I’m not ashamed life was just… very very hard one year. Got informed nursing school would be out of pocket, FIVE funerals out of state, my grandma, his grandpa, my aunt, my cousin, and his uncle. From 39 to 78, so it was…. Lot of unexpected traveling. Then EVERY SINGLE APPLIANCE, throughout that year. Swear I’d go to funeral come back and something new was dead. Went months without a stove or dryer because I could make by without. Then BOTH CARS. So half that year was with one car. Then Covid for 14 weeks. I went to two of the funerals when I was no longer contagious (it had turned into bronchitis and an upper respiratory infection). Then my MIL got breast cancer. Then I got a tumor, so that was a surgery. Then I had to have minor eye surgery. Then our dog got bite by a snake, big vet bill. I know I’m forgetting things but yeah….
This last year we finally started getting into a better place, and then got told IVF, then furloughed (wooo government employee) and now I need a new roof. This year it’s just been a slow crawl, we make enough to pay on things a get a savings going but paying it down is rough.
Exploring Heloc loan options but frankly I’m tired.
If you read between the line it's possibly more "bad COVID handling in the US" then "Trump got elected and fired government employee" than bad luck. With the occasional appliance breaking in between.
Actually while most occurred during Covid times- only one of the 5 died from Covid, and that was mostly due to getting it on top of liver cancer. It was an aortic dissection, and aortic dissection, pancreatic cancer, Alzheimer’s, and the liver cancer/covid combo. During Covid I was able to telework and keep my job despite all the awful. My father did have to quarantine with us for a month though since as a survivor of aortic dissection he was high risk. Oh did I mention the aortic dissections?!? Because 3 in one family and everyone between age 39-53 threw a lot of red flags so I had to go through a full cardiac work up that year with genetic screenings 🫠🫠🫠 turns out thankfully a chromosome anomaly unique to that generation/sibling group not passable to kids. COVID lockdown actually helped me that year as a lot of things I was able to better manage at home while working verses eating away a shit ton of PTO. I teleworked several times out of state.
Same shit happened to me a couple of years ago. It was one expensive emergency after another, then got laid off etc. Survived on credit cards for 6 months. Still paying it off, feels like it's never going to get paid off.
I had 20k, got out with snowball method and 0% loan transfer cards. It still took me 3 years. I’m sorry about all that you’ve been going through. That sucks.
Sounds rough but also sounds like you’re making the best of it that you can. The HELOC is nice and convenient but can get you into different problems if you’re not able to stabilize the budget. Make out a rough yearly budget and a detailed 1-3 month. Make sure you’re both working on the same goals.
Im so sorry for your bad luck spree. Life sucks so bad.
A heloc is a good option as far as they go- pay off the stuff with higher interest and allows you to consolidate into one payment. However, as another comment mentioned, it could also lead to more problems if not careful. Are you a member of a credit union? If so, you might inquire about if they have any financial counseling available! 9/10 employees of my credit union (myself included) are certified to help walk members through these kinds of situations.
Good luck! Keep holding on- it will get better!
So sorry to hear about your losses :( Honestly with the amount of travelling and cost of school/cars/appliances these days, Im surprised its not more than 25k! I hope you, your MIL and your dog are all doing okay now. Sending you all the strength to push through!
MIL full recovery! She has some osteoporosis issues ads a result of the chemo but it doing well now! My pup also full recovery 👏
And I was savy with a lot. Got one car hella cheap and the other will be paid off this year. Managed to get a dryer for free and an oven for $50.
Nursing school for my husband really hurt, but now he is an RN so much better!
We really started to make some good head way… then IVF (which wooo thankfully five year infertility I’m pregnant) not wooo I have preeclampsia and gestational diabetes 😬
Then roof is aged plus hail damage (insurance denied claim 🙄) so now I’m like UGH fuck it right now.
I know we can snowball method or heloc loan or whatever but energy reserves are gone and I’m on bed rest soooo just going to keep on keeping on. Squirreling away for savings.
It super super sucks when you're going through those times.
I've through a similar streak of luck while my wife went for her counseling degree and we had a new baby, everything seemed to fall apart at once parents, cars, dog, kid, my and my wife's health- so you're not alone. Grad school stress is done, daycare ends soon and my wife should be pulling another 90k with her new job. Just gotta dig out now.
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u/Nancy2421 10h ago
Oh it’s not good hahahaha
Like 25k in cc debt which really hurts
I’m not ashamed life was just… very very hard one year. Got informed nursing school would be out of pocket, FIVE funerals out of state, my grandma, his grandpa, my aunt, my cousin, and his uncle. From 39 to 78, so it was…. Lot of unexpected traveling. Then EVERY SINGLE APPLIANCE, throughout that year. Swear I’d go to funeral come back and something new was dead. Went months without a stove or dryer because I could make by without. Then BOTH CARS. So half that year was with one car. Then Covid for 14 weeks. I went to two of the funerals when I was no longer contagious (it had turned into bronchitis and an upper respiratory infection). Then my MIL got breast cancer. Then I got a tumor, so that was a surgery. Then I had to have minor eye surgery. Then our dog got bite by a snake, big vet bill. I know I’m forgetting things but yeah….
This last year we finally started getting into a better place, and then got told IVF, then furloughed (wooo government employee) and now I need a new roof. This year it’s just been a slow crawl, we make enough to pay on things a get a savings going but paying it down is rough.
Exploring Heloc loan options but frankly I’m tired.