After struggling financial the first five years of marriage, we were finally starting to make it. We were having our dream home built, we had a perfect credit score (creditors were always shocked to see this), we had all our debts, other than the house, paid off, we were building savings and 401ks. We could buy nice clothing from nice stores and we could even go out to eat weekly. We were doing great. We continued on the path for a few years. Life was going great, financially.
However, my husband was not being very nice. (in other words a total jerk, we might go into that later), so we got a divorce. I went back to work. After the divorce was final, I was able to refinance my home and then able to buy a brand new car. I had savings after a year, 401K, and insurance for me and my kids. Life was good for a while.
A couple of factors came into play here. 1. I started dating loser men who would have me charge stuff to my credit cards, and then not pay me back. 2. I had family members telling me I had to go back to school because I would not be receiving child support forever. 3. Work was cutting back everyone’s hours. So I went back to school. Going back to school required me to cut back my hours even more and I lost most of my benefits. And before I knew it I was up to my ears in student loans and back into the welfare system. I HATED it!!
After about a year of school, my ex decided to do a disappearing act. (Another long story for another day.) Now I was no longer receiving child support. My ex became$40,000 behind in child support and alimony. My church leader was hesitant to help. (He thought all divorcees didn’t deserve help). My family was unable to help, and I could not get more hours at my job. I spend every month deciding the lowest amount I could pay without my house or car being taken away. I just kept holding on with the hope that once I finished school I would be able to find a job and fix things financially.
But life had another plan for me. I graduated just as Obama put a hiring freeze on all government jobs. He was also laying off a lot of people. Every job I interviewed for I was competing with people up the 20 years of experience. The job market was so bad, I was not able to even get a job in the mall.
After a few more months, I decided I had to sell my house. I was unsure where I would go or what I would do, but I knew I could no longer keep my house. I talked to my mom later that same day and she offered to let me and my children move in with her. As she is elderly, it was a win-win situation, I thought.
We moved in three months later, but all of a sudden my other family members were angry with me and judging me. I got a job. It was not in my chosen field, in fact most of my supervisors were not even high school graduates. I was getting so I could move out but it would be tight. However, mom did not want me to and I was seeing how she struggled with things. So, I stayed.
After a few years, I developed my chronic complex migraines (migraines with stroke like symptoms). I was unable to move most days. While we getting it diagnosed I went through almost every test imaginable. And I grew more and more dependent on my mom, financially and physically.
My family perceived this illness as being lazy and decided I was taking advantage of my mother. So they convinced her we did not belong there and one day we were all of a sudden kicked out. We were homeless. A long way from being on top of the world. Having my migraines and having no job it was hard for us to find a place. I was not receiving social security yet. So I went and got job where I only went in a couple of days a week. My children went to school so they could student loans so we could live. (it was still a huge struggle though) Once I got my disability I was able to quit work, because even though it was only one day a week, I couldn’t handle any more, it was still to draining for me.
We are still struggling a lot but people do not realize it. My income is $750 a month and rent is $600 plus utilities. Needless to say we are still on food stamps. I also have medicare and Medicaid. My daughter is in the process of getting disability as well, but she has no insurance. We were able to get on a program that with her psychiatric problems we pay a minimal amount for office visits and her medications. But that still takes a big chunk out. And we won’t even think about her other health problems at this time.
So, we were figuring out how to make it. We were babysitting our landlords animals, so he knocked some rent off and that helped. But then he decided to move. We have new landlords that have upped the rent and keep expecting us to do things that cost more money. We are unable to do this. We are now on a waiting list for low-income housing. We are very excited to move in there.
People are shocked when they see my with my missing teeth (because I can’t pay for regular dental check ups), my gray hair that hasn’t been cut in a while, and my crappy car, that I was once on top of the world. They do not realize how quickly life can unravel.
So before you judge me or anyone else who are in a lower economic status than you, realize that you could be here in no time at all too.