Struggling with credit..
A little back story on my family’s situation….
My husband and I were the typical mil family in 2017. My husband infantry USMC, myself stay at home student (pregnant), preparing to move to the coast of NC and start our lives with a beautiful daughter. We were blindsided on Christmas 2017, at 35 weeks we gave birth to a silent sleeping angel. The shock and pain took my husband and I on a whirlwind of denial, anger, depression, etc. The loss of our first child took it’s toll on the both of us very differently. I was sad and couldn’t leave the house. My husband was forced to continue working– USMC didn’t offer any kind of help to us. Funeral and medical expenses literally consumed all of our savings and put us in a black hole of debt. My husband lost his job in the Marines 6- 8 months later due to lack of training (from missing work due to therapists appointments). We were forced to move back home with his parents with our dog and cat– oh and if that wasn’t great news we popped up pregnant right in the middle of this crap fest. Yay…..
August of 2018, we were now 4 months pregnant with a large dog and cat. Moving 4 hours back to our home town on our dime. With absolutely no savings left. the credit card debt is unimaginable, but we are trying our best to fix our mistakes. Currently status– Living in a small 3 bedroom mobile home with 3 other adults, 2 other dogs, and 2 other cats is hard enough and in 3 SHORT months we are going to be first time parents with no room for our baby to sleep. As a mother, I can’t tell her how much it hurts to be so unprepared knowing how prepared we would have been just a year ago. We are currently living out of laundry baskets and trash bags and with all the animals inside it’s just not a healthy environment for a newborn to me.
So we set a goal to buy a place, we are currently conditionally approved for a mobile home single wide. Nothing fancy, it is small, but it’s something of our own and something we can afford. The problem– our credit is completely wrecked with credit card debt, letting his car go back cause we couldn’t afford it any longer with losing his job, and of course the student loans and medical bills we have yet to finish paying for. We qualified for the loan, but with a 10% down payment…. we have exhausted all options and I am completely desperate for help.
We only need $5,000 for the down payment the rest of the fees and closing costs will be factored back into the loan for us (thankfully). My grandpa is gifting us the land to have the home moved too, thanks pop! We come from nothing so of course our parents can’t afford to lend us anything to help. We currently only bring home $1,900 in salary a month (since I’m with child and high risk I can only work so much). To be able to get the money by perseverance and savings we would need to save around $1,500 a month for 3 months and with $1,000 in our bills coming out of our monthly income it is a far-fetched idea.
I have cried, prayed, pleaded with people, and now I am resorted to begging. I know I have created this situation for myself, but I just want to be able to give my baby the best home life possible. My husband and I both come from horrible childhoods (drugs, alcohol, abuse, etc) and I don’t want my child to suffer or struggle. This home would be ideal for our family in so many ways and I would be so very grateful for any help at all in getting this home for my family.