I look back over my life and wonder how I managed in the past. How did I (13 years ago) pay a mortgage and two car payments with all the utilities and insurance and still buy groceries and have money left over with small children in the house? I can’t do it today.
I am almost 6 months behind on 3 credit card bills. My husband hurt his back and was out of work for almost 2 months and that really hurt but I didn’t realize it would do this. I’ve been late so much on my auto insurance that they are demanding I pay up front for the next premium due in 10 days. $1900. I have an 18 yr old male in the house and cannot be without insurance. My lease car goes back in 2 months and I’m a month behind on that. I won’t be able to replace that car and we both have jobs so I don’t know what to do there. We paid our mortgage 20 days late last month. Hopefully it doesn’t get worse than that for the mortgage. Our credit is shot. I can’t ask for a loan and even if I could I wouldn’t be able to afford to repay it right now. I’m only upside down $5000 but because he got hurt and we fell behind that five grand is costing us everything. I can’t get caught up.
Im even struggling to buy food. My teenage son has gone from 154 to 136 because there are no snacks in the house anymore. He eats Raman noodles. Our 10 yr old girl calls herself the cereal queen and begs for pot roast. I’ve lost 20 lbs myself.
I feel like such a failure to even be typing a post like this but if anyone can help me feed my children and put us back on our feet… keeping the roof over their head I can feel this way forever. I will spend my life paying it forward when the means become available to me. I don’t know what else to do.