My name is Kim Louderback and I look happy in this picture, but really, I am so stressed out I don’t know what to do. I am turning 50 next month and never thought I would be in my current situation of being in debt to the tune of $42,000. How did I get here?
I have been married for 19 years and our finances have always been kept separate. When we first got married we talked about buying a small place at KY or Barkley Lake. My parents live about 45 minutes from the lake.
There is 15 years between us in age.
He was 46 and never married and no kids when I married him. I knew he was a keeper! He just recently retired and now I am supposed to be the bread winner. We are struggling and I don’t want him to have to go back to work. You see since we keep our money separate, he didn’t know until this past week how much debt I actually had. Now he is upset, disappointed, and worried. He is worried I could lose my job due to COVID. And I have lost his trust. My heart hurts because of what I have done to us.
I would give anything to go back in time and be taught how to live within my means. Reality has set in and I know that I need help. I can’t stand living paycheck to paycheck. I can’t get ahead because of 19.99% interest rates and a credit score under 600.
Did I tell you that I have had five surgeries that helped contribute to the credit card debt over the past ten years? Let’s see, emergency appendectomy, pre-cancer cells in uterus – hysterectomy (still have my left ovary), gallbladder removal, numerous nodules found in my thyroid – thyroidectomy, and vein ablation on both legs. Plus, I take 8 different medications a day. Now I have to deal with hot flashes because I have reached that “age”. Diagnosed with polycystic ovarian syndrome, hypertension, fluid retention, diabetes, high cholesterol, obesity, depression and anxiety. I take two “crazy pills” a day just to help me cope with life.
I been having pain in my right hip over the past few years and finally made an appointment for 7/16 to get it checked out because the pain has increased. I pray that it’s not a cancerous tumor.
I need your help so I can do a “DO OVER”! I need to win my husband’s trust back. With your help I will become debt free and start again. This time I will have help with budgeting my money, my husband. I will have an allowance, just like it was when I was a kid. I have already cut up all of my credit cards as my first step to freedom. Can you help me build that trust?
Thank you for your donation. I can’t tell you how much this truly means to me. May God continue to bless you and keep you safe.