Well, here is a little more information about me and my situation. Married, two kids, college age, both attending college, one has a full-ride scholarship, the other some very decent scholarships and financial aide.
My husband and I, married 23 years. Whew! Hard to believe a life-time has gone by. Our marriage, well, I would rate it as pretty bland. There is not a lot of love in it, there is very little sharing, or even friendship. My husband believes in the institution of marriage so is loyal to “marriage”, but fails miserably at the inner workings. In my book, we really don’t have much of a “marriage” really. We live in the same house, and are tied to each other by vows spoken oh so long ago. But the bond is hollow, the bindings have corroded with hurt, stress, and the almighty debt! We live together, but pretty much have separate lives.
Neither of us are big spenders…
We have only what we really need, and maybe just a little more. We have computer access and several home computers. Cell phones on a family plan with our two children. Direct TV, basic, a car for both of our children, one for each of us, and a truck. My husband does have a shop full of woodworking equipment, a sawmill, a large truck with a hydraulic arm, but nothing new. All of that equipment was purchased over five years ago. We have a nice home on seven acres with several out-buildings. We purchased it for a reasonable price of $175,000 over eight years ago. We don’t have play things like a lot of families do, like four wheelers, campers, boats, etc.
So what happened…
I seriously do not know. When I look back over my extensive records of our finances, the money just goes to pay all the bills, debt and basic living. Are we living beyond our means? Maybe, but not like a lot of other people are. We really just live quite simply. We don’t even entertain, or spend money on entertainment. We are pretty boring, stay at home people.
A few bumps we have had…
Four and a half years ago, I was diagnosed with Breast Cancer. I fought it, and I WON! I have been cancer free for that amount of time. We have double coverage insurance from our jobs, so most of our medical was covered. I was off work and received disability insurance payments during the time, though our income was reduced for a period there.
Then a year ago, after having fought cancer, gotten my health back, and returned to work full-time, I was bumped out of my job and had to take a pay reduction of $900 per month, ouch!
On top of that, both my husband and I have been subject to Furlough days the last year and future years to come. So, lets see, that amounts to about another $200 to $400 per month out of our salaries! Yeah, nice huh. Anything to help the current economy recover.
So, as you can see, we did have some major upsets over the last several years. These have contributed greatly to our financial state. Just when I think its getting better, something new hits! Please, oh please let it stop! I am digging my way back out of this hole, day, by, day!
Till next time, visit often, stay long, leave happy!