I can pay my light bill if I don't pay my car note. Which by me is fine. I'd rather have electricity.
Here's my dilemma though... We are so far behind b/c in December DH got his hours drastically cut back and then in January our health insurance premiums were raised by $125 a month. They promised dh a raise of $1.50 an hour which would have covered this easy and put him bringing home extra money but as of today's paycheck still no raise. So here we are deeper and deeper in debt and we keep having to spend more and more on gas for our vehicles. We live in the sticks and my commute to the nearest doctor's office or grocery store is 65 miles round trip. Dh's commute to work is 90 miles round trip.
What would happen at this point if I let my vehicle go back?? I just don't see how we can afford the note anymore. Even If I went back to work full time 40 hours a week I would only be making $400 a month by the time I pay for gas, Income Taxes and babysitting for my 2 kids.. my car note is more than that.
What do you think?? I'm going to try and meet with my attorney to see if he will discuss this with me. After the trustee took our income tax refund this year we are now at 88% payback so I realize if I let my car go back it may raise our payment somewhat but it shouldn't much right since we are so close to 100%??
Alright, let me have it...all your thoughts on this whole situation. Dh was offered a job making 150K per year which is twice what he currently makes but they don't offer health insurance and me and the kids really need the insurance. I would be scared to death to go without it and due to my multiple health problems I can't get any insurance to cover me except a group plan through an employer so changing jobs isn't an option.
Here's my dilemma though... We are so far behind b/c in December DH got his hours drastically cut back and then in January our health insurance premiums were raised by $125 a month. They promised dh a raise of $1.50 an hour which would have covered this easy and put him bringing home extra money but as of today's paycheck still no raise. So here we are deeper and deeper in debt and we keep having to spend more and more on gas for our vehicles. We live in the sticks and my commute to the nearest doctor's office or grocery store is 65 miles round trip. Dh's commute to work is 90 miles round trip.
What would happen at this point if I let my vehicle go back?? I just don't see how we can afford the note anymore. Even If I went back to work full time 40 hours a week I would only be making $400 a month by the time I pay for gas, Income Taxes and babysitting for my 2 kids.. my car note is more than that.
What do you think?? I'm going to try and meet with my attorney to see if he will discuss this with me. After the trustee took our income tax refund this year we are now at 88% payback so I realize if I let my car go back it may raise our payment somewhat but it shouldn't much right since we are so close to 100%??
Alright, let me have it...all your thoughts on this whole situation. Dh was offered a job making 150K per year which is twice what he currently makes but they don't offer health insurance and me and the kids really need the insurance. I would be scared to death to go without it and due to my multiple health problems I can't get any insurance to cover me except a group plan through an employer so changing jobs isn't an option.
And I swear to you if they don't give dh his raise soon he will be looking for other employment. This is getting ridiculous. I'm cutting some things in our budget in the meantime though to help alleviate some stress off of me.
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