We have cut back virtually everywhere we can. We are the thriftiest family I know.
I was on short-term disability but just found out that for some reason my doc didn't approve the extension. I still cannot work, not that I have a job to go back to anyway...
We are living off DH's income alone. He is already working 10+ hour days and trying to single-handedly take care of our house (cleaning, repairs, etc.) since I am useless. He is constantly wiped out & trying to catch up on things, so it seems impossible for him to take a second job.
Our medical expenses are killing us... we are spending about $1000/mo between premiums & copays. We applied for state aid but only DS was accepted and the expense/benefit ratio didn't work in our favor at the time (though now I wish we still had it because it could be slightly cheaper since DS has more therapy now that might be covered).
Our mortgage is too expensive but we can't sell (house is worth half what we bought it for). We did apply for a program through our mortgage company but who knows when/if they will approve us & what form the assistance will take. I can deal with losing the house, but I can't figure out what we would do after that, since by that point we will have absolutely no savings and rent isn't cheap... would be nice to just lose it now & get it over with so we could use our last bit of savings to help us start fresh.
It looks like we make just over the cut-off to qualify for other assistance (i.e. food stamps). We do have savings, but it's disappearing fast.
I just don't know what to do. I feel completely helpless & hopeless. I don't see any way out of this. The local job market is terrible... so it's unlikely DH would find something better, and equally unlikely that I would find something even if I could work right now.
I need ideas. I need someone to tell me they hit bottom but somehow survived. I need just a glimmer of hope. I don't need money, I really don't care about "stuff"... All we need is a place to live, food, and access to medical care. Why is that so hard????