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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.


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 (31-40):
by on Dec. 4, 2012 at 12:20 AM
Quoting D.O.E.:

Shitty. Hope things work out for you and your family...
by on Dec. 4, 2012 at 12:21 AM

well like i said to dh, these type of things can make or break a marriage, how you deal with it determines what happens in the end. but you HAVE TO deal with it.

Quoting OrientalLily:

Quoting D.O.E.:

Shitty. Hope things work out for you and your family...

by on Dec. 4, 2012 at 12:23 AM
How many kids do you have?
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by on Dec. 4, 2012 at 12:30 AM
3 moms liked this
I think you and your husband need to take a money managing and finance class together. Tons of terrible financial decisions being made back to back to back.
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by Silver Member on Dec. 4, 2012 at 12:30 AM
I feel for you, hope things start looking up
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by on Dec. 4, 2012 at 12:37 AM
Quoting D.O.E.:

True. So, are you guys making, or breaking?
by on Dec. 4, 2012 at 4:19 AM
3 moms liked this

sounds like it was a perfect time to buy a home, eh?  and your altruistic motivation for taking in foster children is awesome. oh, wait, it's only financially beneficial.

by on Dec. 4, 2012 at 4:48 AM
1 mom liked this
wow. you must have your head in the sand. how on earth could your finances be so bad and yourr completely unaware until your cards are both declined on the same day.

I do wish you all the best. good luck!
by on Dec. 4, 2012 at 5:01 AM
You pay over $600 per vehicle a month?! How is that even possible? Time to downgrade? We have a $38,000 ford truck and pay $480 for it and a 2010 mustang convertible I pay $200 monthly. We have 3 vehicles (one is paid off) all full coverage for $188 a month plus we are only 23 and 25 years old. Don't mean to sound hateful but you seriously need to get a grasp on your finances and should start with the cars and credit cards. You pay more monthly in your credit card debt than we do for our mortgage.
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by on Dec. 4, 2012 at 5:22 AM
I thought things were easier and better to get in Canada? like govt help.
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