I am new to this, and I really don't know where to start, but here it goes. My family is in some serious financial trouble and we are definately in over our heads. Let me start by telling everyone a little about myself and my family. I am 32 years old and come from a wonderful upbringing. My parents were divorced when I was too young to remember, but I had a very stable upbringing. I tried to go to college after high school but could not stay focused. My fiance and I decided to move from AZ to PA, where we had family. His mother was sick and he wanted to be near her. We both were able to get jobs and get all of our debt paid off while we lived with his parents. We moved out out on our own, got married and started to get in too deep. The house we were renting became too much to afford and they did not renew our lease. We moved in with my grandmother and that lasted all of 1 month until we found an apartment. We were heading in the right direction, and then I got pregnant. Our son was born in Oct 2002, and everything was great. Our landlord told us that we would have to move when our son started walking (we lived upstairs from her), so we decided to look into buying a house. We found a house we loved and the mortgage payments were only a little more than our rent, so we did it. We moved in exactly one month before our son turned one. Everything was good for a few months, then we started to get a little behind. We got caught back up and then my husband lost his job. He was making almost 15.00/hr and his unemployment was about half of that. To make matters worse, our car died, and our credit was not in the best condition to buy a new one. We were able to find someone to finance us, but at an astronomical rate. Then I got pregnant again. Our daughter was born in Dec 2006 and things just started snowballing from there. My husband took a job in June 2006, making 10.00/hr and is only making 11.50/hr now. I work as a Medical Assistant at an office that is on the verge of bankrupcy. Our mortgage payments (that are now 786.00 month because they are trying to catch us up) is behind again, and they want money by Friday (10/31) or they are going to start the forclosure process, and to top it all off, our furnance is broke and it is 38 degrees outside and snowing. We are heating our house with space heaters, so that are kids stay warm. I have to decide whether to pay the mortgage payment this week or fix the furnace. Our car also is almost 4 month overdue for inspection and needs breaks terribly. What to fix first???
I am tired of robbing Peter to pay Paul, because Peter has no more money to rob! My family does not have the money to loan me and my husbands dad moved away after his mom passed away 5 years ago. We hardly see him anymore (maybe twice a year) and he has helped us out before, so it is hard to ask again.
I have contacted assistance agencies with no avail. We make a little too much to qualify!
If any one has any suggestions or can help out in any way...it would definately not go unappreciated. I believe in paying it forward...and I know that someday my troubles will be gone and in their place will be someone else's and hopefully I will be able to lend a hellping hand (or a helping dollar).
Thank you from the bottom of our hearts and may god bless your generosity!
A.C
paypal address: aimco122@msn.com