winter

winter

Sunday, February 21, 2010

Ramblings.

It's been bothering me for a little while now, this whole business with the stack of bills being bigger then the amount of money we have coming in. I think that I need to do something to bring some form of money into the house but I don't know what to do. I am debating hopping back on to Keen and giving all of that another try. I'm also considering looking into something like medical billing or something else similar. It's hard because I'm petrified of the idea that I'm going to do something wrong and make a difficult situation even worse.

We can't pay our bills on Beloved's income. There's no way around it. We've been doing everything we can, but there's no way we can keep this up. Something is going to have to be sacrificed and I don't know what we can sacrifice. I don't know how we're going to pay for my counseling but I have to admit that I need it now. I've been trying to get by with out it but it's just hit that point where I need to work with somebody. I need to figure out what we're going to do for a babysitter when I have my sessions. I know that I can't go to any of my side of the family because the people in any other family that wasn't as fucked up as mine... well, I've got my Aunt and my brother's soon to be ex-wife for support there and that's it.

Sure, the rest of them can pay lip service to how they care and stuff but they haven't been around and it's just not going to happen with my parents. My grandparents, as much as they'd like to, simply are not going to be able to do so. My grandfather has his hands full just caring for my grandmother as the Alzheimer's robs her of her sanity. I can't ask him to mind two little boys on top of that. Alzheimer's does funny things to the brain and everybody recognizes that it's safest for everyone involved to have my grandmother supervised when around small children. Not because she's a dangerous person but because she's been forgetful to the point of nearly burning herself in the middle of cooking dinner.

Beloved's family is a lot like mine in that respect also. Theoretically, we could call on his sister or his brother, but life is getting in the way there. Schedules are crazy and rarely do they match up enough for us to get together for something planned. We've called on his parents quite a bit for help. But life has been throwing them curve balls too, so I don't know what we're going to do. I'm considering talking to the neighbor next door to see if they can watch the boys for a little bit.

Beloved kinda snarls at the prospect of the teenagers over there watching them and says that they're not responsible enough. I don't think he realizes that we're pretty much out of other options here. It's that or nothing.

I'm worried. We don't have enough money and we've got a pile of bills that need paid. Rent is going to be due for next month soon and there's no way we can pay it along with everything else. We've got the power bill that hasn't been paid for two months, the car payment that is in the same position, and I don't even know what's going on with the health insurance. He has been declared in default on his student loans and I'm in danger of the same with mine. We simply can't pay them. We'd love to but we just don't have the money.

Unlike other people, we don't have a pile of credit card bills as the source of our problems. It's instead the everyday bills like the cost of doing laundry, groceries, and various other things. I'm terrified that we're going to actually owe money on our taxes this year. I can't shake the terrible feeling that he's going to be laid off again in the near future. While his boss gets to sit on his ass and bitch and moan about things while he fucks around with stupid shit and pet projects, we're going to be scrambling to find where we can cut more out of our budget to pay for groceries and diapers. And the god damn state will still tell us that we don't qualify for financial assistance because he's a few hundred dollars over the line for anything.

But, I look around and I see other people who aren't doing their damnedest to try and keep going basically getting rewarded for not doing shit. I've got neighbors who spend almost as much on beer and hard liquor for a weekend as we do for a car payment. They sit there and moan about how expensive everything is, while their heating bills are paid by somebody else, their groceries are paid for by WIC or food stamps, and their rent is subsidized. I don't have a problem with welfare but the system is broken. When you're told to get fired from your job to get more assistance, that's a sign that something is seriously wrong.

But what can I do about it? My vote doesn't change things. My efforts to remain independent and make things work without assistance (because I'm told that I don't qualify due to a technicality) get me nowhere. We have no savings because each major crisis that came along has eaten everything we've tried to save. We tried to put all the money that people had given us as gifts for the boys aside, but that has been eaten as well. We're down to 40 dollars in our emergency fund.

I don't know if we should pull the money out of the 401K or not. It would only be a temporary solution anyways because we've got enough debt hanging over our heads that it'd be gone in a few weeks if we started doing what we could to make the bills go away. We're coming up fast on a crisis point and I don't know what we can do about it. That terrifies me. I remember not having enough money to buy food and Mom foraging for stuff we can eat from the woods. I remember not having enough money to get new clothes for school.

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