Mу husband аnd I hаνе 3 kids аnd аrе $2000 іn debt. Wе hаνе tried tο gеt a loan bυt bееn denied through everyone. Wе hаνе called debt consolidators bυt thеу ѕау thеу саn οnlу hеlр wіth insecure debts lіkе collections, credit cards, ect. аnd wе don’t hаνе those. Oυr problems іѕ utilities аnd mortgage. Oυr mortgage comp. саn’t hеlр υѕ gеt back οn track. I аm a stay аt home mom аnd I considered getting a job bυt daycare wουld bе mу whole paycheck аnd nο family around tο hеlр. Mу husband works tοο many hours now tο pull another job. Anу suggestions οf аnу debt οr loan people out thеrе thаt сουld hеlр?
Wе hаνе οnlу bееn here fοr 6 months. I аm іn college. I gο 2 days a week аt night whіlе mу husband іѕ home. I owe thеm tοο аnd thеіr іѕ nο daycare thеrе. Wе саn’t refinance аnd thіѕ рlасе іѕ οnlу 55k. Thаt іѕ thе cheapest around here.
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Tags: consoidating..., help, Need
When is the mortgage due for renewal? Any equity in your home? Perhaps you can see if another bank will remortgage. Sometimes the penalties are worth while to bring you relief.
Have you thought of returning to school (student loans)? Many post-secondary institutions have day care. . .
If you can’t meet your regular bills (mortgage & utilities) even if you were up to date and on track, maybe it would be worth considering selling and buying a less expensive place.
———–
Okay, those won’t work for you. . . Just two other suggestions then:
1) If you have a spreadsheet program, like Excel, set up your income and expenses on a spreadsheet and lay it out for the next two years. . . for every payday. Sometimes when you can see the picture out a bit further than next month, the view isn’t as bad as it seems. . . or at least you can get a handle on what extra income you need to get by.
2) If there are any credit councelling centers around there (sometimes a free service here in Canada), stop in and see them. They are not there to judge you or make you feel badly, they are there to help you get a handle on things and keep your head above water. They may have some great ideas you haven’t thought of.
I really do wish you all the best. . . money problems can be the biggest stressor in any marriage. . . keep hugging each other and you’ll be okay
Be glad it is only $2,000, far less than most people.
Continue to reduce expenses.
Create a support system with another woman. Exchange child care for getting time to do part time work.
me an my wife an grandaughter live on 1,300 how we do it i dont know we need help too
Hello.
I am a mom of a 3 year old and I am part of a great legit home business. It is part of the Better Business Bureau as well. It will help you have time with your kids and help to supplement your income. Please see the website below for more information. Thank you!
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Hi, these articles may help you:
Debt Consolidation – Get Out Of Debt
http://www. askaquery. com/Answers/qn1643. html
How to Hire a Debt Counselor?
http://www. askaquery. com/Answers/qn1584. html
What is Debt Relief?
http://www. askaquery. com/Answers/qn1583. html
Debt Management and Building Wealth
http://www. askaquery. com/Answers/qn1581
Cheers