Our superintendent knocked on our door and handed me an eviction notice this evening. I nearly passed out after reading it, went into a panic, now I'm just numb.
My hours have been greatly reduced over the last several months and I haven't had any luck picking up additional work. Rent has been late 3 times and the notice was for "persistent late payment". I'm going to call the landlord tomorrow to see if there is any way we can prevent the eviction. We have lived here for over 10 years and have always paid our rent, so I'm hoping this was a scare tactic to ensure future prompt payment. I completely understand where they are coming from and don't blame them. We just have nowhere to go and no money for first and last. I am so afraid we will be on the street, I feel sick.
Things have really come to a head over the last couple of weeks, with payments being late, and my job search has been frantic recently. I've been scraping for grocery and gas money for our family of four. Part of my job requires the use of the car, so I can't even park the vehicle and bus it. I don't think we qualify for any type of assistance as on paper our income is too high. I've even resorted to a couple of small payday loans recently to buy groceries - I know, the worst thing I could do, but I had to feed the family. We have nothing of value left to sell.
Over the last several years our debt has gotten out of control - my husband was laid off, then on strike, then laid off again, then I was off sick for 4 months. It's been one hit after another, and we never get time to recover in between. I am trying to find help with my resume because I am not getting any calls - I am a health professional and have applied for EVERYTHING I can, from jobs in my field to telemarketing and housecleaning. I am currently delivering papers to supplement but it isn't even making a dent. At my job I'm getting anywhere from 6 to 20 hours per week - nowhere near enough.
The worst part of this is that I have always looked after the money and was really trying to shield my husband from the stress of this, so he was kind of blindsided by the whole thing tonight. From now on we will be looking after the money together.
I am just terrified of what will happen to us.
As far as cost cutting, there isn't alot that could go. We had two cars and got rid of one. No smoking, drinking, dining out, take-out, etc. I cook 7 nights a week, and I'm in Canada and find it extrememly difficult to save on food, but I do what I can. Hubby needs internet and cell for his work, I need home phone/fax for mine. Basic cable is our only real entertainment , but it could go. I buy thrift store clothes when necessary, daughter buys her own, son's come out of child support and hubby rarely feels the need to buy clothes. We have about $31000 in debt including our car loan, credit cards, overdraft, loan from my parents, etc. This is down from about $40K 2 years ago.
My daughter is in college full time and working part time, son has a disability and is in high school.
I know I need to increase my income to correct this problem, but the immediate concern is this eviction. Need some prayers that the property management co. will let us stay! I feel sick...
Thanks for listening to me vent, and any helpful words would be appreciated.
My hours have been greatly reduced over the last several months and I haven't had any luck picking up additional work. Rent has been late 3 times and the notice was for "persistent late payment". I'm going to call the landlord tomorrow to see if there is any way we can prevent the eviction. We have lived here for over 10 years and have always paid our rent, so I'm hoping this was a scare tactic to ensure future prompt payment. I completely understand where they are coming from and don't blame them. We just have nowhere to go and no money for first and last. I am so afraid we will be on the street, I feel sick.
Things have really come to a head over the last couple of weeks, with payments being late, and my job search has been frantic recently. I've been scraping for grocery and gas money for our family of four. Part of my job requires the use of the car, so I can't even park the vehicle and bus it. I don't think we qualify for any type of assistance as on paper our income is too high. I've even resorted to a couple of small payday loans recently to buy groceries - I know, the worst thing I could do, but I had to feed the family. We have nothing of value left to sell.
Over the last several years our debt has gotten out of control - my husband was laid off, then on strike, then laid off again, then I was off sick for 4 months. It's been one hit after another, and we never get time to recover in between. I am trying to find help with my resume because I am not getting any calls - I am a health professional and have applied for EVERYTHING I can, from jobs in my field to telemarketing and housecleaning. I am currently delivering papers to supplement but it isn't even making a dent. At my job I'm getting anywhere from 6 to 20 hours per week - nowhere near enough.
The worst part of this is that I have always looked after the money and was really trying to shield my husband from the stress of this, so he was kind of blindsided by the whole thing tonight. From now on we will be looking after the money together.
I am just terrified of what will happen to us.
As far as cost cutting, there isn't alot that could go. We had two cars and got rid of one. No smoking, drinking, dining out, take-out, etc. I cook 7 nights a week, and I'm in Canada and find it extrememly difficult to save on food, but I do what I can. Hubby needs internet and cell for his work, I need home phone/fax for mine. Basic cable is our only real entertainment , but it could go. I buy thrift store clothes when necessary, daughter buys her own, son's come out of child support and hubby rarely feels the need to buy clothes. We have about $31000 in debt including our car loan, credit cards, overdraft, loan from my parents, etc. This is down from about $40K 2 years ago.
My daughter is in college full time and working part time, son has a disability and is in high school.
I know I need to increase my income to correct this problem, but the immediate concern is this eviction. Need some prayers that the property management co. will let us stay! I feel sick...
Thanks for listening to me vent, and any helpful words would be appreciated.