I am a 34 year old wife and mom of two. My family and I have been through a lot of ups and downs over the years but lately downs have been catching up with us. The debt has continued to grow and we’ve had a lot of set backs.
A little backstory. In 2003, when I was just 17 and 7 months pregnant, my husband; then boyfriend, fell from a cliff and seriously injured his back, he was just 21 and was forever disabled. He was able to get disability which is a measly $900 a month and we were grateful to that. We married and had another child in 2008. My in-laws have been a godsend to us and provided us with a cheap place to live in a trailer on their property and free sitters when needed. Literally could not have done it without them.
I unfortunately have been out of work for a while and have not been able to get one because of our situation. I really do want one though and it’s giving me a lot of anxiety not being able to. Right now we have used up all available funds and have maxed out our credit cards. We do not live over our means at all. Everything we buy is needed. We have been selling things just to pay the bills. At this moment we are $100 short of our car payment that is due in a week. All together we are about $24,000 in debt. We have also been struggling to buy groceries and have reached out to a local food bank. We get drinking water from a local spring because it is free. Our dryer broke in July and I walk all the laundry next door to my in-laws to dry them. My husband has had a bad tooth for a long time now and has pain up into his cheek and ear but we can’t afford to go to the dentist.
Our 16 year old daughter is graduating a year early so that she can go to college and get a good job. She wants to be a teacher. Graduating is expensive. Cap, gown, senior pictures, driver’s ed, etc. I hate to tell her that we have no money for her or for college. She is constantly saying she doesn’t want to end up like us. Which is very sad but I am grateful she is willing to work to be better.
My husband has been very depressed over our situation. He feels like he should be able to provide for his family and he can’t. A couple months ago he even attempted suicide. He thinks that if he is gone I can find someone else that is able to take care of us. Luckily he is still with us and got some help. He still has these feelings though and it makes me nervous to leave him alone or to mention anything about the situation we are in. I fear if things get worse we will lose him.
If we were able to pay down some of our debt and actually have some extra money through the month I could get a job. And our situation would be a lot better. Right now we do not even have enough money for gas. We do not live in a walking distance to anything.
My family and I would greatly appreciate any help that can be given and hope to pay it forward in the future.
Thank you in advance.