I've been so afraid. It's bad enough that my husband and I claimed bankruptcy years ago (still official, though we have re-established credit). Hubby has a low-to-barely-modest income. Hardly any benefits, and what is there is chintzy. We have no savings. He cashed out his 401K long ago. There is less than $10 in the 401K account, and he actually OWES money toward it, due to a loan he took against it years ago.
We have to live off credit cards. I am on SSD, but I don't get much since I went out of work without a long history. (SSD is based on work experience.) We don't qualify for assistance programs because we're just rich enough to not be poor enough for assistance. (That was a convoluted sentence!)
I love all these "experts" who say that you should get rid of your credit cards, save six months of income for emergencies....I don't know anyone who can do that, even those not in my situation!
If not for credit, I wouldn't have some meds, heating oil, car repair....(We need our cars here. Very rural. Hubby travels far for work, too.)
We are thousands of dollars into debt. We already have a second mortgage on our broken-down trailer. And the credit card hubby got recently will quickly be maxed if he can't find better work, or I can't get well enough to work part time.
Thanks for letting me share. I've been panicking. Over $600 of car repairs for hubby just went on card, and he has to take it back for an engine problem.
I try not to get too worried, or I spiral into despair. Sometimes, I can't avoid it, though.
Anyone else in this situation?
These diseases cause so much harm, and not just to our bodies and minds, of course.
Steph
Posted by cgooge (Member # 7922) on :
My wife and I had to file bankruptcy about 4 months ago duw to extremely high medical bills. My second son almost died during birth and have a long stay in the NICU.
Another part of this was due to my wife not being able to work any longer due to the illness. It was very scary for us and still is.
I wonder if I will be able to afford the medicines she needs to get better but I have learned one thing through all of these trials : God will provide everything you need.
Pray withou ceasing about what His will for you life is and ask him to take control of your finances. My faith in God has made all the difference in the world.
Good luck to you...If I were better off financially I'd send you a love gift.
God Bless, Chip
Posted by Starphoenix (Member # 2402) on :
Oh, Chip. You are a kind man. Thank you for your comforting words and offer, if you could, of a love gift. I, too, would do the same.
I appreciated the validation you offered, though I'm sorry that you suffer financial woes, too.
I am a person of faith, but, sometimes, my faith falters. I must have more trust. I have been praying.
Steph
Posted by JillF (Member # 5553) on :
I've gotten pretty good at resumes and finding jobs for ppl
My family, my husband's family, his coworkers and our friends have all had me re-do resumes for them and/or look for jobs for them
If you need any help at all, just email me
Posted by cgooge (Member # 7922) on :
Thank you for the compliment...making me blush
God has a plan and we sometimes do not understand it. You may be witnessing to people and not even know it. The way you handle the illness, financial situation, job loss, etc may be a testimoney to God's love and your faith. He is using you for a purpose...Don't lose sight of it.
Remember, we are only here for a short time. These broken down bodies will be replaced with perfect ones when we get to heaven!!!!
God Bless
Posted by Starphoenix (Member # 2402) on :
Hey, Jill: Thanks for the offer! I wanted to email you, but I don't have your address. I checked your profile, but I didn't see it listed. If you'd like, you may email me at [email protected].
Steph
Posted by shassler64 (Member # 3479) on :
Hi! Can relate.Always worrying about money and it doesn't do a lot for the health either.I am still waiting for my disability insurance to pay out ,probably die before then though of money related stress problems ,then they will have to pay it out.
Wish we could help,Take care,Sue.
Posted by Starphoenix (Member # 2402) on :
It saddens me when I consider how much we have all lost, and that, of course, includes the financial.
Most of the time, I am an optimistic, positive person. And I try to take it all day by day. But then one thing after another strikes (and right now, I'm thinking financially), and it's hard to stay positive and free of worry. And I'm more prone to panic with the Herxing!
Many times, without Herxing, I have been doing the CFM (Creative Financial Management), hyperventilating and crying.
It HAS to get better. For all of us. I just have to cling to that.
Steph
Posted by livinlyme (Member # 3773) on :
My family is about to become homeless... forget credit problems, we have almost no income and can't work... I can't talk about it I just came off a crying binge for days .. we are okay until December but If SS will not re-instate our benefits then after that, we are on the streets.. I would never have moved hd i known this and the fact that someone didn't do their job and file a form and now it is flagging us.. Posted by livinlyme (Member # 3773) on :
oh okay i have to add this too: Brainfarts do not help balance the check book either!!!
Posted by Starphoenix (Member # 2402) on :
Oh, Linda. I'm terribly sorry. I have faced homelessness before and was fortunate to avoid it in the end.
Could you get free legal assistance? Public assistance? Could you stay with family or friends until you get on your feet? I want so much to help you, and you have probably considered all of this already.
I pray for a solution.
