Joanne Posted January 1, 2010 Share Posted January 1, 2010 Addding up my paycheck, one week of unemployment from DH and help from some kind, generous family and friends, I made a mortgage payment yesterday! I'm still in the "trial phase" of our loan modification. They aren't accepting my paystubs/letters (I don't get paid traditionally) so I need to find a CPA to write a profit/loss statement. :confused: I don't have any $ left for other bills but I will have a poker paycheck next week and we'll get 2 weeks of unemployment on Friday. I am due child support, but can't rely on it being paid.:001_huh::glare: The only thing due to be cut off before then is my phone (internet and tv with that:lol:). And my van is overdue, I plan on making a partial payment on that. I did sleep better last night having made the mortgage payment! Quote Link to comment Share on other sites More sharing options...
TheCoffeeChick Posted January 1, 2010 Share Posted January 1, 2010 :grouphug: I am happy you were able to make your payment. Hang in there, God works in mysterious ways. I will keep on praying for you and your family. Quote Link to comment Share on other sites More sharing options...
Jen500 Posted January 1, 2010 Share Posted January 1, 2010 :grouphug: Quote Link to comment Share on other sites More sharing options...
sheryl Posted January 1, 2010 Share Posted January 1, 2010 Addding up my paycheck, one week of unemployment from DH and help from some kind, generous family and friends, I made a mortgage payment yesterday! I'm still in the "trial phase" of our loan modification. They aren't accepting my paystubs/letters (I don't get paid traditionally) so I need to find a CPA to write a profit/loss statement. :confused: I don't have any $ left for other bills but I will have a poker paycheck next week and we'll get 2 weeks of unemployment on Friday. I am due child support, but can't rely on it being paid.:001_huh::glare: The only thing due to be cut off before then is my phone (internet and tv with that:lol:). And my van is overdue, I plan on making a partial payment on that. I did sleep better last night having made the mortgage payment! Joanne~ PTL! I'm sure you've done this, but retailers and such used to make "payment plans". I don't know about now with the financial crisis we are still seemingly faced with, but that may be worth checking into. :grouphug: and prayers! Sheryl <>< Quote Link to comment Share on other sites More sharing options...
Joanne Posted January 1, 2010 Author Share Posted January 1, 2010 I'm sure you've done this, but retailers and such used to make "payment plans". Thank you for the suggestion. :) None of my pending bills or debt is retail based. A lot of it is medical (and legal, unfortunately). Quote Link to comment Share on other sites More sharing options...
Harriet Vane Posted January 1, 2010 Share Posted January 1, 2010 I'm glad you were able to make a payment. Praying for continued grace in this area and meaningful employment for your dh. :grouphug: Quote Link to comment Share on other sites More sharing options...
Jean in Newcastle Posted January 1, 2010 Share Posted January 1, 2010 That's great! I know how stressful it is to not know if you can make a payment. I hope it all gets worked out. Quote Link to comment Share on other sites More sharing options...
Guest janainaz Posted January 1, 2010 Share Posted January 1, 2010 That is good to hear. Hang in there and take it one moment and day at a time. :) Quote Link to comment Share on other sites More sharing options...
OnTheBrink Posted January 1, 2010 Share Posted January 1, 2010 I don't know how you've financed your van, but, several years ago when we were having financial difficulties, we spoke to the finance company (Ford Credit) and they agreed to allow us one month of no payment, and just tack it on to the end of the payment schedule. So, instead of the car being paid off in June, it was paid off in July. Can't hurt to ask! Quote Link to comment Share on other sites More sharing options...
DesertDweller Posted January 1, 2010 Share Posted January 1, 2010 I'm still in the "trial phase" of our loan modification. They aren't accepting my paystubs/letters (I don't get paid traditionally) so I need to find a CPA to write a profit/loss statement. :confused: I don't know all the details of your employment situation, but while you may not be employed in the traditional sense, it doesn't sound like you are self-employed. I can give you a sample Profit/Loss statement that I had to do for our lender. We are self-employed, so some categories won't apply to your situation. But, maybe you can use it to work up one yourself based on your income and job related expenses. A good accountant can do one for you, but since your already short on funds, I doubt you need the added expense. I'll see if I can PM this to you. I did ours from January 1, 2009-November 30, 2009 because I didn't have December yet. You should be able to do the whole year. Quote Link to comment Share on other sites More sharing options...
