Loosing my sanity...help!!!

iVillage Member
Registered: 08-18-2008
Loosing my sanity...help!!!
3
Fri, 10-10-2008 - 11:37am

This is my first post on this board.


Husband and I are in over our heads in debt....we owe two cars,house, all our utilities and crazy amounts on credit cards plus we have to pay childcare.


iVillage Member
Registered: 07-02-2008
Fri, 10-10-2008 - 12:10pm

Hugs to you. Take a deep breath. You will make it through this.


Do you work? Please feel free to post your expenses here - even if you are in the hole. The women on this board are great at helping find ways to pinch pennies.


Is there anyone you can borrow money from to pay the daycare lady today? I hate to sound rude but that center/person has bills to pay too. Can you in any way trade services for daycare costs? Volunteer there? Offer to do something for them so they will cut the bill down? It's worth asking - doesn't hurt.


Keep your chin up. Anything you can sell on ebay? Can you take kids clothes to a resale shop?

iVillage Member
Registered: 03-07-2005
Fri, 10-10-2008 - 12:11pm

I'm so sorry to hear about your very stressful situation and I hope your dh makes a full recovery. Do you have any family around to help you out with food at least and maybe $10 bucks to get to work this week? Have you applied for any/all state aid to help out if you qualify, including day care? IMO I wouldn't even worry about the CC's until you get back on your feet with utilities, house, food, etc, KWIM? I know it's hard to put them on the back burner but for now try to focus on the bare essentials. Hopefully someone else will be along with more helpful advice. I hope things get better for you soon. GL

iVillage Member
Registered: 01-25-2006
Fri, 10-10-2008 - 3:12pm

I'm sorry things are so stressful. I wanted to suggest you try to make some calls this afternoon and see what sort of food bank assistance you might be able to pick up. If you are a church goer, try your church first but if not, call the closest Catholic church and they will likely either help you from their bank or be able to refer you to the local resource.

Next on your list is to immediately go out and cancel all auto withdrawal payments so you don't get overdraft on top of everything else.

You can also look at www.modestneeds.org to see if you might qualify for a one time grant to maybe bring your utilities current. That won't happen overnight but they might be able to help you on that front.

I would not be deceitful to the day care place. Maybe they would be willing to spread a week or 2 of tuition over the next year to get you over the hump or something but they can't help you if you don't try to work with them. The last thing you want is someone resentful caring for your precious child.

Can you look for someone to carpool with? Maybe they could drive the next couple of weeks and then you could drive for a couple of weeks?

Those are all short term solutions but it is likely time to get yourself into a bankruptcy attorney and see what your options are. The first consultation is free and then you'll understand what your options are and what the consequences are.

Good luck and I hope you'll check in often.

Peg