Steph
Posted by livinlyme (Member # 3773) on :
Starpheonix, I contacted the local free legal service here Three Rivers and they are over burdened with case loads won't even consider taking us on... family I left in PA to provide a better means for my health and friends are no where around here... I need to pray that SS will find us eligible.. I mean both my sons were on disability .. and then when their father died we went to survivor benefits. B
ut according to the SSA web site we are supposed to continue receiveing benefits until my youngest is 16 and 18 if disabled , yet according to the local office which states that 98% of children are entitle recieve benefits on a deceased parents work record. until the age of 18... it doesn't state that they have to be 16 or disabled like the letters I keep getting but they were determined disabled.. I don't get it .. it is almost like I'm on someones list to push around..
I found out most recently that the "new" case worker who took over for my "old" one in PA never asked me to fill out a DAC(disabled Adult Child) report on both children!!!.. instead she had me fill out a completely new disability report on my youngest which came back denied a year after he was determined eligible... when I called to fume about it she said she didn't understand why I filed the report that was all wrong he was already determined eligible.. Well DUH, had you listened to me in the first place you would have seen this in his report. I am so peeved that people have jobs that I beleive I could do better if I was able to do so!!! Even the lawyer handling my disability claim did not understand why there was an interuption in the payments.. I explained it to her that someone negated to file a DAC report.. which technically I don't think our income should be cut if they made the mistake.. I have about had it .. but you aren't supposed to look a gift horse in the mouth,,, but I paid in and my husband paid in.. and someone is supposed to take care of these kids until they can manage on their own..
I had the down payment to close on the house in a title company which never did cause the seller would not negotiate down 2,000 the appraisal would not cover on the loan... I had to take it all out to pay advance rent here in order to stay so we wouldn't be out .. and catch up on bills I was falling behind on.. Our income went from 1989.00 to 821.00 a month the past 2 months... No way can I manage that with over 15,000. in credit debt..200. electric.. and other bills.
I worked hard to get my credit repaired after my husband did everything to ruin it...It came to rest when he died the last heart attack he suffered in 2003. So as it stands we have a place and if SS denies my boys, then we are without a penny. Then I'll owe them over 6,000 and I owe my mother 25,000 from over the years of recovery and illness. I was managing to juggle things on that income it wasn't easy but I did it. I could have gotten back on track if it wasnt for this upset.. I wish someone would address my back problems and let me have the surgery I need so I can go back to work again! NO ONE will touch me! It's like I have leprosy..now my heart is going freaky on me.. I will discuss this on tuesday with cardio.. I missed today's appointment no one told me they were located behind the Autozone in live oak .. I assumed it was the one in Lake City where I live..
Oh well I ususally just take it as it comes.. I have been homeless before and lived out of a car.. but that was before I had chidlren.. when I was 17.. I can do it : if it is just me .. but this is my family! Man do I feel like a failure.. I asked the guy at the SS Office and I'm supposed to suffer because someone did not do their job??? he shrugged his shoulders... He did say he would expidite the case so it might only take a month to 3 months, instaed fo 3-6 months... meanwhile our lives hang in the balance.. and who says our economy is doing well!!! some people don't know whats what... I want someones JOB!! LOL but it won't do me any good cause I'm on Codiene lawyer said no one will hire .. I'm a high risk! I have been through about 10 agencies here and none will help .. they tell me to call this number and I get the same thing.. now I ahve been told to call Vocational rehabilitation and secure a JOB!!!.LOL I go on tuesady also.. this should be very interesting week.. It starts off with my ID appointment for the boys!! They asked for test results to confirm the LD!! I know I'll have a headache after this appointment! I think my son will loose it too.. he is tired of everyone giving me a hard time..
Sorry for going on and on,, I have to get off here my back is burning again... LAter gang.. thanks for the shoulder
Oh BTW with the house we were 90,000 in debt.. plus 25,000 I personally owe my mother... without the house I have managed to get down to 15,000. plus the personal loan..over the years.. with the house and pool for my back, it will go back up to 75,000.00 + personal, so I was making headway.. but not enough obviously.. Keep those credit cards down as best you can.. an emergency will through you for a loop if not.. Posted by Lymetoo (Member # 743) on :
Yep, been there, done that! Lost my home due to disability, declared bankruptcy....now on the upward swing. [Except for the recent $5,000 in hospital bills .. my share of it]
We need a new car soon...mine has 217,000 miles on it, and my husband's Jeep has 115,000 on it! His needs $500 in repairs SOON or it will end up costing $1,000.
cgooge....You are very wise! I think you're going to fit right in with this group! My faith is the only thing that's gotten me through all the years of misery. God is good!
Hang in there Star and Linda! Posted by Starphoenix (Member # 2402) on :
Linda: I'm in anguish over your situation. And I'm so sorry you feel like a failure. You're anything but a failure! I can see you've been doing all you can to provide for yourself and your children. To think that you face homelessness because of an error on someone else's part....I've long lost faith in many beaurocracies (or however that's spelled).
I am praying for you.
Lymetoo: I'm glad you're on the upswing. I can see you still have financial burdens, of course, though. Wow, with the vehicle mileages! Mine isn't bad. My husband's is getting up there because he travels about 130 miles each day for work.
