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|Mon, 05-12-2008 - 3:37pm|
I have only been reading on this board for a few days and only at work. So needless to say I haven't gotten as far as I would like but I felt so down and depressed today that I needed to talk to someone. My family is no help and since I am raising my 5 yr. son on my own I have no one else that will listen.
I thought that when I was able to by my first house this past fall that my dreams had been answered. It was always a dream to me to be settled and have my son enrolled in a good school for kindergarten. But since then everything has went into the "toilet". I thought I was doing everything right but I got behind on my bills and now I can't seem to get caught up. We don't get any support, we live off my paycheck. I am trying to get a part-time job but that is hard as I would then have to pay an additional sitter. He's already in daycare most weeks for 50 hrs.
I am so depressed and down that I feel like quitting my job and never getting out of bed again. He is the only reason I keep trying. He told me the other day that he loves his room and our house. I didn't buy high, I paid $69,000.00 approx. so with taxes and insurance(esgrowed in) I only have $525.00 a month morgtage.
I am behind in my car payment, approx. $350.00 a month. I only have $1,500.00 total in credit card bills to date but they are also behind. I have a $2000.00 personal loan that I thought would be paid off when I received my tax check. But I had to pay up all my past due bills instead.
I have tried talking to a lawyer and since I filed bankruptcy, over 5 yrs ago, that is not an option. I have tried contacting credit counseling service and all they told me was I need to get my budget managed before they can do anything for me. If I could do that I wouldn't need them, now would I.
I pay out $320.00 in day care, which I am behind now for 2 months. If I don't get it caught up I won't be able to work anyway. I have no one that I can turn to for help. I would like to go after the sperm donor of my son but only have an old cell # and no known address at this time. Plus any money that I would have to give to a lawyer would come out of the already budget that can't be squeazed anymore.
Does anyone have any suggestions? I don't want to make anymore mistakes and contact the wrong service and be out more money that is needed to raise my son. I want him to be proud of me and I don't feel like I will ever be that. Please help me or least keep him & me in your thoughts & prayers.
Signed Sad, Single Mom