I feel like this is a long shot, but I need some serious help. I’ve been in my home for over 15 years and have always managed to do ok financially. This year, however, I have fallen far enough behind that I feel like it’s almost hopeless. My credit, which I work so very hard on (especially the last 5 years), has plummeted and it makes me sick to my stomach.
Anyway, I usually save money throughout the summer since my hours at work are severely decreased during the winter months. This summer, I had a number of emergencies to deal with including my 16 year old battling with depression. She overdosed on antibiotics, ibuprofen, and a low dose anti depressant. I found her unconscious and lying in her vomit. I had never been so terrified in my life… This let to a short hospitalization, loss of hours at work, 4 hour trips to and from the hospital, hotel stays, etc… Not to mention ambulance and hospital bills, but those aren’t the emergency.
With this disaster, some car repairs, and multiple other more minor costs, I wasn’t able to save as usual before October. This month puts me over $2000 behind on my mortgage and Christmas isn’t going to happen for us this year. 😔
Currently, my 2 daughters (16 and 14), live in the home with me. I’ve been divorced for around 5 years from an angry and depressed alcoholic. It was after my divorce that I really buckled down and got my life together. I started spending more time with just my children (my son is 19 now and moved out). I cleaned out the house that my ex had completely destroyed and let the children destroy while I worked. I started working hard to make my credit good and even began a more healthy lifestyle with a good diet and exercise. I returned to college and got my associate’s degree (yay me!!). I really got it together….. Until now.
I did hit a couple of rough patches, such as discovering I have 2 herniated discs in my lower back which prevent me from running (my main form of exercise and stress relief — I loved running..). I’ve let that get me down a little at times, but I can still work my bartending job and I’m thankful that I can still get around fine, even if I do miss running horribly. Running would be amazing now, since I have been getting stress headaches for about a month now worrying about my home and stressing as I fall farther behind.
I really hope I can find somebody here to help me or just hope that they don’t start the foreclosure process before I get taxes in February. I feel like that’s a long way off, but it’s the next possible sum of money that could get me caught up. I just need to through this and get my life back together.
Looking to the future, I would like to move to a larger and warmer area in a few years after my older daughter starts cosmetology school and my younger leaves for college. I live in a small town and there isn’t employment available here that fits my degree in computer information systems. I would just like to finish raising my family in the only home they remember without them knowing that there was ever a crisis. They know not to expect anything this year for Christmas, which really breaks my heart, but they don’t know just how far I’ve fallen…
With the payment due today, the amount due to bring me current on my mortgage is $2714. I appreciate any help I can get. I tried to take a picture of the bill, but this site said that the file is too big to upload. Anyway, thanks for reading my story and I sincerely hope you have a nice Christmas and a wonderful New Year.-