We do our best, and I must say that God has provided. I've been many times under severe burden, but I've never been completely without. And God has a sense of humor, too.
Once, when I was younger, I really wanted a pair of ice skates. Okay, it wasn't a NEED, but just something that would make me happy. I think I was about 20. I expressed my wish out loud, to no one in particular, just talking out loud, you know? Well, I came into work. I put my lunch in the fridge, and there, on a chair, was a pair of ice skates, no one else around, with a sign reading, "FREE: PLEASE TAKE."
By the same token, I know that some don't have what they need, even basic food. I can't say I understand it all. I can say that I think we're all here with our particular lessons, but I can't say I understand it all! We can just do our best within the framework of our faith.
It does still get scary sometimes.
Hugs to all, Steph Posted by Lymetoo (Member # 743) on :
quote:Originally posted by Starphoenix: Once, when I was younger, I really wanted a pair of ice skates. Okay, it wasn't a NEED, but just something that would make me happy. I think I was about 20. I expressed my wish out loud, to no one in particular, just talking out loud, you know? Well, I came into work. I put my lunch in the fridge, and there, on a chair, was a pair of ice skates, no one else around, with a sign reading, "FREE: PLEASE TAKE."
That's awesome!!
If we had all the answers, it would spoil all the suspense!!
Posted by livinlyme (Member # 3773) on :
Steph, ty for your words of support and prayer. I think the prayers are in order adn support of course will rally my mood a bit.. yet had God listened to me or answered me a few months ago... We might be in the house and having to deal with this cut of income and force to foreclose.. YIKES.. It could very well be a blessing in disguise but I certainly am not in a comfortable position sitting and waiting to find out ( from SSA) if we can stay or have a new home on the streets... Posted by Aligondo Bruce (Member # 6219) on :
this is a very typical cns lyme situation...unable to get help due to the fraud and propaganda perpetrated by the steere/fauci/shapiro bioterror clan, the average cns lyme victim spends tens of thousands of dollars, sometimes more, seeking diagnosis...only to discover that the only way he or she can get properly treated when the diagnosis is finally made is to travel, sometimes long distances, to an LLMD, followed by long-term, open-ended therapy which is neccessary now that the disease has become chronic and virtually ineradicable.
you max out your credit cards. bills go unpaid, ultimately you file for bankruptcy and government assistance and end up living a tenuous life, barely scraping by, the stress of which only acts to aggravate the illness. You are confused, terrified, and bedridden most of the time.
Meanwhile, during the period of time in which you and your family are being financially destroyed, allen steere and mark klempner are receiving salaries in the mid six figures from their "respected" institutions..IDSA clowns, totally separated from reality and living in a delusional world in which somehow we the victims are the criminals...jews, it's all the jews' fault, that's what hitler said...pat each other on the back, how could so many people with medical degrees be wrong (and that's the extent of their logic) ...steere gets hundreds of thousands of dollars if not more for consulting with gsk on a faulty vaccine...shapiro untold thousands$$ for a lecture series, sponsored by skb, through which he derides the suffering of people just like you. And klempner, the vulture, the jackal who committed scientific fraud, gets a $100 million grant to study anthrax and other agents of biowarfare.
Do you think mark klempner or allen steere ever worry about their finances, or how they're going to feed their family, or whether or not SSI will be around when they retire?
You can thank the incredibly evil and corrupt anthony fauci for that...that's where the buck stops. Pun intended. No oversight of these monsters. It is tyranny, hitlerism in a scientific form.
Posted by Starphoenix (Member # 2402) on :
Amen, brother! You hit quite a nail on the head, Aligondo Bruce!
Steph
Posted by livinlyme (Member # 3773) on :
OMG Bruce you are so right ... so right you scare me to think I rely on this system to take care of me.. and I know that some how it will fail... and the sinister gremlins that concocked this falsehood and major misinformation which most MD's follow as gospel will have the final laugh ultimately .. I wacthed a movie last year and the phrase "Mr. Lies, Mr. Lies" comes to mind..when reffering to "Stear clear of Steere clan" comes to surface... I wish they could undo the damage that this man and his group of cultists has done to all of us who suffer. And I wonder more what will happen to the CDC now that a new figurehead will be taking over... OMG more worries.. Those who condoned the use of thalomide and deformed all those poor unborn children.. only to pull it off the market 20 years after the fact... try and undo the damage that was done by that sham.. this one has magnitudes of damage that far outway the ones done to them this will affect many many generations to come..
![[toilet]](graemlins/toilet.gif)
![[Frown]](frown.gif)
![[Smile]](smile.gif)
![[group hug]](graemlins/grouphug.gif)
![[Big Grin]](biggrin.gif)
And I try to take it all day by day. But then one thing after another strikes (and right now, I'm thinking financially), and it's hard to stay positive and free of worry. ![[Eek!]](eek.gif)
And I'm more prone to panic with the Herxing!![[shake]](graemlins/shake.gif)
![[Mad]](mad.gif)
![[bonk]](graemlins/bonk.gif)
![[Wink]](wink.gif)
