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Money? What Money??
Money is a total nightmare for me. Or rather bills and lack of money are a nightmare for me. The only reason my house payment gets made on time is because it is a set amount that comes out of the bank as soon as our paychecks hit through direct deposit so I don't have to think about it. I really wish I could do that will the utility bill, and in fact I did try it, but because of the way they take the money the utility companies actually tried to withdraw the funds before our funds hit so it bounced. When I moved the withdrawal to the day after we got paid it put it in limbo for several days making the payments late, and after 3 late payments the utility company would no longer allow me to do auto pay. Now I'm back to having to remember, and having to pull the money before my equally ADD hubby "forgets" that bills have to be paid and pulls from an ATM for something he just "has to have". BOTH of us struggle with impulse spending, and at this point we are barely squeaking by once bills and meds are paid.
Then last week I get a call that my student loans that were in deferment are now in default (gee thanks for letting me know my deferment time was up) and they way to garnish 60% of my monthly take home! All this for a degree I never even got to finish thanks to a nervous breakdown, being hospitilazied, and a year later when I was told I could return to classes, being told that my degree program was no longer being offered and in order to earn a degree I'd have to complete another 3 to 4 semesters for a totally different degree. I have no idea what I'm going to do at this point, and asking my husband for advise is useless ... I've tried talking to him about what options we might have and he totally shuts down while I am left in hysterical tears each time the collections agency for dept of ed calls with their pushing and threats.
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