Join Date: May 2003
Location: Formerly wishing I was there
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mama to Allison 8-18-08 and Ethan 1-24-11
UGH I just posted and the ^&(&#$**&# computer ATE my reply!!! :_(
Anyway I just joined TTMM/Dave Ramsey 15 minutes ago. So I'm plunging in here:
Baby Step 1 - BABY EMERGENCY FUND$100.00/$1000.00
Baby Step 2 - DEBT SNOWBALL - NO DEBT (see below)
The reason I have no debt is that due to several severe economic downturns in the past year I was recently forced to declare bankruptcy. My reasons (which I am merely listing - they are NOT an excuse of any kind) include:
1. I took a 2 month unpaid leave of absence from my job to care for my 12 yr old son who was severely beaten by three other kids and had his femur completely broken in two. He required two surgeries and months of physical rehabilitation.
2. WHILE on the unpaid LOA my company (Merrill Lynch) laid me off with no legal recourse as they laid off 10 others in my department and can prove that they would have laid me off even if I had been IN work at the time.
3. One week after being laid off, I was diagnosed with breast cancer. I had two surgeries, chemotherapy, radiation therapy, and am receiving an adjuvant course of a different type of chemotherapy. I thank GOD every single day that I am alive and CANCER FREE!!!
BUT with all of that I was on disability insurance thru the state and am currently on unemployment insurance while I searchfor a job. Which is an endless search in this economy.
I am two months behind on my mortgage payments and the mortgage company is beginning foreclosure proceedings. I CANNOT LOSE MY HOME. I am trying to borrow the money from a friend OR find some type of alternative payment plan with the mortgage company. Won't know anymore than that till next week.
I am so trying NOT TO PANIC. Which is very difficult. I have three wonderful children (16,13, and 10) and am re-married to a wonderful man who is also divorced and has a daughter. Between us we used to make a pretty good income but have always lived paycheck to paycheck. NOT ANY MORE!!!!!!
Dh is working two jobs to help dig us out of this mess we are in right now. I love him somuch ( and am so blessed to have found him!!!! We have been together for eight years and married for four.
We will get through this rough spot - I KNOW IT IN MY HEART! God has always taken care of me and He always will.
So I'm here - looking for help, support, advice, a friendly ear and willing to do the same for all of you!!!!