We've only lasted this long BECAUSE of the credit cards. We'd have a run of good luck and pay them down, but then they'd just creep back up again. Tax refunds, small inheritances, etc over the years have kept us going. When I lost my job and my husband's salary went down some due to the economy, timed with the cards close to being maxed out, we were forced to wake up. I so wish we had opened our eyes sooner - but just kept thinking we could get through it. Alot of it was pride - heck, most of it was pride and just not wanting to admit defeat. We worked our tails off for a year building our dream home - and emotionally, I just couldn't let it go. It's taken me a long time (I'm still not completely there mentally), but I know it has to go. It is most certainly my dream home, but I've never been at peace here because of the financial situation, and I'm just tired of living like this. When I think back to when we were most happy in our lives, it was our very first little house, small mortgage, two babies - not a whole of extras, but no overwhelming bills, and we could both actually sleep at night. I don't want my kids' memories of their parents be of them constantly stressing over money - and that's all they've seen for the past few years. I NEED them to see that this is no way to live - I don't want them to EVER get in this situation if they can help it.
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04/01/10 - Hit rock bottom and knew we were going to have to file for bankruptcy and surrender our home.
12/14/10 - Filed Chapter 7, 02/09/11 - 341 Hearing, 04/14/11 - 
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You wanna hear how bad this has actually gotten -- just typing all of this made me start crying again. My 9 year old just walked in the room to ask me if he could go to his friend's house and didn't even question what was wrong and why I was crying - they're just so used to seeing me this way now.
04/01/10 - Hit rock bottom and knew we were going to have to file for bankruptcy and surrender our home. 12/14/10 - Filed Chapter 7, 02/09/11 - 341 Hearing, 04/14/11 - Comment
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That's really sad, but things are bound to get better.Comment
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They will -- sometimes it just takes getting all the way to the bottom before you can start climbing out I guess. I can see the light up ahead - just not looking forward to the climb I suppose.Originally posted by blockhead View Post04/01/10 - Hit rock bottom and knew we were going to have to file for bankruptcy and surrender our home. 12/14/10 - Filed Chapter 7, 02/09/11 - 341 Hearing, 04/14/11 - Comment
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Originally posted by ssmdem View PostYou wanna hear how bad this has actually gotten -- just typing all of this made me start crying again. My 9 year old just walked in the room to ask me if he could go to his friend's house and didn't even question what was wrong and why I was crying - they're just so used to seeing me this way now.
I know the feeling....it doesn't take much for me to start crying these days.
I have a 9 yr old too (and a 7 yr old) BTW.
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Originally posted by JEM View PostI know the feeling....it doesn't take much for me to start crying these days.
I have a 9 yr old too (and a 7 yr old) BTW.
Mine are 9 and 12. My 12 year old has been my rock recently. I know she's the one who will miss this place the most. I keep saying, "is it okay if we don't have this and this and this..." When I asked about not having a pool anymore, she said, "It's fine Mom. You never get to swim with us anyway, and I'd much rather have you be able to hang out with us than us just swim by ourselves all time." That's when I knew we had to get out of here.04/01/10 - Hit rock bottom and knew we were going to have to file for bankruptcy and surrender our home. 12/14/10 - Filed Chapter 7, 02/09/11 - 341 Hearing, 04/14/11 - Comment
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If my home were low enough in value we could 'force' a 13 to strip the second off if it -Comment
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