I'm an emotional wreck and I don't know what to do anymore. I've read the books, I read all of your posts, but I feel like I'm losing the battle. I even jumped over and was lurking on the Bankruptcy board. It's getting so bad that I don't want to open my mail and the only phone calls I get anymore are from "out of areas" which translates to bill collectors. I'm in the process of consolidating my husband's and my credit cards bills with the use of a debt consulting company, but the due date for the intial payment if due on 4/15 and I won't have it. My car payment is 1 month late and my house payment is 2 weeks late. The sad fact is is that there just isn't enough money coming in to cover the expenses. And it's not from me not trying. I have a full-time job and a part-time job on the week-ends. I don't want to bash my husband, but he is self-employed and lives in a dream world. He doesn't seem to grasp that if there isn't money coming in weekly, our budget is screwed. You can't make it up--you just keep getting deeper and deeper. I wish he would just get a normal job! We pay so much out for him just to be self-employed. Taxes, insurance, etc. One of the reasons I won't have the money for the debt consoldiation company is because we have to get our taxes done tomorrow. I have put it off as long as possible because we will owe money and I just don't know where it will come from.
It's gotten to the point now that I don't even like watching TV because of the stupid ads that are on. Oh, look how happy you can be if you are one of the lucky people. There's nothing on there but reminders of how much my life sucks. Now I know some of you will bash me, but I really am at my wits end. This is all consuming for me. I can hardly concentrate when I at work and I constantly have this ball of dread in the pit of my stomach. Sorry this is so long, but I had to get it out somewhere.