Financial Challenges Support Group
This community is for people who are struggling to meet financial obligations of any kind. Financial challenges include everything from the day-to-day challenges of making ends meet to managing credit card debt to bankruptcy. Get support from others who are going through similar obstacles on the road back to financial stability.
We just paid the mortgage and I'm not sure that was a good idea. the money won't be there in time. It will probably take us another week to get the money there and that will make everything else late. We are trying to survive less 1800.00 a month than we were getting as of last Dec. I have tried to increase my business to take up the shortfall. I am working too hard.
The best that will happen is it will go insufficient with our bank. The charge for that at Ally is only 9.00. The worst is that it will be returned and then that bank will charge us plus our Mortgage company so then it will be a sixty something charge.
I HATE working THIS hard only to know that it won't be enough and we will slowly slip farther and farther behind. Menopause isn't helping anything either. Prayer is helping some.
The best that will happen is it will go insufficient with our bank. The charge for that at Ally is only 9.00. The worst is that it will be returned and then that bank will charge us plus our Mortgage company so then it will be a sixty something charge.
I HATE working THIS hard only to know that it won't be enough and we will slowly slip farther and farther behind. Menopause isn't helping anything either. Prayer is helping some.
Prayer has helped me a lot during the worst of times, though I certainly worried more than was good for me or my family.
Is all the extra work into your business showing profits? Sometimes it can take a while, esp. if it is a new business. I think this recession finally seems to be moving out (from my small biz owner's perspective anyway). I am finally getting enough inquiries that I have to turn some away. Compared to 2 or 3 years ago, that is a huge swing. Hope your biz is the same way.
Do you have any home equity you can draw from? I know it can be risky, but sometimes it feels like the only way. Hugs, prayers and hoping for blessings for you ...
We are a bit behind now since we got the mortgage covered so late when we should have been building up for upcoming bills. We'll see how that goes.
We have a potential very big problem with the IRS. We discovered that our last 3 payments to the IRS were not received by them for whatever reason. They were paid by automatic bank draft. The payments went out but were not received. Problem is we didn't realize it and since my H doesn't keep a ledger the money is now not there to cover them. Yipe!!! This truly could sink us. H is going to call them and see how to straighten this mess all out. Wish us luck.
Unsecured Debt; i.e. any debt not backed up by assets such as a Car or House; is a trap. Break free from it.
I am in Debtors Anonymous in relation to my compulsive spending. So far, so good. I'm keeping my head above water, albeit through money my Grandfather had kept for me.
They sent the money somewhere... there is proof that money was sent within their ledgers... if you can see your account on-line you will be able to see that it was posted and sent...
If the payment was sent... it is the banks responsibility to make it right... those ledgers will have the info you need, if you don't bank on-line, just stop in at your local branch and they will help with it as well...