... I can put up with this. I hate to sound all dramatic and stuff, but I'm seriously starting to get at the end of my rope about our financial situation. We've been working hard to pay it off, yet we still owe SO MUCH that I just picture myself being 40 and having nothing because I'm still paying off debt, debt, debt. I really hate it and I've become very bitter and cranky about the whole thing. I realize it's all our fault, and although I TRY not to dwell on our STUPID we were, I still do.
I'm sick of having no money for anything and feeling like we have nothing. For example, our foster dog was left alone for 2.5 seconds and managed to tear up some towels that were in the laundry basket that was on the floor. Now we only have TWO bath towels left and no $$$ to go buy new ones. Two towels!! ARGH! My one pair of sunglasses broke. I don't feel like even taking $12 to go buy a new pair because I feel like it's not a necessity, but it's really annoying not to have them.
Our medical costs are through the roof and DH is still undiagnosed even after having a million tests run on him. Really, they have run EVERYTHING. He goes to about 8 doctors' appointments a month, give or take. 8 times $20 = $160 in co-pays, not counting co-pays for medication, but the $160 plus the $450 we pay in health insurnace = $610. PLUS whatever insurance doesn't cover on tests which varies from $25 to $75, depending. Blah.
I'm just losing all motivation because I feel like I've been doing so much to pay off debt and nothing is coming of it. It's really depressing to feel like we're never going to get out of this and I'm sick of it.
I don't know how much longer....
May 24th, 2008 at 03:10 pm
May 24th, 2008 at 03:34 pm 1211643278
We have some on this forum that have had health issues and owe alot of money because of it.
When we first started getting out of debt, it was extremely difficult. We didn't go to a fast food restaurant for 3 month and we even shared a meal then. We sold aluminum, collected change and just plain cut back on as much as we could. If a lightbulb would have blown out back then, it would have seemed like a big deal. We had not had any time to allocate enough money to house supplies to cover incidentals like even something as small as that. We had quite a few quarrels during that time as well because our needs and wants were competing against each other.
Since you have so much going on, you might have to start with just paying off a small bill in the beginning so that you can get rid of one less aggravation and you'll have a sense that you are getting somewhere. I just made a list and crossed them off.
These times come and they will pass, but you just have to hang in there and continue reading and posting here.
Hope that all goes well with your husband.
May 24th, 2008 at 04:54 pm 1211648056
I was once a single mom with three small children and no support from their dad. There were weeks that we ate some interesting things..and it wasn't fun...I had to juggle bills, budget every article of clothing, and extras were simply out of the question..
But things do get better.
Is there any way to bring in more income?? Perhaps a visit with a credit counselor at your financial institution could help. Often they have someone who can give you ideas for such things.
Or perhaps Consumer Credit Counseling? (so you have that where you are at?) they can often get minimum payments lowered and interest rates lowered...
Lastly, it is important that you budget at least a little bit for fun. I know that can be difficult or seem impossible..but as you work your plan out...be sure to put fun or discresionary money on the list. That is very important when things are tight and everyone needs to feel like they are working for something more than paying debt.
My prayers are with your family. I sure hope your DH is diagnosed so that he can receive the proper treatment and get better. Hugs
May 24th, 2008 at 06:17 pm 1211653041
May 24th, 2008 at 09:32 pm 1211664773
May 25th, 2008 at 01:49 am 1211680198
As for feeling so drained, are there things around where you live that are low to no cost? Maybe a picnic at a park, a walk along a lake or the beach, street or art fairs, etc? One thing we like to do is go for walks at night and look into peoples house as we walk by on the sidewalk. See their style ad talk about what we would do if we lived there. Not for everybody, I know, but just an example of some of the no cost things we do.
Good luck and keep us posted. Blessings!
May 25th, 2008 at 01:00 pm 1211720456
May 26th, 2008 at 01:44 am 1211766262