I am sure a lot of people are gonna give me grief, but I need advice?Probably Very long…?
Saturday, 17. April 2010
My husband and I have been married 3 1/2 years. We’ve been together for 6 1/2. We have a 2 1/2 year old daughter. That said, here are my problems:
I bought a car right after having my daughter. It was a loan of $13000. I had a 700 credit score at the time. I had never bought a car before and had no clue what I was doing and ended up not getting a warranty. During the time I had the car (9months) it broke down numerous times and I spent over $2700 in repairs. That being said, I could not make the payments and I asked them to pick up the car. They repo’d because I asked them to. The then sold the car for only $1000. Now they want $12000 paid to them. I have no money in savings. I have no money period.
When my daighter was 3 months old, I was laid off from my job. Work was very slow and they could not afford to pay me anymore. I took a big hit and couldn’t find work for 3 months. When I finally found work it was $9 an hour and barely enough to make ends meet.
I worked there for 9 months and then my husband found the same fate as me and was laid off. He could not find work again for 8 months. When he finally found a job it was 50 miles away and he worked there for 6 months before they had to let him go becuase their company was failing with the economy and they lost a big client.
When I wass laid off, I needed money and I stupidly went to Cash Call. They gave me a $2500 loan and 59% interest which I didn’t find out about until they mailed the paperwork. Everything had been done over the phone. I paid payments for over a year and a half and the payoff was still well over $3000 due to the interest. I finally made a big payment of $2000 but they still say I owe them $1700. I recently stopped paying them. I couldn’t handle it anymore.
So now I am way over my head in debt. I have a 520 on my credit, and my husband is 560. We are trying to keep food on the table. my husband is still unemployed and on his second extension.
He has always been a smoker, and now he has picked up drinking. He isn’t a drunk, by all means, but he has probably 2 24oz. beers a day. We don’t have the money for him to be out spending $4-6 a day. That adds up to $120-160 a month! He also has ADHD and has a medical prescription for marijuana. He doesn’t smoke around us but it is legal and prescribed to him. My biggest problem is that he spends about $60 a week on his prescription.
We are badly in debt, and he won’t stop drinking or smoking and doesn’t understand the amount he spends.
NOW: He is a great dad and husband other than those things. He cooks, cleans, watches the little one EVERYDAY because we cannot afford daycare. He cooks for her, gives her baths, has always changed diapers. He will have dinner ready when I get home and the house will be spotless. He works hard around the yard. He will even do anything I ask of him. If I want a snack from the kitchen, if I want a bath, he will run it. I can tell he really loves both of us and I feel like a bad person sometimes because I want to leave because of the money spending.
How can I deal with this all? What would you do? Maybe this is a plea for help. I love him, but I want him to stop drinking every night. I want him to stop with the cigarettes. He tells me: “I don’t tell you what to do!” But I don’t ever do anything. I don’t get my hair done or nails done. I don’t spend on anything extra. We don’t have Satellite or cable. I don’t even go clothes shopping. I own 3 pairs of pants, one pair 2 sizes too big. I can”t even remember the last time I bought anything for myself.
Any questions?
What should I do?