I need to get out of this hole

@dfollin (24167)
United States
June 29, 2007 7:30am CST
I was a single parent and it was not financially easy,considering I got no child support,then I became partially,permantly handicapped.Then I met my husband and he was trying to help me out of my credit negative marks.We were not rich,but we were trying.Then he got sick and could not work and needed my help at home.Then he died,my credit got worse and everytime I think Iamdoing something to get out of this hole and make a life for me and my young daughter it get's worse.Any suggestions?What would you do?
3 people like this
8 responses
@Darkwing (21583)
29 Jun 07
I think you could do with some financial advice as to clearing your debts at a lower cost than you're experiencing now. There are companies who will help you with this, but you must never be afraid to ask for help, or you will just get deeper and deeper. You don't say how old your children are, or whether they have left home, whether they can support you to an extent, or whether you're receiving disability allowances. I would think all that needs to be taken into account, together with any rent or mortgage payments you are making on the house, your assets and your outgoings too. I know it seems like a lot of work, but I'm sure you will benefit in the end, and there's always a way round life's obstacles. Brightest Blessings... I hope this helps you and that you become debt free in the forseeable future. You deserve it after the struggle you've had.
@dfollin (24167)
• United States
29 Jun 07
My oldest son is going to be twenty-seven next month and he lives with my mom and does not have much money.He just had to buy a new,used car.My youngest son is twenty- three and in renting my basement.He got a new job after he moved in here.I covered the rent for him till he got paid and he is now making more money and won't pay more rent.He is getting ready to go thru a custody and support for his infant daughter.He had to buy new furniture,and other household things and a new,used car also because his ex girlfriend took everything including things that did not belong to her.My youngest is a daughter,who is ten and Iam partially permanantly handicapped.
1 person likes this
@dfollin (24167)
• United States
29 Jun 07
Also,thanks for telling me about the credit restoral.I have got in touch with five of those agencies and they all said that they could not help me because I do not earn enough money to barely survive with my daily needs,rent,utilities,food,basic's now,more or less to pay other payments.
@Darkwing (21583)
29 Jun 07
Good grief! You have a harsh time of it to be sure, but I'm sure there's somebody out there, somewhere, who can help you. Good luck with this anyway. I'm not sure what else to suggest to you, but I really hope you find a way out of this. Brightest Blessings.
@RobinJ (2501)
• Canada
29 Jun 07
Oh my goodness, Every once in a while I feel a bit sorry for myself and then I come across someone that is far far worse off than I am. I can understand your situation as I live on a disability pension, and believe me it doesn't cover very much.and as for making ends meet, Well maybe if I quite eating, but may I suggest that you get in touch with every person, group, business, that helps people in you position. I would write up a draft letter, explain your situation, relate how it is affecting you personally, tell them what you are doing, as well what you have done. Then appeal for any help in any way to improve your situation. Do not down play, exaggerate or blame. Be honest and forthright. Send a copy of this letter to every person, group, government rep,or any one who might be of assistance. I would also ask at the bottom of the letter that you are also asking for guidance and information, as well as physical help. You may be very surprised at the amount of information with regards to grants, low interest loans etc that you because of your position has access to. The idea is to get these people to help you not because you are a single mom, handicapped, a widow, or even poor, but because YOU ARE TRYING to help your self. I do not, from your post believe that you are looking for a hand out, rather a hand up, and that is what will get you what you need. I do wish you well and please take care of your self.
@syndibee (799)
• United States
29 Jun 07
robinj this is absolutely wonderful advice. i don't think i could add to it at all.
@thefuture (1749)
• Nigeria
30 Jun 07
Oh no friend. Am so sorry that I can't help you at the moment, but there's one who can help and give you happiness again. You just need to lift up your eyes and as for His help. Am very sure he will wipe away your tears. His Name is Jesus. He came to give you and me happiness, joy, evalasting life and so much more. He is always ready to help those who come patiently to Him. His Name is Jesus. Please do not take it as a joke. Call upon him today and I assure you, He will hear your cry and come to your aid. God bless you.
@wachit14 (3595)
• United States
29 Jun 07
The best thing you can do is get some debt counseling. You need an experienced and objective third party to help you not only pay off your debt, but to also show you how you can possibly start saving some money. Good luck!
@dfollin (24167)
• United States
30 Jun 07
Thanks,see my posts in this discussion.Debt counceling won't work for me till I can get my income larger.
• Philippines
29 Jun 07
i dont know what to say actually! but i feel compassion for you! i'll say a prayer for you tonight! i hope there'll be divine intervention and show you and guide you what to do! god bless you!
@dfollin (24167)
• United States
29 Jun 07
Thanks,I will say a prayer for you too.
@maybel13 (205)
• Philippines
29 Jun 07
Just always pray. You try to talk to God. In that situation, GOd is the only one who can get you out of that hole.. Just trust him.. Don't you have any family member? How about your parents? Or your brothers and sisters? Don't you have any friends that could help you or at least give you advise just to lessen your burden? Well, I just hope you'll be okay as soon as possible. Just don't worry. God will never give a problem that we cannot solve. Don't lose hope.
• United States
30 Jun 07
Oh my gosh! You have had such a rough life. I am so sorry for the loss of your wonderful husband! I know the struggles single mothers can go through, and financial one's are def. the biggest! But never give up hope! It's a great thing to have for you and your daughter! Did you guys have life insurance on your husband? Do you have any health insurance to help with your handicap? Maybe you can find a good job working from home. I don't have a lot of knowledge in that area, but I have heard a lot about 'working from home' deals. Or do you think you can get a loan from your bank at all? Or even, do you have any family/friends that would be able to lend their support to you and your daughter?
@rupee1 (38)
• Pakistan
30 Jun 07
Oh thats quite sad.. well life is like that.. you cant expect the time to be good always.. but here they say that God puts hard times only on those who have strength to surpass it.. i m sure you are strong enough to get through this.. best wishes, n lets hope for the best