I am so scared...

**dolphin** · 05-22-2008, 08:35 PM

Is anybody else afraid of their future?

I'm disabled and my check that I've been recieving since I was 47 years old (now 52) only covers the mortgage payment. We even set up our repayment plan with the mortgage company to correspond to my Social Security Disability check because it's the ONLY guaranteed income that we have.

Dh is an electrician now after having to make a career change 4 years ago. There were 5 companies in our town even 2 years ago. Now there are only 3 and dh is working for the best of them and that's not saying much.

Dh didn't get to work today and just now he got a call that he has no work until Tuesday. (Sigh) That's a loss of 3 days pay and dh is so depressed he can hardly speak. I'm just traumatized.

If dh works 3 days he is not eligible for unemployment by just a few dollars so I guess that is good that he is still employed but I'm so concerned about the what if's. What if they don't have work for him next week?

You can only sell so much of your personal items and you can only be frugal in so many areas before there is no end to it all.

Lordy, what do we do?

**Michelle68** · 05-22-2008, 09:10 PM

Sending lots of hugs

your way. I'm sorry you're having to worry about things because everything is so difficult and uncertain right now. Keep the faith and hang in there. You've been through some difficult times and you and your DH are going to get through this. You are a strong, frugal woman. Keeping you in my thoughts and prayers.

--Michelle

**alarosalpn** · 05-22-2008, 09:26 PM

Here's a hug for you! I can't give you much advice giving the predicament I'm in but I can give you a hug.

**dolphin** · 05-22-2008, 09:40 PM

Oh thank you and God Bless you for your concern. I'm in tears now trying to figure out how we are going to make it.

So much is said in the forums about how when you cause a bill that you owe it and you should pay it immediately but how in the world do you pay it when one of you is incapacitated and the other is stopped by the economy.

Dh has not even been offered health insurance for over 10 years by a company. I only have it because I'm disabled. Dh had a mini stroke 2 years ago and that bill was over $20,000.00. How do you recoup from such a thing when my whole check only covers the mortgage and I still have to pay over $200.00 a month for my medications? It's just not possible.

**mom2matty** · 05-22-2008, 09:46 PM

Sending good thoughts and prayers that everything works out for you!

**forHISglory** · 05-22-2008, 09:47 PM

I am so sorry. I can't imagine what you must be feeling. As long as you can, just unload on this site, and know that you are among those who care.

**frugalfriend** · 05-22-2008, 09:50 PM

Carolyn, I'm so sorry for the situation you're in!

I just want you to know that you will be in my prayers for something to change SOON! I know someone who lives in your town, it IS small! I wish you could move to a bigger city where there is more job opportunity for your dh, but I know that is a huge undertaking. Sending you a big hug

and wanted to let you know we all care for you. God bless you & please keep us posted on how you are doing.

**sunshine** · 05-22-2008, 09:53 PM

Any chance of refinancing your mortgage to get a lower payment?, or selling and getting a less expensive place?

I'm sorry you're having to deal with this.

**Frugal Nurse** · 05-22-2008, 09:55 PM

I'm really sorry that you're having such a rough time of it.

If there's anything we can do.... ask.
It seems like you've been around a long time. On the board I mean! A real long time. So I don't think people would NOT help you out. KWIM?

That is sad that after all the hard work you've done in your life, bought a home etc, did the best you could- didn't cause a stitch of trouble in this world.... and still things are so rough.

I always believe there is a reason for things to be the way they are.
I wonder what your reason is... I can't wait for you to find that out.
You'll be really happy and say... 'NOW I know why that happened the way that it did! ~ someone on the board said something about that.... now who was that.........."

**Palooka** · 05-22-2008, 10:04 PM

Originally Posted by dolphin

Oh thank you and God Bless you for your concern. I'm in tears now trying to figure out how we are going to make it.

So much is said in the forums about how when you cause a bill that you owe it and you should pay it immediately but how in the world do you pay it when one of you is incapacitated and the other is stopped by the economy.

Dh has not even been offered health insurance for over 10 years by a company. I only have it because I'm disabled. Dh had a mini stroke 2 years ago and that bill was over $20,000.00. How do you recoup from such a thing when my whole check only covers the mortgage and I still have to pay over $200.00 a month for my medications? It's just not possible.

And this is exactly what is so messed up about our system here.

Trust me when I say we are in a very bad mess at the moment and it wasn't even our fault. I hear ya. Crazy, crazy times.

Yes, I spend my nights worrying about what if's.

Now for a postive note. There is an old saying that 90 something % of what people worry about, never come to pass. I found this has been true in my life.

Hang in there. *hug*

**bumplett** · 05-22-2008, 10:12 PM

I don't have anything new or exciting or interesting to add, I just wanted to send you a hug.

:bighug:

**dolphin** · 05-22-2008, 10:49 PM

Thank you so very much for the hugs.

Yes, I have been here since 2002 when Sara started her original website. She has come a long way with this website. It's the best thing that ever happend to me because I was finally connected to the world.

Yes it is a small town outside of Las Vegas. We are nearly 75 miles one way from there. Even our mortage payment of $914.00 a month is a little less than the 1200.00 a month in Vegas to rent a decent apartment. Even the smaller house across the street from us is renting for $1000.00 a month so we are better off trying to stay where we are. We thought of moving there but the homes are even higher than here. We have many friends and neighbors who work there and they are also experienceing time off from work and they are Union employees so nothing is gauranteed.

I can't refinance. I wish we could but it's not possible due to our being on a repayment plan with our mortgage company. Even though we are paying on time, we are still considerd late. To catch up we would have to pay well over $3000.00 in attorney and late fees. (sigh)

You are a strong, frugal woman.

Thank you so much for reminding me of what I TRUELY am. Sometimes it takes someone else to slap you in the face and say, you are better than what you think you are and by golly, I AM a STRONG and I am FRUGAL woman. I WILL keep this home and family going no matter what and I will not give up!

Thank you all again. I don't think there really is anything anyone can do for me right now except express your wonderful encouragement to keep me going strong through these times when I feel so faint of heart.

God Bless you ALL!

Carolyn

**jamie79** · 05-22-2008, 10:54 PM

First I want to send you hugs and then ask a ??? Are you eligable for any type of assistance? If you can get it I think you should

**Odilia** · 05-22-2008, 11:09 PM

Have you tried calling the drug companies that manufacture your prescription meds? Every major pharmaceutical (can't spell that word!) company has programs to help people in need get their meds at reduced prices or even free -- it's great public relations for those companies.

**FrugalWitch** · 05-22-2008, 11:15 PM

I am so sorry that you are going through this. I know the stress must be taking a toll on you and your husband as well. Sending you a big hug and lighting a candle for you.