm 1550533303
February 19th, 2019 at 12:13 am 1550535215
February 19th, 2019 at 01:31 am 1550539887
As far as the CCs, I wouldn’t worry about paying them until you get caught up. Make sure your mortgage, lights water and food are up to date. If you sell the lad you’ll be able to definitely jumpstart things.
I’m praying for you guys
February 19th, 2019 at 02:23 am 1550542992