I'm a single Mom to a wonderful Daughter. We have been the only one each other has for a long time. We both are collecting S.S. Disability. Which isn't much at all. We have never had a good life. I worked so hard getting good credit again. It took a long time. Then I had too much credit and I charged to much. I was keeping up with the payments pretty good.
Then we were told that we had to move. In a way I was really happy that we had to move, but I knew we really couldn't afford any higher rent. We were paying $415 a month there. We looked real hard to find something that we could afford. We found a Wonderful place and we pay $650 a month and that's even on the cheaper side here. Rent is real high here. And we absolutely love living here. The old place was a wreck! The septic tank was always backing up into our backyard and our bathtub. The place was full of black Mold. My daughter has Asthma and it affected her breathing. The kitchen cupboards were falling off the wall so I had to keep everything in boxes in the middle of our living room. We had so many mice that we couldn't get rid of. and they were in all the boxes. The bathroom floor was caving in and the house was sinking in, in the middle of the house. They were suppose to put jack stands under the house before we moved in. We lived there 6 years and nothing was ever fixed for us. We heard gun shots every night! I was so scared when night time came. I wouldn't answer the door after dark. There were 3 murders on our street in the last 3 years. We also had to move because the Landlady's daughter wanted to move in there. Which she did. I heard that they remodeled the bathroom and the kitchen. We had to move and this was one of the cheapest places that we found. We just Love this house and the neighbors! And our landlord is the Greatest! It's the Best place I've ever lived in. We are so Happy living here.
But now our rent is $235 more a month and we are having problems paying the bills. I get so many phone calls Everyday from Bill Collectors wanting their money. I don't know what to tell them. I have no answers for them. So I usually don't even answer the phone. I just want it to stop ringing everyday. I am so stressed out and I'm a Nervous wreck. Because of the financial mess that I'm in. I don't see a way out. From all the stress and all I have been picking and digging at my skin. Due to my nerves. I pick at my face, arms, legs all over. I'm a mass of open sores that really hurt sometimes. People look at me so funny because of all my sores. I am scared for life, And with all my stress I can't even stop picking and digging. Believe me I have tried.
After being without a car for 5 years, I was given one a couple of months ago. It's a 1998 Ford Escort. It feels so good to have a car again. I feel free and not like I'm in prison anymore. But, now I have $54 a month insurance I have to pay. I don't drive alot or go away alot so gas isn't that bad for the price that it is. My car broke down on Sept.10th. I had to get it towed. I had it towed to the place my friend has her cars fixed. The bill came to $962.49 . They had to replace the alternator, the serpentine belt, and belt tensioner assembly, and a tie rod. Then they had to do a wheel alignment after putting on a new tie rod. I didn't know what I was going to do? I didn't have any money, I was broke until I get my check Oct. 3rd. With the repair shop knowing my friend and her husband they let me do a payment plan. With my friend co-signing for me. Now I have to pay $81 a month for a year. There is no interest for 1 year. I don't know what I'm going to do? We are already behind on our bills and utilities. Now we have another monthly payment. The bills I owe came to close to $15,000.00.Now I have another bill. My car still needs more repairs. It needs a exhaust system and the a/c and heater doesn't work. When you turn them on nothing happens. I'm really going to need a heater and defrost this winter. .If nothing else I have to pay the car repair bill. I can't and won't stick my friends with it! I just don't know how I'm going to do it? I'm in a heck of a bind and I have no idea how to get out of it?
If only some way I could be Debt Free. I think we could make it. But we can't with all the bills. I never want to charge anything again.
We were so much looking forward to having the holidays in our new house. But, I can't even see thinking about the Holidays this year. I don't look forward to much anymore. And they dropped my Food stamps down to $137 a month! When it rains it pours! And I can't find my umbrella.
I'm sorry that this letter got to be so long. I could probably write a few more pages but I won't. I just wish I knew which way to turn? I would be So Grateful if there was someone out there that could help us. Thank You So Much for reading this. Take care.