I'm coming out of lurkdom and joining this month. I'm so totally stressed and just need to hang out with some who understand what I'm going thru.
My dh makes decent money, enough to support us all. The problem started a few months ago when a large check went thru that we weren't anticipating going thru (it was an earnest check for the house we were going to buy, it wasn't supposed to be processed until we closed but someone didn't get that memo apparently). So the check went thru on the same day that dh paid bills. Every single payment he made bounced. Almost an entire paycheck worth of overdraft fees.
: Once we realized what had happened we were almost $1k in the hole. I about died. Luckily we had gone out and bought some groceries and diapers the night before or we would've had nothing.
So since then we've been floating checks and trying desperately to play catch up. We are so broke its not even funny. We're late (way late) on everything so we've got late fees and shut off notices coming in left and right. I can't even answer the telephone anymore because every single call is a creditor wondering when we'll be making June and July's payments.
Dh makes too much to qualify for any assistance. I was working (babysitting), making between $50 - $100 a week which was at least putting food on the table but the mom found a teenage girl who was cheaper so now I make $0. I've been trying to sell everything I think is of value on the TP and other places so that my kids could at least have some birthday gifts (all summer birthdays, of course) and some clothes for fall. I just don't know when we're going to get out of this mess and it has put me in the worst place emotionally that I have been in in years.
Then this past week we actually thought we had a positive balance only to find out that the bank saw that too and took out a double loan payment (!!). Yeah so guess who went back in the red again? I have been on the phone with the bank begging and pleading for them to reverse at least one of the payments (since one of them isn't even due until September!) and at least a couple of the overdraft fees the double payment caused. I feel like such a baby, I'm on the phone bawling. But we need to eat, ya know?
Gah, I'm sorry for the long rambling whine-fest, I'm just so overwhelmed right now. Dh says that if we can just get thru Aug and Sept we'll hopefully be able to breathe again. I don't know how I'm going to survive 2 more months of this...but I will, I know. Don't have much of a choice.