i feel in a rut

iVillage Member
Registered: 09-21-2004
i feel in a rut
4
Sat, 10-09-2004 - 5:40pm
I am a sahm mom and dh is military and currently tdy. We are in debt up to our ears but with him being gone and getting promoted this month, etc, we will be recieving more money every month. But I just wish I could help to pay off our debt. But if I go work (dh doesn't want me to work btw and I am fine with that esp since he is gone) but if I work, then I have to pay a daycare, I have 2 kids, and by the time I paid daycare and gas back and forth to work, that is my paycheck right there. So its just better for me to stay home.

I guess I'm just feeling depressed because I checked my credit score the other day and even though its not bad, it is lower than I thought. Part of the reason its low is because of a divorce I got 4 years ago and being young didn't realize some things and ended up hurting my credit. But it also said another factor into my score is that I haven't applied for credit in over 2 years. That is because we can't afford it. The best way for me to keep us from going further into debt is to not apply for any more credit. That makes me mad. I'm working to keep us from going into bankruptcy and it still ends up costing me. I can't win no matter what I do. OMG!!!

Plus does anyone know how I could dispute something on my credit report? I have something there that I'm not sure about. It hasn't counted against my credit but I don't recognize the account. I might know what it is but anyway, the account needs to be closed cause if its what I think it is then I don't see how there is a balance on it cause I sure ain't paying it. KWIM? If it is what I think it is and it is being used, I'm not using it and can I get it off my report. I'm sure there will be some hassle but its not me. There has to be some way to prove it. Anyway, I just need info on how to dispute. Addresses, phone numbers something. Thanks for letting me vent and for any info.
Avatar for cl_beckymk
iVillage Member
Registered: 03-19-2003
Sat, 10-09-2004 - 6:52pm

I understand the feeling completely about wanting to work to help out but realizing that it would cost you more to work than not work.

iVillage Member
Registered: 04-21-2004
Sun, 10-10-2004 - 8:38am
Maybe if you want to bring in some extra money you could sell some things around from the house. try getting rid of old toys, clothes, and other items you don't want or need anymore. You can sell them on ebay or I highly recommend selling books on amazon. its a nice way to work from home and make extra money. You could also try "mystery shopping" (search google for it) or maybe sell avon or mary kay? Just some ideas...

kel

Avatar for mquin73
iVillage Member
Registered: 03-27-2003
Tue, 10-12-2004 - 10:53am

Hugs mattsgirl.


signature 2008

iVillage Member
Registered: 05-06-2004
Tue, 10-12-2004 - 11:49am
I worked in data billing years ago in a Pathlogy Lab. Loved it. Paid great. Then started my family. I opened up an licensed in-home daycare (can keep 6 kids) to make money and stay home with the kids. It worked out great. You actually make alot more money doing this than going to work, buying work clothes, work lunches and gas and paying daycare. My sons were 1st grade and 1 yrs.old, the youngest is now 18 yrs. old and I plan on closing the d/c in the next year. I could take off when needed, go on school trips, had some freedom, you make up your hours, rules and give notice when you need off. Its worked out great. Alot of mil. wives should do this. It has spoilt me in some ways, such as how will I deal with someone bossing me? And when I go to work part-time somewhere the money will be nothing compared to what I was bringing in. Just a thought for you and the previous poster about ways to bring in $$$ without a sitter bill of your own. donna