I'm drowning. Financially, I'm completely overwhelmed. I still haven't been able to catch up from the extra costs of summer child care, and I have to pay $150 for Sylvia's choir costs, and $75 for Riley's drum lessons, and all these extra little things that are just adding up to too much for me right now.
And now, a past creditor has come back to haunt me. From the X days. All the bills are in my name because, of course, that's why he was with me. I had a good credit rep at the time.
The best part about us having moved so often was because it was taking these people forever to find me. And now we're coming up on the 7-year mark so the ones that can find me...well, here we are.
I was just keeping my head above water for some time. But now, I'm slipping. There is no place to go. No reserves to tap into. I'm 36 years old, and I have nothing. I have an 8-yr-old car that is thankfully paid off with my parents' help. And I have credit cards almost maxed out.
And all I can do right now is listen to "Totally F**ed" from Spring Awakening on repeat. Because this is the moment I know.
**UPDATE: Okay, I've taken the song off repeat. I checked my credit report and have found that almost everything from the X days has fallen off my record, and it looks like my report should be completely clear of negative items by the end of this year.
I'm still broke, but no more broke than I thought I was yesterday. I just won't be able to get insurance from the company I wanted.
I'm not real sure how long it will take for me to feel financially secure again, and the thing that really concerns me is that it will only last until next summer when my child care costs quadruple again, but I think I'm only partially f**ed now.
Thanks for your support!