Depressed again
No matter where we go or what we do, we always wind up in the same jam – can’t pay the bills.
As it stands, unless someone in my family can pull another rabbit out of a hat, we’re going to lose our electric service on the 5th and our water any time thereafter. We may be offline for quite some time, because if our electricity DOES get shut off, we have to have about $1000 worth of work done on our wiring and stuff before we can get it turned back on. Right now, we’re under an (expired) one-year conditional permit, which meant that we could "bring the house up to code" just enough to GET service, but we promised to have the other 1k of work done within a year. Well, we obviously couldn’t do that, so when the electricity gets turned off, we’ll have to start from scratch. The way they do it here now is that Oncor, the electricity delivery people who actually hook up the service outside the house, has to get approval from the city inspector for each house they need to service. IF the inspector is generous enough, we might be able to get new service or re-instated service without the 1k worth of work done. If not, well, we’re screwed.
We’ve been thinking about moving back to Waco, to an all-bills-paid apartment complex we stayed in before. It’s not very plausible to think that we could actually DO IT, though. How could we keep up with the house payment here and the rent there, all at the same time? Of course, the job market is slightly better in Waco, so I could possibly find a job there.
I don’t know what to do. No matter how hard I try to manage our money correctly, things keep jumping out at me from nowhere. Charges for this, that, or the other that I was totally unaware of, etc. It doesn’t help that I’M the one who is in charge of bills and stuff, because Laurie just doesn’t seem to be able to keep up with all that I tell her about our "current situation" at any given time. She doesn’t even log in to the bank sites. I handle our finances. Not that she wouldn’t be welcome to do it, but I don’t mind being the one to handle things. I’m very paranoid about our bills.
Our house payment is only half paid. We pay to two sisters, who were left the house by their mother, upon her death. I paid one of them directly. The other, I was supposed to mail a money order to by the 5th. She was supposed to RECEIVE it by the 5th. Because of an unexpected charge on the bank account and overall VERY TIGHT finances, I am unable to withdraw enough to send her her half of the house payment. Mama is stepping in to help with that. Thankfully, I’m only about $20 shy of the house payment.
Then, the house insurance will come out, and we don’t have ANY money for it, so it will be paid, but I’ll get an overdraft from it. I’m just happy it will be paid. That’s part of the contract for buying this house…we HAVE TO provide house insurance. But all this means that we’ll begin next payday in the hole again. A chunk of my check will have to cover the overdraft, which will AGAIN put us in a bad way. I don’t see any way OUT of this hole we’re seemingly digging ourselves deeper and deeper into!
Any job advertised in this town, I am not qualified for. I’m about ready to say "to hell with it" and go to Jack In The Box and try my luck there (with a job, I mean). I don’t know if I’m physically fit enough to work there nowadays, but something’s gotta give, and since I’m the one who has to do it, I gotta do SOMETHING!!!!!!
Please pray for us. I don’t know what to do anymore.
