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found out the sex of the baby today!!! also discovered just how bad our finances are...**edit**

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so. had to go in to see my doctor today, had an ultrasound on fri, went to use dh's credit card to get gas, declined. thank god i went in to pay first, and thank god for small town business owners who know you. old man ackland filled my car and told me to pay him back later today, dh is in saskatoon so i was planning on getting some cash from him. 

on drive in to stoon i talked to my friend wes's mom who lives in town, she told me she would love to watch ds, and refused what i have been paying $120/wk, and said she would for $50/wk. so  phew that was one less worry. my sister R is staying at moms, and not coming out as previously planned. another less worry. 

but i have been in pain in my lower pelvic area for about a week now, and by the time we reached the city every bump in the road made me want to cry, it hurt so bad. get to the doctors, waddle in and had a chat with my doctor, he told me the ultrasound showed A BOY! ( i KNEW it!) and that my placenta is attached to the frontal wall of my uterus, just above my pelvic boney area, another wards, where it has been hurting. 

so he put me on sick leave, recommended i quit my employment asap, and made me a copy for boss and a copy for EI. huge reliefe, because i am honestly just so worn out it isn't funny.

anyways; went to meet DH at the A&W, ordered some food go to pay with debit "declined" moment of horror. we quickly cancel our order and leave, go back to the hotel where dh is staying while he is taking this week long course for his job. 

neither of us have ANY money until we get paid next friday. both of our accounts are at their line of credit limit, mine is -500 his is -1000. none of the credit cards are any good.


at this point i am stunned, just, stunned. we have never gotten to this point before. ended up having a very difficult discussion with him, made him call credit consolidation, and even brought up bankruptcy.

even though we are facing a small crisis, his response is "well what do you want me to do about it?" my god. i hate that answer. laoth it. it puts the responsability of figuring out a solution completely on me. 

my sister ended up emailing me $100 and i gave dh 50, kept 50 for gas, and headed home.

how am i supposed to be able to take sick leave without feeling like everything will fall apart? seriously worried about our future. dh has to take jan and feb off for schooling, at which time he will ALSO be on EI, which slashes out monthly income even more. 

65% of our income goes straight to paying down debt, about $800/mo goes to CREDIT CARDS. seriously? ugh! and $1500/mo for our cars ( which we need, and we owe more than they would sell for) $750/mo mortgage and insurance.  household bills about $600 mo. never mind gas and groceries. 

i left him in stoon feeling like the world is falling out under my feet in slow motion


then half hour ago he calls and tells me he reckons he can sell off the cattle he has and borrow from his parents or some fuckin thing, to pay off all the credit cards, then just pay his parents monthly. 

ok fine. he doesn't want to consolidate because it will ruin our credit. 

i'm just. i dont even know what to think right now.

**edit**

ok a few things; 1) turns out a few payments came out later than we expected, after we had gone grocery and christmas shopping, which is why his balance was zero. we were broke for about 4 days.

2) dh turned around and took out $ from a school trust fund for him, and payed off the credit cards. thank god we no longer have to worry about those, however he will be putting $ back into the trust fund monthly.

3) my doc put me on sick leave, worry about my placenta tearing away from the uerus or rupturing, i am now on EI, and will be able to start taking classes for my youth care worker cert in Feb. 

4) we won't be doing foster care, lol. that was a hair brained idea. and a not so good one *i can admit when i am wrong*

5) everything is going to be FINE. 

by on Dec. 3, 2012 at 10:58 PM
Replies (21-30):
D.O.E.
by on Dec. 3, 2012 at 11:58 PM

mhmm.....thats 1 suv, 1 car and their monthly insurance.

Quoting VintageWife:

Oh wow, those car payments are INSANE!


Ollie123
by on Dec. 4, 2012 at 12:03 AM

So are you having a boy or girl?

sorry you are in a rough patch but sounds like you and your husband will get it figured out. Just take care of yourself.

D.O.E.
by on Dec. 4, 2012 at 12:04 AM
1 mom liked this

another smelly little boy :)  preston scott

Quoting Ollie123:

So are you having a boy or girl?

sorry you are in a rough patch but sounds like you and your husband will get it figured out. Just take care of yourself.


JanuaryBaby06
by on Dec. 4, 2012 at 12:05 AM
1 mom liked this

1500 a month for the cars? for 2? maybe trade one or both in for something cheaper. we pay 2 11for car loan and like 112 for full insurence and then $50 every 2 weeks on gas. so thats.... 423 a month on the car (its a 2009 sentra and we are going to finish paying on it a year early!). maybe get liability coverage. cut down on driving if you dont have to.. dont go  to the mall or anywhere to just browse. make lists before grocery shopping & make a meal plan. maybe considering cancelling things like cable. also maybe keep the heat low and bundle everybody up to cut costs there.

Ollie123
by on Dec. 4, 2012 at 12:07 AM
1 mom liked this

Well congrats! And I love the name.

D.O.E.
by on Dec. 4, 2012 at 12:09 AM

i am sure the interest is like 16% or something crazy, so he pays interest plus principle, and our insurance is provincial and it is about $100 per car, and we live in the middle of no where so driving to a mall or something just to browse never happens anyways. if i could figure out how trade mine in and get a better rate, and 7 psgr i would but i am scared to even make $1,000 more debt. even if payments are lower

Quoting JanuaryBaby06

1500 a month for the cars? for 2? maybe trade one or both in for something cheaper. we pay 2 11for car loan and like 112 for full insurence and then $50 every 2 weeks on gas. so thats.... 423 a month on the car (its a 2009 sentra and we are going to finish paying on it a year early!). maybe get liability coverage. cut down on driving if you dont have to.. dont go  to the mall or anywhere to just browse. make lists before grocery shoping,


OrientalLily
by on Dec. 4, 2012 at 12:11 AM
Quoting D.O.E.:



Well, I hope that plan works because right now if you and your dh are both on EI, you will bring in 55% of your current income. But you said in the op that your bills account for 65% of your income, therefore, you will be 10% in the red.
You are in a situation that I do not envy. Your dh doesn't want to ruin his credit, but you may not have a choice.
And you said your dh has a "school fund". Any money you can use from that?
JanuaryBaby06
by on Dec. 4, 2012 at 12:11 AM

could yous get on foodstamps, and get the money for utilities, section 8 or whatever?

D.O.E.
by on Dec. 4, 2012 at 12:16 AM

i have another paycheque on fri, and so does he, then he will have one more pay period before school starts for that 2 months, then be right back to work. 

i will figure out how to make it work.

i dont really know what school fund he was talking about but it has something to do with cows.

Quoting OrientalLily:

Quoting D.O.E.:



Well, I hope that plan works because right now if you and your dh are both on EI, you will bring in 55% of your current income. But you said in the op that your bills account for 65% of your income, therefore, you will be 10% in the red.
You are in a situation that I do not envy. Your dh doesn't want to ruin his credit, but you may not have a choice.
And you said your dh has a "school fund". Any money you can use from that?


D.O.E.
by on Dec. 4, 2012 at 12:17 AM

we might be eligable for low income assistance while we are on EI for that two months, i can go to a foodbank anytime i want i just need my healthcards. we have lots of food though.

Quoting JanuaryBaby06:

could yous get on foodstamps, and get the money for utilities, section 8 or whatever?


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