[Yoda]

I am overwhelmed with my life right now mostly because of financial issues. A few days ago I discovered my car insurance was cancelled for nonpayment. One of the payments they tried to take from my old account after it was closed. I had taken them the new bank acct info to the office so I don't understand that. So now they say I owe for Feb, March, April and May. I wrote a check for half of it and I don't have the money now for the remaining. I put some of my model horses for sale but they aren't selling. The only other way I know to get money is to take it from my IRA but I have been doing that regularly for a year now and I have gone from ~$90,000 in my acct to ~$2000. I would like to go back to work part time and really need the money but I don't know if I am ready. Instead of being productive I am taking my xanax and trying to sleep as much as I can. I am beginning to lose hope that I can control my life. My next therapist appt is two weeks away and I asked them to call if they have any cancellations. Oh and my son receives $800/month because I am disabled but that will stop next month when he is nineteen. I honestly don't know if I can make ends meet. I am really worried. Can anybody relate?

[Yoda]

Oh and I forgot to add my heat pump has not been working for three weeks now and I have an electrical short so I turned my breaker off and have no electric in five rooms. I don't know when I am going to be able to afford to fix them.

[Yoda]

I feel like such a screw up. My son was ill at the beginning of the month and I took him to the dr and got an excuse for the two days he was off. He was off school sick another three days. Last week I drove to the office to get another excuse but they had closed at eleven am. I called today to ask them to fax an excuse but they said I should have called the dr to tell her my son was more sick. I didn't do that because he has no insurance and I knew I could afford another appt. They said they don't know if the doctor will fax the excuse or not. I am screwing up my son's life as well as my own. I feel like such a bad mother. I can't stop crying.

[puckyjan56]

bless your heart, you have had it rough. try to hang in there though and things will some how turn around. i have money problems too. just not enough and it seems every month something comes up. you are my alone and come to post as much as you can...........pj56.xxoo

[Yoda]

Thanks, puckyjan, I am struggling. I decided to make a budget for the rest of the month and when I went to my online bank account I found that AIG insurance had taken a payment out despite me calling them and cancelling the acct. They say it will take two weeks to reimburse the money and there is nothing we can do to speed it up. My bank acct is in a negative balance and I have animals and a kid to feed. This day just seems to get worse and worse. I want to just sleep my problems away but I can't sleep.

[DOWNINNATICK]

Hi Yoda;
Keep your chin up, I'm almost in the same boat as you, I've been out of work since Dec 07 and my husband was laid off in Jan. 08.
But you need to keep your chin up and know things will change to the better soon. Can you get SSI or food stamps? Try picking things up at the food pantries, they are there for people in need.
Keep smiling and keep posting when needed.

Downinnatick

[(JD)]

Let me join in and urge you to utilize the food banks and clothing banks that non-profits (churches and Salvation Army etc) have set up. I donate regularly to them just for this purpose, so when I hear of someone needing assistance and not going to them for help, it saddens me. We all reach a point where we are required to rely on others, it isn't easy, but it's a growing time in our lives I think.

[Doh2007]

I agree with Sky. You should be able to get food stamps at least.

[Fuzzybear]

[Yoda]

Thanks for help, guys. I might try to find out where the food banks are. It is a very tight month. I haven't had any food for my horse for four days but I have a five acre pasture that I put him in; I know he misses his grain but there isn't much else to do.

I make too much money from my SSDI to qualify for food stamps. They just look at what you make and don't take into consideration that my car broke down a couple weeks ago and had to pay the tow fee's plus the garage's fees. In 2005 I lost my SSDI and had no income at all for several months and was living in my house with no electric and they did give me food stamps then but then in 2006 they calculated I had too high an income for the year and made me pay the food stamps back.

I wish my horses would sell. That is the only thing of value I have, I'll keep trying.

I know it's a coping mechanism but it is one of the few I can use right now. Taking a xanax and going to sleep and avoiding the problems feels best. I did email the RN board to see what I need to do to get my license renewed and it sounds pretty simple but energy is very short supply right now. But at least it is a goal.

[Fuzzybear]