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XbelovedXoneX
08-21-2006, 02:45 PM
Life has just been so overwhelming lately. This past year has just been so draining on my emotionally because the finances with my DH and me have been so tough. We owned seperate house before we met, so we are still currently paying 2 mortgages. I had mine up for sale, but not one person called to do a walk through... so now we are hoping to try and rent it out. It is such a weight on our shoulders. Not to mention all the other bills we have. Currently I'm over $800+ overdue on my credit card which I haven't touched in a year. Oh, and last week I discovered his home's property taxes were never included in his mortgage so we are past due on that. :wall:

The biggest blow came a month ago when my husband lost his job. To be honest he was the bread winner in our household.

I'm so stressed out and depressed. I have terrible mood swings as a result of having BPD, so this makes it all worse. I really just wish we could fast forward maybe 6 months into the future and have everything be ok... :pout:

I just really needed to get somethings out. Thanks to those who read all that!

AmandaC
08-21-2006, 02:49 PM
:hug: I hope everything works out for you.

janelanespaintbrush
08-21-2006, 03:14 PM
That's horrible. I hope you can find a buyer for your house soon, and hope that hubby finds a job. Hang in there!

Sara
08-21-2006, 03:15 PM
:heart: I have been down that path. I am so sorry. :hug: My mantra was "No company can kill me for owing them money" and "There is no such thing as debtor's prison". :shrug: It wasn't our fault that DH lost his job. It was absolutely unexpected.

Get thee to a financial counselor (a free one) asap.

Don't try to avoid the problems, they won't go away. You have to face them.

Could you sell the house you're living in more easily? Do you have a realtor, or are you trying to sell it yourself?

We're here if you need to vent. :muah:

projectgal
08-21-2006, 04:06 PM
You have the right perspective --- things will be better in a few months, but it is miserable in the mean time!

Take care of yourself. BPD doesn't need added stress.

Take care of your marriage. Money arguements can be ugly.

Rember that this is only a phase! See if you can find any of the Suzi Orman books at the library. She has a very healthy perspective of what money can and cannot be.

Best Wishes!! :hug:

XbelovedXoneX
08-21-2006, 04:10 PM
Thanks everyone!

Sara:

Can you recommend where I would look for a financial counselor? I've never heard of them before.

My husband's job loss was completely unexpected. It's mainly because my DH and the part owner(and former friend) butting heads because the owner was running the business poorly.

We were using a realtor, but have since took it off the market so we can rent it out with a longer lease aggreement. Unfortunately, we wouldn't be able to sell the house we are living in because it is much larger, and since he has a daughter we need the extra room.

skNYC
08-21-2006, 04:11 PM
Sorry about all that is happening. Hang in there. Take a day at a time. Everything will be fine.

Amber
08-21-2006, 04:32 PM
:hug:

rebecca
08-21-2006, 05:19 PM
Another :hug: for you

Sara
08-21-2006, 06:51 PM
This organization can give you lots of information, they are non-profit and their services are free. CCCS is recognized by the Better Business Bureau.

Good luck, honey! :hug:

http://www.moneymanagement.org/

mulene
08-21-2006, 09:31 PM
Urgh that blows big time! You know, all I can offer you is the same old thing most will say "it will be better in time, trust me" - 6 years ago, I lost my job - I had a case for tribunal but I never saw it through because I became deeply depressed and the whole thing pretty much devastated me. It cost me my relationship with a really wonderful man who I honestly could have spent the rest of my life with, hes the only one I've met that I ever would have (and we were trying for one) considered having a baby with. The good thing about this relationship ending when it did was the knowledge that through thin times he couldn't stick around, fair weathered friend and all. Thank goodness we didn't have that child!

The bank were foreclosing on me and were trying to force me to sell my home because of the debt of being unemployed for 6 months. They charged me for bouncing payments and they charged admin charges on the bounced payments and interest on the charges and charges on the charges till they had charged me around 600 in total.

I can't tell you how it all worked out in the end, frankly it is still just a huge haze for me, but it did work out and it was a long hard struggle to get there, but slowly and surely the light at the end of the tunnel creeped closer and today, no matter what is thrown at me, I know I'll cope because I was at rock bottom then. As they say, what doesn't kill you makes you stronger.

I can't offer anything to you other than an ear to listen a :hug: to hold you and in my best soothingest British accented voice to say "hon, it will get better; hang in there we are all here for you"

XbelovedXoneX
08-21-2006, 10:19 PM
Thanks sooo much everyone. :hug: This board really is wonderful with all the support they give everyone. You guys have helped calm me down on more than one occasion! One thing that I've come to realize through this is that if the DH and I can make it through these financial issues as we have we can make it through anything. :heart: He has these moments where he's paranoid I might want to leave him because of all the financial issues and the fact that he's trying to start up his own business also, but I couldn't imagine life withough him. Ok, enough sappy stuff! :teehee:

gimmesanity
08-21-2006, 11:58 PM
:hug: :hug: :hug: :hug: :hug: :hug:

Take a deep breath and remember that this, too, shall pass.
You always have your humble little KH community to vent. Hope you feel better soon!

JessicaR
08-22-2006, 12:34 AM
All I can suggest is Dave Ramsey's Financial Peace University. It changed our life and we were ready when my husband got laid off (over in the Grand Rapids, MI area). We sold our house and moved out here to Iowa in November. The economy is a lot different over here. Tons of jobs and gas has never been over $2.89. I'm so glad we moved, but I'm even more glad we went through FPU.

http://www.daveramsey.com

jodstr2
08-22-2006, 10:27 AM
aw sweetie I am so there with you, in so many ways. I'm in the worst financial situation I have ever been in in my lifetime. seems if it's not one thing, it's another. hang in there, take a deep breath, keep your eyes and head on the better days ahead, and take small steps. *hugs*

bjc1050
08-22-2006, 07:23 PM
RE: the sale of your extra house...sometimes all it takes is changing realtors. Back in 1990, we were building a house and we had maxed out our credit cards in addition to taking out a second mortgage to cover the building expenses. Lo and behold, the bottom fell out of the housing market. We lived in Manassas, VA at the time - usually a hot market. I nearly got ulcers because we weren't getting any nibbles. We changed realtors. The new realtor found a buyer in only one day. Pay attention to houses that are selling and who they are listed with.

Good Luck!