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Replies to 'Debt'
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January 24, 2007, 9:25 am PST
 Quote From: shamrock42 My husband and I have always struggled with finances, we live very modestly, we have older cars and we never go out but we can't seem to save anything. Well now our town will be raising taxes and I am freaking out, if there is no money left over at the end of the month now, how will we pay a higher mortgage? I think about this from the moment I wake till the moment I fall asleep. (when I CAN fall asleep) I don't want to sell my house and probably couldn't anyway as the market is on a downswing right now. Even if we sold it, we couldn't afford anything in this area. I don't know what to do, We both work full time and I am looking for a part time job but I don't know if that will be enough. I am so depressed and my husband is probably getting frustrated with that, I know it doesn't help the situation I never used to be this way. I wake up in the morning and a wave of anxiety sweeps over me and I want to crawl under the covers and sleep forever. I hate treading water like this and worrying that the future is going to be even worse... it is exhusting, mentally and physically. I sit here in work and no one would know it but I am screaming inside. I probably sound like I am feeling sorry for myself but this is such a horrible way to live. I truly know how you are feeling. First I would suggest maybe seeing your doctor or seeking out some counseling. I am going through a nasty divorce and lost all income so I can relate to you. Is there anyway you can downsize. No cell phones, cut down on cable. Things like that. You might have to sell your house and maybe get a condo or something. If you dont have the greatest jobs maybe you could move to a cheaper State and start over where ther are less taxes. This will be a reality for me for I cant afford where I live in the future. Take one day at a time and do what you can for that day to think about ways to increase your income. Do you have kids? Maybe you can babysit on the weekends or your husband could cut lawns? Can you get a raise at work or get another job with more money? Can your husband get a raise or another job? I know this all sounds so simple and I am not meaning for it to be. Oh: Could you ask family for help or maybe take money out of your 401 if you need too. Also, I looked into HUD one time and they might be willing to work with you. Look them up on the web. |
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