I'm freaking out..

[lildreamer316]

Husband finally got the job he's been waiting since last September for (he was basically without work for five months,and has had a job that pays very very little for the last five and a half). It's a new club that was supposed to open in January (that's when his first interview was) but has been delayed and delayed. Now they're opening next Thursday (for sure). We've managed to make it this far, but now we have $700 worth of bills due next week that we have no hope of getting the money together for. Literally, no hope. It so frustrating I'm crying. We can see the light at the end of the tunnel, but there's a huge, uncrossable sinkhole right in front of us.

Please vibe for us. We need a miracle.
Sorry to complain. I just needed to vent.

[Mojambo]

1. Hang in there. n/t

[jeff30997]

2. No need to bee sorry lildreamer.

Sending you all the good vibes I have left: ((((GOOD VIBES))))
I hope that everything will be OK. :pals:

[lightningandsnow]

3. Sending you lots of vibes and pink, sparkly hugs.

:hug:

[femmocrat]

4. Sending positive vibes your way, lildreamer.

I hope things will improve for you and your husband very soon. :hug:

[BlueIris]

5. ((((( lild and husband of lild )))))

I will be doing a special candle blessing for you later.

[lildreamer316]

6. ...

Thank you so much, friend.
You are always so supportive.
:hug:

[BlueIris]

12. Well, I try. Not always sure how much it helps you though!

Don't know how great at luck-generating I am. :-) The spell will have to wait 'till this afternoon (the moon is VoC right now) but then I will get right on it.

[MorningGlow]

7. It'll work!

Don't ask me how, but it'll work! You've come this far, LD, through so much--this last hurdle is nothing--just a few days. Can he get an advance on his salary perhaps?

In any case, {{{vibes}}} and light to you and hubby! :hug:

[lildreamer316]

8. We already did that.

He gets paid at the other job on the 15th and the 30th. He got the paycheck he would have gotten today last week so that we could pay the bills due up to today.
See what I mean?
I really hope the Universe has got something up its' sleeve. I guess I'm supposed to really learn trust now??
Thanks.. :hug:

[MorningGlow]

10. Yep! JUMP!!

No, not off the cliff! TRUST!

I mean hell, what's $700 in the grand scheme of things? PEANUTS.

It'll work. I mean it. :hug:

[Mr. Ected]

9. lildreamer, have you contacted your creditors about these bills?

I'm sure you have, but your circumstances have been dire, a remedy is in place, and your bill payments will soon be back on track.

There's a lot more goodwill right now due to the collapsing economy. Many otherwise heartless creditors are willing to work things out. You're a beautiful and compassionate woman. Make your case. You're loved on DU, and sometimes, that glow is perceived by those in accounts receivable. $700 is not an insurmountable mountain. You've hung in there thusfar; keep your chin up and you will perservere.

All the best vibes to you and your husband. One day this will be but a memory...supplanted by multitudes of success.


:hug:

[lildreamer316]

11. Sorta.

One is electric bill. I *think* they will work with us, but we just finished a payment arrangement and last time that we had to do two payment arrangements back to back, they threatend to not allow us to do it. I'm going to attempt to find out about that today.

The other big bill is a storage unit I've had since 2001. It has stuff from my mother's now-destroyed-by-new-highway house in it. We owe a ridic amount and it goes to auction on the day my husband goes to his new job. When I went by the office the other day, a sign said that no partial payments would be allowed on late accounts. That's when I freaked.

Then I've got a check I wrote that will not clear,but that's not the complete end of the world. They'll charge me a $39.00 fee at the bank and the place will probably re-try to cash the check a week later. But we're already in the negative and I'm worried about the account. I'm going to call them today (bank) and make sure they are aware of the situation (I've got a really cool credit union).

Sorry if TMI. It's very crazy.

[Mr. Ected]

13. Could your credit union extend a line of credit to you on your checking account?

They seem to be much more liberal in allowing that than the Bank of Americas of the world.

