Thank you internet stranger, for considering helping us out. Here’s the long version so you know how you would be helping. Skip ahead to the end for the short version.
We’re not the most desperate people out there. We’re probably lower middle class. We have 3 kids. I’m an English teacher and my wife works at a bank. We are having trouble coming up with the mortgage payment this month. Let me explain why.
We have a lot of medical debt (I have liver fibrosis, my wife had an emergency appendectomy, my son had tubes put in his ears, and there’s what we still owe the hospital from the birth of the last 2 kids) and credit card debt (we don’t spend outrageously frivolously, but we’re getting hammered by high interest). I’ve actually had to decline help for my liver issues because I needed the money to pay the mortgage and I’ve been selling my guitars to help pay credit cards on time.
Last summer we were doing the Dave Ramsey debt snowball and we had $1000 saved up as an emergency fund. Then the dishwasher broke and the A/C broke (in FL in the dead of summer) and one of the cars broke down and then the washing machine broke. The emergency fund was gone and everything else went on credit. The minimum payment went up and the bills got harder to pay. Saving money was easier before all of this new debt we took on. Then this year our mortgage payment went up an additional $200 per month because of property taxes. We were barely making it by before. We basically live paycheck to paycheck, but our kids aren’t going hungry or anything but our oldest is realizing that money is becoming a usual stress for us. Usually by some miracle we make it through month okay – but we’re coming up short on the mortgage this month by just $700. My daughter needed new glasses because hers broke and my wife had to pay a business expense out of her own pocket and we had to take the money for these expenses out of the amount we usually save for the mortgage.
Can you help us out?
Short version; I don’t want to miss my mortgage payment, because I can’t afford to get behind and have to play catch up – we’re barely treading water as it is.
Please consider helping.