My ex-husband and I agree 2 years ago to legally separate; we had both been unhappy for many years. But we agreed that he and 2 of our sons would remain in our house while I would move on and try to find happiness. Our legal agreement was that we would continue to both own the house and split the cost between us, which is roughly $700 monthly for each of us. Our youngest son is a college student, the first in our family, and we want him to concentrate on his studies and not worry about working.
My ex is on disability which means his income is very much fixed, so when anything arises with our sons I try to cover it. But last summer, both I and my new partner ended up getting covid and weren’t allowed to work for about 2 weeks. This hurt financially, causing me to rely on the credit cards I had to help pay all of the bills. This was definitely the start of my downhill fall and our string of bad luck, vehicle problems, his work issues as he works for staffing companies and they don’t pay sick pay or an benefits, and work all depends on demand. I worked for a company that was paying me the max that they could which was only $14 per hour with no room for advancement, and I was commuting 80 miles daily. I started looking around and found a job closer and more in the same area as my partner so maybe we could share travel expenses. I did find work but had to take a 75 cent per hour cut, with the promise of a significant pay raise after 90days, and my partner and I could commute together. Well,needless to say ; his job moved him to another area with a further commute and the job I accepted turned out to be empty promises. After 4 1/2 months there I finally got a raise , a whopping 75cents- bringing my back up to $14 per hour. I was no further ahead than where I started. And with gas prices as they have been these last 9 months and the price of everything going through the roof; I’m getting further and further behind. I’ve borrowed everything I can from my mom whose on a fixed income, maxed out all my credit cards and turned them over to a debt relief company.
I’m barely surviving, I borrow more from my mom every month with the hopes that I can pay her back, I’m getting behind on all my bills, and I don’t know what to do. I’m looking for new employment that pays better but it’s hard in today’s market.
I pray everyday that I will survive this, but I’m starting to lose hope. All I think about is my money troubles, as I need to repay my mom because she needs to replace her car this year, hers won’t make it another year and everything she’s lent me is from her savings account and that’s now drained. I owe her about $1200 and I owe her credit card $1900.
I keep hearing people say budget your money, and I’m a firm believer in that. But lately I’m always worried about every paycheck, am I going to have enough to pay this week’s bills, and lately that answer is no; leaving me to figure out where the rest is going to come from.
I’m in desperate need of help, I’ve always helped others in any way I could, whether it be food, clothes, money ,a place to stay. Whatever I could do I would. Now, I need help and I’m turning to this group, in hopes of getting a little help. I’ve always heard the saying God never gives you more than you can handle, but I’m beginning to think that God thinks I’m superman. I don’t need much help, but about $5000- $7000 would allow me to repay my mom, get my mortgage caught up,and get myself on an even keel.