I'm a stay-at-home mom to a 2yo and due with baby #2 in Oct. All the sudden we are in financial despair?? Help

Question

I'm a stay-at-home mom, I have back problems and so I have a hard time while I'm pregnant, and even when I'm not, because I can't stand for long periods of time. I take care of my son who's 2 1/2, and I just started my 3rd trimester. My husband works a full time job, and basically the last couple of months SOMETHING went wrong and we are in financial despair - our options are so limited, and I can't get a second job (I work from home as well) because of my back AND I'm in my 3rd trimester, but if my husband gets a second job he'll be exhausted and never home. We basically have to choose these last few paychecks what bills we are going to pay and whether or not we are going to eat this month. I'm feeling lost?? Anyone else been in this situation? How did you ever manage to get out of it? My husband is so negative towards me being home now, where he never had a problem before. I HATE money! It's ruined so many things.

Answer 1

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Answer 2

I have been in this situation as well. RIght now it is especially hard. We also have to decide between paying bills or buying groceries. Electric went up, groceries went up, gas went up, and pay didn't. I have had to go to churches for help with food and help with utilities. It is a sad story for Americans right now.

I would suggest applying for welfare and telling them you are seperated. I don't condone breaking laws or anything, but it will help you for a few months with groceries until you have the baby. After you have the baby apply for social security for your back. They will pay to have it checked out and if it is fixable they will pay for it to be fixed (rehab) so that oyu can go back to work. They won't do it if you aren't on welfare though.

Answer 3

I know you don't want to hear this, but you might consider the ramifications of a Chapter 7 bankruptcy.  Seek the advice of an attorney.  It shouldn't cost you anything unless you decide to file.

And yes, I'm well aware of the stigma you will feel that you have brought on yourself.  Be stronger than that.  If you have to decide whether you pay bills or feed your family, then your ego must exit stage left.  

Your family comes first, right?

After the experience, you will be wiser, better able to deal with life and your family relationships, and the reduced stress levels will increase the chances of a healthy newborn.  Good luck with that, by the way.

Most of all, you'll probably be resolved to never be in such a nightmarish situation again, and will take steps to prevent it.  Oh, and teach your children so that they never have to go through it themselves.

It's like lancing a boil.  Stings a lot in the beginning, but allows the healing process to commence.

I feel for you.  I've been there before.  You can be happy again.  Just do what's best for the fam, even if it's hard.

Answer 4

You can try Prosper, they are an online community for lending and borrowing money. You choose the amount and a rate then people who have the money will bid for your loan.