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Details of the last 6 months

February 18th, 2019 at 01:38 pm

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.

5 Responses to “Details of the last 6 months”

  1. mumof2 Says:

    sounds like a crappy 6 months but now you have had a turn around and in the process of turning things around...remember you didn't go into debt overnight and you won't get out of it overnight...but you will get there...write down a list of debts, figure out what you can comfortably pay each month and call the debtors and explain the situation..hopefully they will be helpful and if they are getting money each month then they might be happy with that...if you need more money look at any jobs right now, mowing yards on weekends or dog walking etc...any bit of money helps till you get something else or you are able to get some debt down...maybe you can sell the house to pay off your debts or some of them and rent for a bit and buy again in a couple years...work together you will get there just have a plan and stick to it...if your hubby is barely makig money maybe he needs a job that pays him a wage or it looks like he is working for free...not sure why this is...good luck it seems like it is impossible but there is light at the end of the tunnel it can just be a while to get there but stick with it...each month should get better...wishing you good fortune

  2. Wink Says:

    I'm so sorry for your struggles Rose. Life can be really,really hard. But I see some positives. Congratulations on your new job! And hopefully the land sale will help. Keep blogging! There are a lot of very smart and supportive people here. Take care.

  3. crazyliblady Says:

    I'm so sorry to hear about your struggles. We have all been down that road more than once. Can I suggest first making a budget based on your current combined income? Second, look through that budget for anything that is not essential (eating out, cable tv, internet, etc.) for anything to cut. See if there are any services you can negotiate down, like maybe cell phone if your plan is getting ready to renew. After freeing up some money, you can figure out what "extra" money you can put on debts. Now, make a list of your debts, some say in order smallest to largest in amount. Others say smallest to largest in interest. I personally like smallest to largest in amount. Make payments on all the debts with any "extra" going to the one you are concentrating on. This process can make a significant difference, but it requires you and your husband working together. Good luck to you. Post about your progress. It helps you to focus on the good things.

  4. Amber Says:

    Hang in there, you guys will get through. I’m so glad you were able to find a job you like.
    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

  5. creditcardfree Says:

    Are you current on your house/rent payment? Utilities? Do you have money to buy groceries and put gas in your vehicles or transport yourself to work? Those are the four basic walls you must take care of first according to Dave Ramsey. Take care of your basic needs first. I've been watching Living On A Dime on YouTube...they have some great advice from experience of living on very low income, paying off debt and being disabled!

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