Last week was definitely interesting. I hate when I don’t write my daily updates here because by the time I do-I end up writing everything in one post. I need to keep up with this blog. Not only for anyone reading but for my sanity!
The week started out like any other. I walked into the office to find one of our biggest chain accounts closed it’s doors on all locations with NO NOTICE and filed BK. Hundreds of people I have talked to on a daily basis now without a job. It made me sad. It just reminded me that I do take a lot of crap at work but with the times we are in-I should be grateful that I have a job. That has been bothering me a lot lately. I feel like I am settling but am forced to because of our financial circumstances.
I came home upset and started going over finances and bills with my husband..AGAIN. I just can’t understand why we are still so broke and we are not paying credit cards anymore. I started pouring through the bank statements and calculated deposits and what was going out. We realized since January my husband has really been making barely minimum wage! Yes, he makes OK money but after he calculates all the expenses especially GAS, it is very little. We continued discussing the finances and I guess I am just so stressed with it all-I flipped! I just let it all out and my poor husband just listened. I went to bed upset (on the couch) and went to work the next day. We did not speak for a whole day. This was the first time we have ever been like this in the 16 years we have been together. I was miserable. We talked about it the next day and I felt like crap. My husband said he never felt like such a failure to not be able to provide financially for the family. He also feels bad that I take the crap that I do just for a paycheck. We talked a lot. We both realize the true situation we are in and we gotta do something about it…and now!
After we spoke, I realized that even though he does not “bring home the bacon”, the things he does for the family are priceless. Since I work early and come home late, he basically does the “mom” role with the kids and does his own work on top of being a dad…and a mom really. I am grateful for that. What I do know is the main problems we have now are…
MONEY-we need more of it! Hubby is applying everywhere. Nobody is calling back! I am looking for part-time but the only ones I find interfere with my day job hours. That would make no sense to do that. I am focusing more and more on online work…surveys, posting on forums, etc…anything helps.
We need to move. This apartment is having all kinds of trouble and we have a mosquito infestation now. The main problem with that is-my youngest is allergic to bug bites. She missed 2 days of school last week because of them. We have done EVERYTHING to repel them with no luck. The management here honestly is trying to help but it is not their fault. Apparently where my apartment sits (at the end of a damp and dark) hallway, it is attracting the little suckers and possibly causing the mold issues. Also, it is way to small. We are all on top of eachother. It is not even about having too much stuff anymore, it is just us and the dog and it is crowded! I have really been looking around and everyone wants at least 1st and security for a move in. Well, even at the lowest I found here and that is for another 2 bedroom is $1100-times that by 2 or 3 and it is $3300 just to move in. We don’t have it. On top of that-we are having a huge problem here in Florida with rentals being foreclosed on because the owners are not paying the mortgage. That would stink. 
The last and final thing is…we need to pay the lawyer. I keep saying it but keep putting it off. I am so scared to pay him because once we do-that little money we have saved is gone. If an emergency comes up-we are screwed.
Ahhh, that is my rambling. I will be updating a lot more from now on. I promise.
Sorry to hear thing are still not leveling off for you. I sure hope the DH finds a new job. I guess I am feeling fortunate to live where I do, although I hate the snow, things are not quite as bad here with the foreclosures. Take care and I hope things get better soon.
When you add up everything that must have been a real eye opener to see he is making only min wage. That’s kind of like my husband and our embroidery business, I’m sure if we added the whole year up it wouldn’t amount to much, but like you he does keep up with the kids, makes dinner, helps alot with keeping up the house, and we if had to pay someone to do that it would be expensive! I think you should slowly take out some funds from your savings, save it in cash and take the other 1/2 and make a payment to your lawyer. If you don’t get your lawyer paid then the collections will just get worse. And sorry about your apartment, what about that other one close to you that was less expensive? Would they work with you on the deposit? Wouldn’t hurt to ask management. I hope things start looking up for you.
Oh gosh-things will get better soon-they have to. Given our luck-I wont dare say things couldn’t get any worse.
As we speak, I am figuring out how I can get this lawyer paid. It will be done-soon!