I have had a terrible 2007 and just wanted to get it of my chest, I hope not to sound too whinny. To start of with, In 2005 my husband worked a at Chemical plant making pretty good money for us.We have never made more than about $32,000 a year but we do OK. Then one morning I get a call(about 4 am) from his work, "your husbands OK but he's at the hospital, the was an accident, a reactor blew up" . I had been dreading that call for a long time. Luckily he was OK, but the other guy (a new guy) had some serious burns. My hubby is a big boy(as in weight) and that actually saved him. Anyway, we decided enough was enough so he left that company and we decided to open a business to try to better ourselves and maybe be able to give our kids a little more. So in 2006 we took his retirement money (wasn't much) and open us up a clothing store and it went over great. We were doing so good and in December of 2006 we had enough saved to get us through Jan. and Feb. of 2007 cause we knew they would be slow months but unfortunately things got even worse by the time April rolled around things were very bad ,and may put the nail in the coffin. So we closed the store and had to claim bankruptcy, something that no one ever wants to do. It seemed like things couldn't get much worse but boy you never realize what the price of gas and milk and things will do to you. This economy is bad, and not just for my family but for everyone. My husband and I have been married for almost 21 years, we got married right out of high school and have struggled most of our life but it doesn't really bother me to much, please do misunderstand me, I am just writing this to get this of my chest, I am pretty much a happy go lucky person and try to see the brighter days ahead, but sometimes it gets to me. My mother came over the other day and told me that I never take a vacation and that my kids need one , well i thought to myself " duh, mom, but the bills come first , especially when it comes to a vacation or a home to live in." My husband and I took the kids to Disney World in 2000, My mother in law helped us but we were able to go, and they loved it. And I do other things with the kids that they like around here that we can afford but she doesn't see it and makes me feel guilty. Anyway, I just wanted to vent a little but also say that my kids are in no way lacking for anything especially attention, i maynot be able to afford a whole lot right now but thing will start looking up and I just want anyone else out there to know that if you too have had a hard 2007 or any other year, (my 2008 isn't looking too good yet either) you have my sympathy and my prayers. I also realize that things can also get worse but they can also turn around just as quick. And oh yeah by the way, I am on a losing streak on my instant wins so hopefully that turns around too and I can post so good news soon. And to all the winners I want to say Congrats, I love to hear the stories and see the posting. This is the best website around for the nicest people . Congrats to all and keep a lookout cause I' gonna be posting soon I hope!!! :sunny:
Terrible 2007 UPDATE AGAIN
- Thread starter blord7777
- Start date
Re: Terrible 2007
Thank you, and guess what, I went to the mailbox and there were no bills today so maybe just being able to share and not having any bills, maybe my days are starting to look better. Thanks for letting me share and for listening. S.A. and all of its members are the best.
Thank you, and guess what, I went to the mailbox and there were no bills today so maybe just being able to share and not having any bills, maybe my days are starting to look better. Thanks for letting me share and for listening. S.A. and all of its members are the best.
Re: Terrible 2007
You know I am just looking at your screen name and realize that the things you have gone through will and has made you stronger. That says a lot. Things will start to get better.
I truly believe we go through things for a reason and that we come out better for having gone through them.
You know I am just looking at your screen name and realize that the things you have gone through will and has made you stronger. That says a lot. Things will start to get better.
I truly believe we go through things for a reason and that we come out better for having gone through them.
