My health and our taxes.

[editmom]

I have had PTSD all of my life I guess. Depression and anxiety to go along. I left my job a year ago and our property taxes are1.5 years overdue. Imagine all the fees etc. I can't deal with this stuff. I have back problems that cause constant pain and had a very difficult job for many many years and am just plain burned out on this stuff.

I am so anxious right now. My spouse used to depend on me for everything. The tables have turned a lot in the last year. I still manage most of the stuff but he went to the abatement hearing tonight which did not turn out well. I just can't stand this stuff anymore. I am doing everything I can. Our taxes are 3,000 per year and we live in a very modest home on 3 acres.

I am so stretched and stressed. My body gets sore just thinking about it. I don't buy stuff, I don't own much, just the necessities and some mac I books I am trying to sell as adult children grew out of them.

Everyone is telling us to call our mortgage company and see if they will pay. The mortgage company has been threatening me since July because payments got behind after being paid early and overpaid for years.

Just venting I quess.

[PiePie]

: : : Sounds awful. Have you looked into whether you might qualify for disability? I can say it's hard when spouses flip roles -- BTDT.

[faith21]

Im sorry to here you have the stress of finances on your shoulders ..that's hard enough, I can imagine how anxious you feel. Have you considered refinancing ? You may be able to find a good program that will refinance and payoff the backtaxes, maybe even get you a lower rate...I hope you find relief in that area soon. I'm sure a way will be made..don't get discouraged, I know it can be overwhelming.

[editmom]

our credit score is in the cellar, I made several calls today. I also saw my doc today. I had had a big PTSD trigger from a few weeks ago and she was angry with me and acting hurt. It was horrific. She seems to think I can control the triggers and reactions. Hey, if she has a magic pill I will take it. I felt like she was telling me I am responsible for my pain and my situation. I have worked hard, give from the heart, love, and I do have the fight or flight thing. I choose flight, thus my current financial situation. I don't think refinancing is an option. Who knows. I was thinking prostitution but who wants an old mom all stretched and baggy? Just kidding.

It is hard to be in this world and speak up for ones-self and one's children. I am currently hating the medical establishment. I hate the vulnerability. I hate the PTSd. I hate paying taxes for education that was not appropriate for my kids or my new child. I hate not being believed and I hate the pain. I am obviously not in the greatest of places huh? Sorry, just screaming inside.

[nausicaamom]

Just wanted to send you some hugs -- I have so been there done that with being overwhelmed with things that really have to be addressed NOW. It will work out but I can tell you from my own experiences it will be hard, very hard. Try to care as much care of your self as you can.

[editmom]

Thanks, yeah it's hard and I don't know the way out right now. I am still spinning from the doctor thing and really trying to figure out what's happening and options re: forclosure.

[papercranegirl]

I've been there mama. Is there a way you can work out a payment plan with the county. Around here they won't offer it until foreclosure is imminent. It can't hurt to ask and ask again if they blow you off.Any relatves that can help out with a loan?

Money issues send me into a tailspin emotionally and physically. I hope you can find a good dr who understands the mind-body connection better than the one you have now. In the meantime, make sure you're getting adequate omega-3s and sunshine.

This will all work out. **hugs**

[editmom]

Thanks, I know this sounds silly but Omega threes are fish oil and evening primrose right? Thanks. I had no luck with finding a psychiatrist to prescribe my meds today. None around here. I am going to a pain clinic for pain but would like a psychiatrist for the other meds so that I am needing very little from my primary.

I just feel totally blown over. Relatives? as a very last resort, trying to see if a special place will refinance us. It stinks.

[MamaChel]

Breathe mama.Your Dr is partially right, when you are ready you can learn to control your reactions to your triggers. You will also eventually be able to identify your triggers, just not yet. Right now you need help, you're asking for help so you can deal. Good for you!

If there is a community mental health agency in your county, call for an appointment. You'll need to ask for an intake appointment and evaluation so that the Dr can determine your best treatment plan.

You have a lot on your plate at the moment, facing forclosure or property tax issues is stressful. Just take it one day at a time, if that's too much try one hour or one minute. You will get through. I hope you can find the help you need soon.

[editmom]

Well, I am still hanging in. It makes me ask big questions about he way we all live. How can we make it more simple? I don;t know. I made choices without realizing I was making choices in my younger days. Now I am thoughtful and wish I had done things differently.

[nausicaamom]

Originally Posted by momtomany

I made choices without realizing I was making choices in my younger days. Now I am thoughtful and wish I had done things differently.

Please try to spend as little time there as possible - it's over, you can't do anything to change it and dwelling on it too much is taking away energy that you need for dealing with what's going on now. I know this is like telling a fire not to burn, but try to focus on what you can change now and take baby steps.

That said (and sorry if I came across as scolding), how is everything going? I haven't checking in for a few days and wanted to see how you and yours were doing.

[Imvishta]

I saw the part about taxes and thought it was about itemizing medical expenses. Not that it helps immediately with your situation, but have you looked into doing so? Don't quote me, but you can itemize your medical expenses if they (your family's) exceed 7.5% of your Adjusted Gross Income (make sure you know that number is correct; you can deduct the expense of an accountant). Is it possible even to refile for last year if you had high expenses and low income from quiting your job? Something to consider, perhaps?

[editmom]

well, we are getting a new mortgage from a predatory lender due to poor credit

We will be closing next week. Yes the interest is high and the closing costs are awful but we are stuck. I need to make this happen. We will be doing new siding, roof, some windows and a kitchen floor. I don't know yet. I am a nervous wreck.

[editmom]

Well, we re-financed and it was a drag, we were basically r-ped but we did it knowingly. Big interest rates. The taxes paid, the new roof on and the under house garage being closed off for heat purposes. New siding waiting and a new floor since the floor in kitchen is 35 years ols and is the tile used in stores and places like that. NEW PAINT AND TILE WILL BE COOL. WE ARE BECOMING PRETTY FRUGAL. ONLY ISSE BEING THE EATING OF OUR ADOPTIVEdaughter. OOOPD big, the caps was on and i didn't notice.