Yes yes, I know. I am probably one of the worst bloggers you've ever had the misfortune to cyber run into. Honestly, it's 'cause I've been playing single Mum to 3 since October, oh and a very brief stint working daycare. Technically hubby actually is still around, but when you work from 7am to 10pm, he has effectively become a polite lodger.
No more pity party though so you can all exhale now! I've just literally had the attention span of a weevil these days. Why was hubby working such insane hours? Well, we are effcetively over $40,000 in credit card debt and we were trying in earnest to pay it down. Now here's the thing about this debt. We really are modest people. We have a 5 year old hyundai (paid off), a 3 year old Kia (will be paid off in 2 years) and yes I'll concede a lovely house. However, that's not where the debt is centered; it is the toll we pay for having to have a full time stay at home parent and raising two neurologically disabled kids. I don't have the extensive wardrobe or the repaved patio or the pool to show for all this. What I do have are grocery bills, countless amounts in therapy appointments, gas for the cars etc. A house in Md that refused to sell for 15 months ...hence a nasty bridge loan; I don't recommend them.
In today's economy I know we still are truly blessed to have the house, the cars and the food in the fridge, but what we really need is some semblance of balance. The children NEED their father, I NEED my husband and he NEEDS to not worry if he is earning an early heart attack from overwork and stress. Last night we finally decided....Fuck it! Let the creditors call, let them ring 5 times in an hour and hang up once the macine gets it. We actually were handling the debt and even paying it down until all three cards jacked up the interest from 8% and 13 % to 29.9%!!!!!
Hubby was killing himself so we could deal with our respnsibilities, but when the system suddenly shifts the goal posts and expenencially raise your responsibilities without even a phonecall....screw 'em! Hubby is cutting back his over time so he can be with his family more and his wife doesn't feel like she needs to chuck herself off the top of the lovely house. Bancruptcy is imminent, but I'll take that over a dead husband and father and a grieving widow and 3 kids.