Mama Lynx Posted January 1, 2010 Share Posted January 1, 2010 I don't know how you've financed your van, but, several years ago when we were having financial difficulties, we spoke to the finance company (Ford Credit) and they agreed to allow us one month of no payment, and just tack it on to the end of the payment schedule. So, instead of the car being paid off in June, it was paid off in July. Can't hurt to ask! Toyota, definitely, will do this. And you can pay very, very little on medical bills, as well. Quote Link to comment Share on other sites More sharing options...
Mommyof4ks Posted January 1, 2010 Share Posted January 1, 2010 Don't let the medical bills burden you. If they go to collections it will not affect your credit nor will there be any finance charges or late fees. The only thing would be that you would need to find new docs until you got that cleared up with the current docs. :grouphug: Glad you made the mortgage payment! Quote Link to comment Share on other sites More sharing options...
hillfarm Posted January 1, 2010 Share Posted January 1, 2010 Be sure to communicate with your debt companies. Let them know that you are in a very tight situation and see which ones might allow you a few months grace or significantly reduce payments for a while. And don't hesitate to take full advantage of any social services for which you are qualified. You have paid into this system all your life (or I have and I hereby authorize YOU to take advantage of what I have paid in!:D) When we relocated from Florida to Ohio, we had several months of downtime between the lapse in our old insurance coverage and our new coverage. We signed our toddler dd up for a CHIPS program (Children and Infant health insurance program). I felt that with her unsteady little legs it was way too likely that she might have a bad fall and require medical care. Dh and I did without during that time. So don't forget to check into that for your dc. And various county health departments often have low/no cost health care available, so don't forget that. I wish you the very best. You are strong and capable and will pull out of this eventually. Don't be discouraged. As of today, you have a fresh, new sheet of paper on which to write your life for the coming year. It won't be perfect, but it may very well be better. Quote Link to comment Share on other sites More sharing options...
laughing lioness Posted January 2, 2010 Share Posted January 2, 2010 I'm so glad!! You have been on my mind all week- I will keep praying! Quote Link to comment Share on other sites More sharing options...
jenL Posted January 2, 2010 Share Posted January 2, 2010 One step at a time... you're doing great! Still praying for you!!!! :grouphug: Quote Link to comment Share on other sites More sharing options...
Anne Posted January 2, 2010 Share Posted January 2, 2010 Glad to hear your good news, Joanne - I'm keeping you in prayer!! :grouphug: Anne Quote Link to comment Share on other sites More sharing options...
tex-mex Posted January 2, 2010 Share Posted January 2, 2010 :grouphug: I am happy you were able to make your payment. Hang in there, God works in mysterious ways. I will keep on praying for you and your family. :grouphug::grouphug: Quote Link to comment Share on other sites More sharing options...
happygrrl Posted January 2, 2010 Share Posted January 2, 2010 I have SO been there! :grouphug: Quote Link to comment Share on other sites More sharing options...
coffeefreak Posted January 2, 2010 Share Posted January 2, 2010 Joanne, When we were unemployed there was a program where the Fed Govt paid all the taxes on our phone bill. It brought our monthly home phone bill with no extras (caller Id, Voice Mail etc) down to $14 a month. If it's a cell you're talking about, I guess that would be different. We were on that program for two years even though we notified them when we were employed again. It was actually VERY helpful. We were automatically signed up through the LIHEAP program that also paid for our heat through the winter. I don't know if that one is Federal or not, but it's worth looking into what your state has. BTDT twice. Stay strong, God will provide! Blessings! Dorinda PS Medical bills that get sent to collections DO accrue interest and extra charges. However, sometimes the state will help pay for those or help you file forms to hold them off. The other thing is, medical bills usually bring your total income down when you're applying for assistance. That might work to your advantage if you're trying to get food stamps or other assistance. Quote Link to comment Share on other sites More sharing options...
RoughCollie Posted January 2, 2010 Share Posted January 2, 2010 They aren't accepting my paystubs/letters (I don't get paid traditionally) so I need to find a CPA to write a profit/loss statement. You don't need a CPA. A P & L is simply a statement of income, with expenses incurred in earning that income subtracted from it. PM me if you need help with this. I am an accountant. RC Quote Link to comment Share on other sites More sharing options...
elegantlion Posted January 2, 2010 Share Posted January 2, 2010 May 2010 be profitable for you in beautiful ways you can not yet imagine. :grouphug: Quote Link to comment Share on other sites More sharing options...
Recommended Posts
Join the conversation
You can post now and register later. If you have an account, sign in now to post with your account.