Re: Terrible 2007
:wave: So sorry to hear of all the hardships that you have been facing. Sometimes it takes alot of bad days for us to be thankful for the good days that we do have. Your kids are still getting what they need most in growing up, a loving set of parents and your time. There are alot of kids that have everything that would trade places with your kids in a minute. Blowing my best of good luck wishes your way! :angel:
:wave: So sorry to hear of all the hardships that you have been facing. Sometimes it takes alot of bad days for us to be thankful for the good days that we do have. Your kids are still getting what they need most in growing up, a loving set of parents and your time. There are alot of kids that have everything that would trade places with your kids in a minute. Blowing my best of good luck wishes your way! :angel:
tobby1
New member
Re: Terrible 2007
You poor thing. You deserve a good whine. I am so glad your hubby is OK.I know it can be hard when money is super tight, but it sounds like you are doing a great job with the resources you have. And children would much rather have your attention then all the money and things in the world. I know that to be a fact, my nieces and nephew love to be with their poor Auntie more then anyone in the world, even their rich Daddy who buys them anything they want. So keep up the great job and don't let anyone make you feel like your not doing a good job. In Gods love, your friend tobby1 :sunny:
You poor thing. You deserve a good whine. I am so glad your hubby is OK.I know it can be hard when money is super tight, but it sounds like you are doing a great job with the resources you have. And children would much rather have your attention then all the money and things in the world. I know that to be a fact, my nieces and nephew love to be with their poor Auntie more then anyone in the world, even their rich Daddy who buys them anything they want. So keep up the great job and don't let anyone make you feel like your not doing a good job. In Gods love, your friend tobby1 :sunny:
Re: Terrible 2007, UPDATE
Just when you think things cant get much worse, the bottom falls out. It looks like for the forst time in my life, I am gonna have to miss a house payment, I sure hope the bank understands, but at this point in time, I am not to worried if they do or not. I have cut back on everything I can but this month is gonna be tough.My husbands hours at work have been cut back to 30 a week but are still odd hours so me getting a part time job is still not and option when you have to share a car. We hae put in some other appplications and hopefully one of them will come through or maybe his hours will come back up to at least 40 a week. If the weather (he works outside fueling aircraft) would cooperate, he would get back to 40 hour we would just barely meet our bills and that would be great. Living pay check to pay check is what 90% of us do any way and that is all I want. Hopefully next month will be better for us, I keep looking to the future but it looks bleak for so many of us. I realize I am not the only family out there like this and it seems that the government just doesnt care that we have to pay over $3 for gas, $4 for milk and other groceries. We as hard working people are now forced to chose between eating , gas or paying bills while the Fat cats worry if the get elected or re-eleted. Gee, what problems they have. I hope I don't sound too whinny, I am haing problems but so are so many other people and I dont know how we are all gonna make it, there seems to be no light at the end of the tunnel. Any way, I just need to whine , thanks for letting me.
Just when you think things cant get much worse, the bottom falls out. It looks like for the forst time in my life, I am gonna have to miss a house payment, I sure hope the bank understands, but at this point in time, I am not to worried if they do or not. I have cut back on everything I can but this month is gonna be tough.My husbands hours at work have been cut back to 30 a week but are still odd hours so me getting a part time job is still not and option when you have to share a car. We hae put in some other appplications and hopefully one of them will come through or maybe his hours will come back up to at least 40 a week. If the weather (he works outside fueling aircraft) would cooperate, he would get back to 40 hour we would just barely meet our bills and that would be great. Living pay check to pay check is what 90% of us do any way and that is all I want. Hopefully next month will be better for us, I keep looking to the future but it looks bleak for so many of us. I realize I am not the only family out there like this and it seems that the government just doesnt care that we have to pay over $3 for gas, $4 for milk and other groceries. We as hard working people are now forced to chose between eating , gas or paying bills while the Fat cats worry if the get elected or re-eleted. Gee, what problems they have. I hope I don't sound too whinny, I am haing problems but so are so many other people and I dont know how we are all gonna make it, there seems to be no light at the end of the tunnel. Any way, I just need to whine , thanks for letting me.
3mnkids1
New member
Re: Terrible 2007 UPDATE
I know whatcha mean. Its tough. Call the bank and see if they will put the payment to the end of the loan. call them. dont just skip it. They more than likely will work with ya. I hope your husbands hours pick up. We are in the same sitiuation. We have one car and my husband doesnt work a 9-5... he works until he is done so makes it a little difficult to find a job that will put up with that plus sick kid days, holidays..etc..... And grocerys. omg!!! feeding a family of five is very expensive. I shop alot at family dollar for household goods and for the kids snacks. it saves us alot of money. Things will get better.
I know whatcha mean. Its tough. Call the bank and see if they will put the payment to the end of the loan. call them. dont just skip it. They more than likely will work with ya. I hope your husbands hours pick up. We are in the same sitiuation. We have one car and my husband doesnt work a 9-5... he works until he is done so makes it a little difficult to find a job that will put up with that plus sick kid days, holidays..etc..... And grocerys. omg!!! feeding a family of five is very expensive. I shop alot at family dollar for household goods and for the kids snacks. it saves us alot of money. Things will get better.
