so stressed.
ready to financially go back to work. when we were in hosp having baby our car broke down the transmission went out. it was our only vehicle with heat. so hubby brought our suv up to hosp and towed the car home. his mom had to bring us home because it was cold out. now hubby ordered the parts that broke on the heater in the suv and it still doesnt work! that means baby and our toddler cant go anywhere. holidays are coming, my dad has lung cancer and wants to see them and we can't take them anywhere. we are so broke and stressed idk what to do. we cant afford to trade off the car (around here they just junk most cars traded in) and take on a car payment right now. I'm so stressed. like when I go back to work idk how im going to get back and forth with 1 vehicle. it really sucks! ugh. idk what to do. gonna have to talk to my mom and see if we can borrow her van until who knows when but its messing up too suspension wise. when something gets fixed or resolved something else fucking happens. none of his family cares because they all have brand new cars (3yrs or newer) and we are stuck with ours because we cant afford anything. we work our asses off for nothing! im to the point of getting a 2nd job just to try to get ahead. when im released for work... everyone tells us to use our tax return to get a new car but when you have $6000+ in debt no one is going to give us a car loan right now or by February. we are trying so hard to get ahead but we keep falling behind. we have tried a debt consolidation loan but hubby makes $100 to little to get what we need. i have no credit so they wont even let me cosign for it. right now we are paying $400+/month just on debt and all it covers is just the interest barely. so the next month its maxed out again. idk what to do im so lost and upset. on top of holidays coming idk how we are going to do anything for Christmas for our 3 yr old. the baby not so much hes gonna be 2 months old. I'm just depressed and stressed.
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idk what salvation army will do for us the ones around here usually help with food and clothing that i know of. on top of that my mom keeps trying to get us to move closer to the town I work in cuz its closer to his work too but where we are now we pay $400/month for lot rent water and light's. thats not even rent in that town. she hounds me about it. where hubby works if he is to take on a second job he has to make the job he has priority over any other job it's just how it is with them. must be made primary employer. he work 10pm-7am 5/6 days a week and makes over min wage but everytime we try to get ahead something sets us back big time.like the whole reason we have so much debt Is the vehicles breaking down. everyone in our family says to trade in but we just cant take on a car payment on top of 400/rent and 400/debt then household expenses (food, children, etc) they all have life handed to them. my SIL gets $2500/month in death benefits for 2 of her children's father. then gets child support on her oldest (500+/month) and then she works 1200/2wks and her hubby makes 1000/wk but we are lucky to make 1000/month. she throws it in our faces that she got a brand new this or that and asks why we are so broke. idk I'm just at my breaking point. idk what to do, no one understands how we feel. we break down to each other but we cant help but feel like we are failing our children no matter how hard we try.
do you have a salvation army near you? they are amazing
i had a car loan last October that I had been reposessed and it shows up on mine and it keeps me from getting help. they say i have not enough credit history to help cosign a debt consolidation loan. we dint have the finances to afford a car payment until god knows when. im just so fed up with life.