I am so far behind on all of my bills. We are making minimum payments so that we can still have food on our table and a roof over our heads. We can not mess up our lease by missing rent, so that is the only thing that we are up to date on. It is really hard to find a house in our town and we can not downsize with our large family. We currently live in a 2 bedroom house with an extra room that has the furnace and water heater inside. My husband and I have this make shift bedroom. At least we have a roof over our heads.
We have been homeless before due to employment issues then credit issues and I can’t do that to my family again. My husband has a great job and everything was all good until I got sick.
We will qualify for heating assistance through the winter which will keep our electricity from being shut off. We are still struggling on water, car payment, and phone bill.
When we got the van that we have now we were forced into buying a vehicle. I had driven two and a half hours away with the kids to visit my brothers and my van engine blew. (Back before I broke my back and could still drive.) It was over a decade old and had an oil leak but I really wanted to see my brothers and the kids received free event tickets to dinosaur quest that happened to be where my brothers lived. I made it close to their house and then the engine blew. I was able to cram the kids into my brothers truck and I rode in the back just for fifteen minutes to get to their house. I had my van looked at and had absolutely no money. The engine was broken so bad that it couldn’t be repaired. I was stranded two and a half hours away and couldn’t have my child ride in the front seat of an old beater truck for two and a half hours and I couldnt make it in the back for that long on the highway. At the time his truck wouldn’t make the drive out either.
So while I was stuck my husband was stuck trying to find a way to bring us home. We only had one vehicle because we had just got on our feet. His work was right across the street from where we lived and he could walk so he did not have to miss work. We did have to come home because the three weeks being stranded was way too long for my daughter to miss work and my brothers could not afford to keep feeding the kids and honestly the kids eat a ton. He went everywhere to look for a vehicle with a 0%down plan. He found a pricy plan. We got a used Kia Sedona and it would cost us $180 every other week and then we had to have full coverage. Full coverage turned out to be extremely expensive, $195 a month. Well there is almost $600 extra a month out just to have a vehicle.
That was last November. We are now stuck with this van for the next 5 years unless we let it go and get it repossessed, even then we can’t be without a vehicle. Payments are way too much and we can not save anything to buy anything different because there is nothing left to save.
So now our bills are way too much.
$195 car insurance
$180 x 2 sometimes 3 for van payments
GRAND TOTAL: $1645
My husband only brings home about $2000 after taxes.
That gives us $355 after we pay our bills. If we pay on them. So far everything is behind because we can not afford anything.
Food is expensive for a family of 6. My daughter is diabetic so she needs things that insurance does not cover. We need about $100 a week for gas to take my husband to and from work now that we moved, to take me to all of the doctors that I see every week, my daughter to her endo appointments, my son to his appointments, the kids home from school, my ER visits and then our trips out to get groceries.
We do get food assistance, a womping $280. It helps but does not get us more than a week and a half of groceries. There is a local food pantry that we can visit once a month and it helps but it does not last either.
I clip coupons, budget and always shop the sales for groceries. Even all of that isn’t enough.
I am waiting for disability to kick in. I am certainly sick enough and have enough chronic conditions and pain that I qualify but the process takes at least a year where I live.
I have to somehow make it to May 2018.
I don’t know how I will do it. My husband wants to get a second job but then I would have no way to get to appointments or to get the kids home from school.
I wish that I could work but I can not pass a work physical to even try. I am at risk for falling because of the spinal injury. I am simply not qualified to do much. I started college but had to put it on hold due to health issues.
We are just in a slump.