Friday, August 31, 2007

Stress....Stress......and More Stress.......

Warning this is one big fat huge WHINE!!!!!

We bought our house three years ago. At the time Andy had a good job as a production foreman, and I was a store manager of a video store. We were both making great money.

Well life has thrown us a few curve balls in the last three years. I had to quit my job to care for Rhett when it became apparent that the open heart surgery was not going to fix all of his medical problems. Daycare is out of the question, no way am I chancing this little one getting any extra cooties. Not to mention that working full time during the day is next to impossible with all of the therapies, Dr. appointments, and such.

That was the first curve ball. Next one is when Andy decided to make a career change in January, and at the same time Rhett was sent in for surgery and overdosed. Andy lost his job when we were in the hospital, and since then has never really found a job that would pay as well as that one did.

He has done some side jobs here and there, enough to keep us afloat so that we can survive. But it seems like every time we get up financially something knocks us down. Right now we have learned that Andy will be needing back surgery soon for a compressed disk in his back. He will be out of work for 6 weeks.

Through all of these trials we have really struggled with making our house payment. In October of last year our fixed rate became adjustable, so we had to refinance. Well during the first two years because of all of the medical bills we accumulated our credit took some dings to it. Needless to say when we refinanced we got a less than desirable rate, and although it became fixed, the payments still jumped and we have been struggling ever since to make it.

At this point in our lives we are no longer able to afford our payments, and are going to have to turn the house over to the bank. We want to try to sell first, but the fact of the matter is, is that we do not have the money to pay for another month's payment. The average home right now is taking 9.2 months to sell. There is no way in H-E-double hockey sticks that we can afford this payment for 9 months.

We can't afford it for one more month. So now we are left with the choice to try to sell in a month to avoid foreclosure, or do we stick our tails between our legs, wave our "I surrender" flags, and run.

Either way we are going back to the renting world, and that sucks. I am so sick of fighting for everything. No matter what choices we make we are always fighting for something. Whether it be our kids, our home, with hospitals, bill collectors, people who come in an tear up your yard to dig lines for the city, and leave the yard a mess, trying to get insurance to pay for a med that my child needs, trying to explain to someone that although Rhett does not have a feeding tube, Pediasure is his main source of nutrition, so therefore he NEEDS it. Everything is a fight. I don't know how much more fight I have in me.

I want my life to be back to normal. I want date nights with my husband, I want my kids to be happy. I don't EVER want to have to see the faces that I saw three nights ago when we told them we had to move. This is home. This is where I wanted my kids to grow up. I would give anything to stay in this house. My kids love their friends and school. I love our neighborhood.

We have sold everything we can. We own our vehicles, the only bills we have are our house payment, utilities, insurance, our phone, and the never ending medical bills.
We have gotten rid of all of our toys, the four wheeler, the wave runner, the boat, all of the things that we had that were fun, but not needed. There is nothing more to sell. I need my vehicle for running to appointments and getting to and from work, and Andy needs his truck for hauling the trailer for his job.

Anywhere where we are together is home, but it still hurts that we are being forced to leave. We have tried every option we can to try to stay, which is why we are still here. But those options have run out, and it is time to move on.

Did I mention how bad this SUCKS?


Kei said...

Pam, do you qualify for the new program that was just signed by President Bush? FHA Secure.

Robert & I were just discussing the T21 board & he was asking about people and asked how you were doing so I told him about the house, then went onto your blog & saw this post so he mentioned the new program.


Michelle said...

You know that I am here for you. What can I do to help?? If anything, I will gladly listen. Here if you need an ear!

amy flege said...

oh honey.. iam sorry.. hugs to you!

Christina said...

I am so sorry. Big hugs to you!

Shannon **Gabi's Mom** said...

So sorry! I can totally relate! Our situations are so silimilar it ain't funny except for a few changes here and there. Our medical bills are mostly from Ryan, except a few for me and Gabi! Our mortgage will go to an adjustable rate too in about a year. If we refinance, I am sure it will be the same story. Your right, it does suck!

I am here if you want to whine some more to someone who can relate.

Laura Q said...

Oh Pam,
So sorry you guys are having a rough time. You'll all be in my thoughts and prayers!

Emily said...

Shoot! I am sorry that your family is having a rough patch right now. That dang roller coaster of life!!! I feel so bad for you that I used my Utah swear words.

On a lighter note, you have been awarded!

Kim said...

I came by the other day but didn't have a chance to comment...

I am so sorry and it does suck!!! I do know about the financial difficulties and our kids. We filed bankruptcy this summer...not fun :( I am sending bighugs to you guys...and you know what YOU WHINE AWAY!!! this is your place/home.... you go girl get it out... Praying for you.

Keri said...

I've been reading you for just over a month or so (came over via Jennifer at Pinwheels). I'm really sorry that everything has come crashing down for you. Does Rhett receive Social Security Income? He will definitely qualify. I'll be happy to help out with one month's mortgage...please email me: kiwibrooks (at) yahoo (dot) com

Tammy and Parker said...

Hey You,

I'm worried about you. I still have the Pediasure and tendergrips. Let me know if you still want them, k?

Thinking of you.....

Sara said...

I am so sorry you are having troubles, you have enough to deal with , without that too...( we have been there, so I understand ) Big hugs coming your way ( I know that wont help )