Even a $500 line of credit would save your day. $300. $100.

And speaking of that sign at the storage facility...that may be their "official" stance, but again, your circumstances are about to change...imminently...and I would muster up all my courage and try to convince them to work with you this final time. The fact that they've derived monthly payments from you for 8 years now should account for something. Let's face it: all they've done is collect checks from you for year after year; they haven't had to try to sell that space to anyone. Talk about easy money.

Good luck to you. I've been in your position, on and off again, for 11 years, living paycheck to paycheck, and it's scary. I've learned to beg and plead for mercy, even though it feels like it's embarrassing and dehumanizing. Big whoop. It's just money. Keep it in perspective. This, too, will pass.

[lildreamer316]

24. I hope

we can talk to the storage ppl. Going to try for that tommorrow.
If they don't budge, then I go to the bank.
No, I'm not too proud to beg (la la la la).

I've been saying that all day: "This too will pass!"

Thanks for the advice, I'm calmer now.

[BlueIris]

14. FWIW,

what I'm getting is that...um...you won't exactly get all of the money in time (to pay all the bills) but that whatever happens, your credit scores won't be adversely affected. So whatever happens, it doesn't feel like the aftermath does too much damage to your credit rating at least. May not protect you from all the consequences, but you might be spared bad long-term issues here.

[lildreamer316]

15. Thanks. Honestly,

my credit rating is not my huge stress; I just don't want to lose all my stuff and my parent's stuff at the storage unit. And I don't want my electric to be shut off!
Goodness, this is absolutely crazy.

[BlueIris]

16. Okay. What I get

re: your & parents' stuff is "No" (as in, you won't lose it) and "Yes" re: the electricity (sorry).

[anneboleyn]

26. I would try to remove your items from storage and forget that bill for now

as it is very low priority compared to the electric bill, etc. Concentrate on those instead. Hopefully they will work out a payment plan for you. Explain your situation and say that you will be able to make a bigger payment soon (once your husband gets a paycheck). Try giving them a specific date for the larger payment -- this worked for a friend of mine so you could try it out.

[mnhtnbb]

17. Make a list of your friends/relatives that have money. You must know

someone who can loan you $1000. Explain the situation. Offer to pay 3-4% interest and sign a note
and make payments (and do it) over 4-6 months.

Screw up your courage and ask for help.

Good luck.

:hug:

[lildreamer316]

18. All

realatives live over three hours away and would think I was drug-addicted or something if I ask for money. It is not done in our family, and the ones I would consider asking do not have it anyway - been out of work also.

Any friends I could have asked I have asked before. I really can't again.

But thanks for the good wishes. I'm trying to let it go.
:hug:

[suninvited]

19. concentrate on the electric

once your husband gets a paycheck coming in, you can pay your storage up. They have to give notice before they can auction off the things in there (which is why they wont take partial payments) There are laws to protect you there, and you didnt mention that they have already started publishing public notice to auction.

[mix]

20. i hope it works out, positive vibes for you and family

:hug:

[lildreamer316]

21. Thanks, mix

He's been a gentleman's club dj for 17-18 yrs and a tech (trance, prog house,house, breaks, electro) dj for 11. He finally got a good gentleman's club gig that is friggin' 10 min from the house (before this he was driving between two and five hours to work - before he lost those gigs last year).
I'm a bit calmer now. As you know, music always helps :)

[Dangerously Amused]

22. Best positive energy to you...

Always, but especially now.

[lildreamer316]

23. Hey you!

Thank you so very much. I'm honored.
I'm a little calmer now; was a bit panicked there. Attempting to resist the call of the Xanex.
All I can do is hope, and I'm doing that mightily.
Hope you are well.

[BelleCarolinaPeridot]

25. Hang in there ok?

:hug: Its so hard in the Triad area right now.

[Haole Girl]

27. Sending many good vibes!!

:hug: :loveya: