First let me thank you for taking time to read this outreach message. 2019 started off okay, however, it has spiraled into financial ruin.
We are normal people who work and live paycheck to paycheck. We help others when we can and do not keep a tally as we believe you should give freely from your heart.
As you all know it was a colder than usual winter. We moved into an older house in February. It is a farmhouse heated by boiler heat. The boiler is fueled by propane. The propane company has a policy that they do not offer month to month terms until you have lived in the house for more than a year. I understand this as they do not wish to be stuck with a bill. They are a business. What that meant for us – we have to pay as filled. The tank (depending on how low it is and the rate per pound for propane) can cost $350-$500. We had to have it filled 3 times. This really zapped on hand cash. Honestly, the last fill was on a credit card.
In April I was in a not at fault car accident. I missed a week of work and my car was totaled. I have cervical and thoracic vertebra out of place. I have been adjusted at least 4 times. It causes pressure and head aches.
I was having some blurry eye sight and thought I needed new glasses. I went to my normal eye doctor who inquired weather I had any type of palsy. I was not aware of any palsy. He asked then if I had a trauma. The car accident was the only trauma. My right eye droops and does not close all the way. He sent me to a specialist. The specialist said I have a permanent nerve damage andbefore he did anything wanted to make sure there is nothing else neurologically wrong with me and has sent me to another specialist – a neurologist. I see him the end of November. However, the “fix” for my eyelid is a small gold implant to weigh my eyelid down so it will close all the way.
In the mean time I have to use a gel type substance in my eye at night to prevent drying and getting debris in my eye while sleeping.
While this is going on my husband has been being treated for plantar fasciitis. They casted his feet and made $600 inserts for his shoes. However, it did not fix the pain. He had gone about once a month for shots in his hip for pain. It helped for a couple weeks at first. Then a week and then not at all. They took Xrays of his hip and sent him to an orthopedist who sent him for an MRI. The MRI showed something called degenerative joint disease, and avascular necrosis. This means the head of this hip bone is dead due to lack of blood. He currently has constant pain and has not been able to work for about a month. He is scheduled Oct 17, 2019 for a total hip replacement which will have him out of work for another month or more. The date the doctors put on paperwork was January 2020.
This being said, no work – no pay. I am still working but we were already paycheck to paycheck and half the paychecks were just removed. We do not qualify for any public assistance. We are the in between.
Things are really tight and it’s getting cold.
I have had to stop paying any bills that do not affect us daily. We will have to file bankruptcy. We will have to save up to go broke.
I have over $60,000 in student loans. I am convinced I will be paying long after I am dead.
This breaks our hearts as we have always worked hard. We are just normal people. It is amazing how quickly it all goes away.