I hesitate to suggest but have you done or tried some of the obvious already? - talk to your mortgage holder and make interest only payments - refinance for a lower rate and/or extend your payments
Already been through that. No more options left except pay the mortgage. We had been in litigation with a telephone company in our business who owed us $250,000 of which $75k was mine. They litigated us to death and now all the plaitinfs are settling for 1/3 of the money, and it's coming in slowly. So we've been in a bad financial place since last August.
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- W gets a part time job that accomodates her massage schedules
Right.
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- do your kids contribute? after school jobs?
D12 is too young, D17 has been sick with Mono and really can't help.
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- cut the extras out of your budget, don't be afraid to say no
Been doing that.
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- consolidation loan
Nobody would give me that - been on the rocks with credit for a while.
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- use MasterCard to pay Visa
Already done that kind of floating.
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- use coupons to shop
This has always been a sore point with me. For YEARS I've always suggested to W she clip coupons because when I was younger I had friends whose mom was a big coupon clipper and saved a lot of money. W just never made the effort.
A couple months ago she actually started to do it on her own. Not a lot of coupons but she is saving money now.
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- shop at the used clothes store
I don't buy clothes often. I can't stop W from shopping at stores she has credit cards with but at least she is not buying a lot these days.
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- have a rummage sale/sell on ebay
Thought about this. We might make a few hundred dollars but we don't have much to sell that wouldn't be 'giving it away'.
Thanks for the suggestions. We're going to survive because I'll do the hard work to make it work. As W is getting more and ore angry with me because as part of MY LRT I don't talk to her much, and when I do I try to keep it neutral in tone, and cut it short. She isn't liking that at all.