Wolfie
Active member
Re: Terrible 2007 UPDATE
Honestly, this is probably the best time to have to miss a mortgage payment. With the new bills just passed by congress, you may be able to refinance for a lower rate, skip a payment... You want to stay in touch with your mortgage company. Let them know you need to skip the payment or make a 1/2 payment or whatever.
You are not alone right now. There are so many homeowners in your position that they have made a workout possible. But, the key is to communicate with your lender before your credit is affected.
Don't despair, just communicate. If more people communicated with their lenders, they would be better off.
I hope things work out for you soon.
Honestly, this is probably the best time to have to miss a mortgage payment. With the new bills just passed by congress, you may be able to refinance for a lower rate, skip a payment... You want to stay in touch with your mortgage company. Let them know you need to skip the payment or make a 1/2 payment or whatever.
You are not alone right now. There are so many homeowners in your position that they have made a workout possible. But, the key is to communicate with your lender before your credit is affected.
Don't despair, just communicate. If more people communicated with their lenders, they would be better off.
I hope things work out for you soon.
Re: Terrible 2007 UPDATE
I am so glad that ya'll told me to call and talk to the mortgage comp. i am gonna do that tomorrow. I am gonna try real hard to make the payment if there is anyway possible but I dont see a way to do it (YET). I still have hope, though, I do keep a positive outlook because otherwise things wold just make me wanna give up and I figure life is just way to short to sweat the small stuff and this is just still one of the small things in the grander scheme of life. THANK YOU EVERYONE FOR ALL THE SUPPORT.
I am so glad that ya'll told me to call and talk to the mortgage comp. i am gonna do that tomorrow. I am gonna try real hard to make the payment if there is anyway possible but I dont see a way to do it (YET). I still have hope, though, I do keep a positive outlook because otherwise things wold just make me wanna give up and I figure life is just way to short to sweat the small stuff and this is just still one of the small things in the grander scheme of life. THANK YOU EVERYONE FOR ALL THE SUPPORT.
Re: Terrible 2007 UPDATE
:sunny: Wolfie's advise is right on! If you make no effort in staying in contact with them, they know you aren't going to make any effort to make a payment. Always call a creditor before they call you, most creditors are willing to work with you, especially when you are making an effort.
You're doing a great job of hanging in and keeping it all together instead of totally giving up. Be proud of yourself!
:cheers:
:sunny: Wolfie's advise is right on! If you make no effort in staying in contact with them, they know you aren't going to make any effort to make a payment. Always call a creditor before they call you, most creditors are willing to work with you, especially when you are making an effort.
You're doing a great job of hanging in and keeping it all together instead of totally giving up. Be proud of yourself!
:cheers:
Re: Terrible 2007 UPDATE
Ok well new update, called my mortgage company today to ask about adding a payment to the end of my loan and I am not able to do that. Apparently they have never recieved the reaffermation letter from my lawyer, I would have gotten mad at them but the company that has the loan on my car also has never recieved their letter either. I am now waiting on a call from my lawyer, the only way now to get the reaffermation letters to those companies is to reopen my case. My case was discharged in October and it seems like some one has dropped the ball and this time it wasnt me. Boy is my lawyer gonna get an earfull when I do finally hear from him. The only upside right now is that I dont get charged late fees, of course that doesnt help if you are having trouble coming up with the money anyway. I think I will figure out a way to do it, Do you think EBAY will let me sell a kidney?? LOL just kidding, my husband might need his.LOL. Thanks for all the support and advice ya'll have given me.
Ok well new update, called my mortgage company today to ask about adding a payment to the end of my loan and I am not able to do that. Apparently they have never recieved the reaffermation letter from my lawyer, I would have gotten mad at them but the company that has the loan on my car also has never recieved their letter either. I am now waiting on a call from my lawyer, the only way now to get the reaffermation letters to those companies is to reopen my case. My case was discharged in October and it seems like some one has dropped the ball and this time it wasnt me. Boy is my lawyer gonna get an earfull when I do finally hear from him. The only upside right now is that I dont get charged late fees, of course that doesnt help if you are having trouble coming up with the money anyway. I think I will figure out a way to do it, Do you think EBAY will let me sell a kidney?? LOL just kidding, my husband might need his.LOL. Thanks for all the support and advice ya'll have given me.