I live with my mother, who is disabled, and my 90-year old grandmother, who has dimentia. I am 34 years old. I have worked since I was 17, around the time my mom became disabled. We struggled for as long as I can remember. Sometimes, we only lived off of $10,000 to $12,000 a year and government assistance. 3.5 years ago that changed when my mom was able to start drawing more social security from my dad’s retirement. They were divorced when he died, but they had been married 22 years, and she got his retirement. Then 2 years ago (this month), things got better still, when I got a wonderful full time job at a cell phone store. But it’s half commission based, and things have been slow lately, plus I’ve had to miss some due to medical issues.
When I first got this job, and things were good for the first time that I could remember, I spent more than I saved. Part of what I spent, though, was helping out those around me who needed help, since I had received help from others in the past.
At this current point in time, though,, due to bills getting further and further behind, recent and upcoming medical conditions, new medicines, and similar issues, I am now about $1,000 behind on current bills. With another $1,000 that I need by October 29th for my deductible so I can have the surgery on my esophagus. I am also working with National Debt Relief, trying to avoid bankruptcy on other loans I’ve received in the past several months trying to catch up, which only made things worse. All together, it totals about $15,000
But, the main thing I’m concentrating on right now is current bills and the medical deductible for my surgery. I know I’ve caused a lot of my own problems by being frivolous instead of saving when things were good. So, I don’t expect much help due to that. But I promise, whatever is given to me, will be payed forward when I get back on my feet. I never forget anything done for me, and I always strive to pay it forward.
Amber Jo Carwile