oh babe dont you feel ashamed at all .. im a renter and more than likely will always be a renter cause i cant afford to buya house as much as i dream of having one

then i kick myself and think so what i got a roof over my head all my children with me fed clothed thats all that really matters in the end ,,

and if you loose it dont stress as hard as you might not be able to not do it ,, if theres nothing you can do theres nothing ,, but rent again untill the day whre you are both on your feet to start again

i feel for you i really do ,, but just clear your head and think well i know we have done this once and yes you wil be able to do it again own your own home when you are in a better position to ,, not the end of the world even know it seems to be like this for now ,,

i also chew my gums when im stressed ouchhh

and you are in no way  failure you are human honey xxxxxx chin up hugssssssss

 

What's the worst that could happen? Seriously.  Imagine the worst possible thing that could happen and then work on improving on that.  (Dale Carnegie - How to Stop Worrying and Start Living)  If the worst possible thing is that you lose your house, start looking for some place to live.  If the worst thing is that your marriage will fail, start communicating more and decide if it's worth saving.  There's always something you can do.  Keep busy.  As long as you are busy doing things that need to be done, you will be okay.  Clean out your clutter.  Sell things you don't need.  Find out why your house isn't selling and do what you need to do to get it sold.

I ams orry you feel ashamed but truely theres no need....

poeple get into financial difficulty all the time...

Neway I know this realy great company that recently help out a friend of mine... menaged to save their house, get them out of debt and taught them how to better manage their finances... infact they say its brilliant....

anyway the business is called debt eduction and mediation centre and you should find them in the yellowpages.... but heres there number anyway... 1300 731 722

if your in australia then i suggest you call asap they just might be able to help where others have not... and i have heard that they do have clients outside of the country as well please be sure to mention where you heard about them..

This is how i get when i feel powerless to control my life situations.

Talking to an outsider that is understanding, can help a great deal.

If things get to much and this is only advice.

Maybe tallking to your local doctor or a councellor may help you.

Every one has hard times in there life this is why there are services avalible.

Sometimes when we are stressed we can look deeper into situations and see things others cant see. Or think things are worse than what they actually are.

I simpithy's with you and wish you the best of luck. Take a break from your life for a little while. have a day where you can pamper your self and forget your troubles.

Then when you come back to your everyday excistance you wil see things more clearly and you will be able to concerntraite.

All the best.

 

Are you in Australia?
I am sure that there is a centrelink payment that you could receive. Look into it as even a small amount from them could ease the pressure a bit.
Hope it gets easier soon.

hugs sweety there is no need to be ashamed as i think a lot of us have been in similar situations before. A few years ago my hubby left a sercure job 5 mins walk from our house we built and a nice $45,000 to a shit job 35 mins drive away and a heap less pay. we had to take out a loan as our fridge died and we needed work on our car. I ended up so stressed that my body started to suffer like you and i ended up in hospital having to have my gallbladder removed. thank god the boss was a jerk and sacked my hubby from that job. Now he is unemployed but is looking after me as i had a huge breakdown as a result of all that stress. It is very tight financially wise but we do make do. I try and sell things over the net and hubby does up old Corolla's and sells them on and parts on.

During the day look up jobs that hubby could do online. you might find a good one for him. he might be in a bit of depression with that he tryed to make his own business and now it has failed. i know i would be. I am sure if you sit down and calmly chat things will sort them self out. with your hubby having his own business you should see if you are intitled to any government payment? i was with hubby at his last job. it might help a bit.

Remember that we are all here for ya as well.

Hugs and love to you sweety
Liz

I know how you feel, sort of.  I have had night where I've cried because of not having enough money.  My husband and I are both not working.  I have not worked for over a year and my husband has not been working since december.  We are working on opening up a bakery/cafe and it's due to open this month.  But money is very tight as you can imagine with no income for over 6 months.  All I can say is don't feel like a failure, one thing, as long as you are doing all that you can, then smile.  I know it's tough, but you also have to have faith.  Faith that things will get better.  I pray every night for our bakery to be open soon and for things to go good, I also pray for financial support.  I thank the lord everyday for what he has blessed us with and even though things are tight, my baby's b-day coming, a new baby due in a few weeks, I know it's hard.  But thinking of the positive will really help you.  I hope and pray that you sell your house very quickly so you can have some relief, but hang in there, you do have people who are here to support you!  GOOD LUCK< I'm right there with you!

Hey no need to feel ashamed or like a failure!!! Sometimes life throws us a curved ball and it is how we cope that defines us. With current house prices at record highs in most counties and slow housing markets I am sure you are not alone!

Have you sought medical help for your depression? You cannot allow your health to suffer any longer. I can't really help much advice over the house issue, although I am sure if you speak to your bank and keep them informed of you situation they may be more helpful than you think. I really wish you luck in trying to sell your home and I hope it sells quickly!

Good luck!

 

I think financial security is one of the main stresses we all suffer from - no matter how much money we have.  I think men stress about it even more than women, so give hubby a break.  He is trying to follow his dream, and provide for his family - if you make him feel like a failure, it won't benefit anybody.  Especially since the likelihood of a man asking for help is very low - try your best to be supportive and enlist his help in looking for options to help solve your problem.

Ring centrelink, tell them about your situation - you may be eligible for some sort of emergency payments to help tide you over.  Contact your utility providers and see if you can get extensions on your bill due dates, and or pay them off a little at a time.  Work out how much money you need to consolidate your outstanding bills - including your mortgage.  If you can get it for your house, and enough to start fresh and maybe even rent, or move in with family and friends for a while - then go for it - get rid of the house at the lowest price you can afford - a year is a long time. 

Let your realtor know where you stand, they will have empathy for you, it is tough at the moment - families are struggling.  Get some free financial advice, there are often people who are willing to give you a free consult in the hope of gaining your business.  Many banks and building societies offer similar services - speak to your bank, see if you can get your payments revised. 

Cheer up, you have your health, your hubby and your kids - together you can achieve ANYTHING!