Such an odd and perplexing day. I am thankful for our new puppy Layla, she is bringing some giggles and entertainment in a tense time. Here is what I did today:
Kept the dog and the music down low as Hubs was on the phone with 6 different people in offices asking him detailed questions about our work history, current expenses, life style and bank accounts. We are 2 months away from being out of savings to pay our house payment. He makes exactly $300 more a month than our house pmt. We've survived so far by slowly pulling from savings but it will be gone in March. Crazy times.
Here's the crazy part.....The agencies could help, but only when we have missed at least 2 house payments! Hubs has been an uber responsible and honest to a fault man all his life. Especially regarding money and never missing or being late on paying what he owes. To wait until we default on our house pmt simply does not fit in his brain or character.
But that does not count in his favor at all.
We are thankful that we have no debt or credit card bills. Like I said, we are careful, and living on ministry income makes you want to do the right thing with every penny. We have. But we also did not set up a retirement plan at all. Don't know what we were thinking. Naive and sure that we would be happily ministering to people for all of our days until death. But ministry does not equal $$. Like I said, we were not thinking.
One agency suggested we refinance our home. Another call was made, this time a conference call between agency man and house loan people. Ironically we do not qualify for a refi because we do not make enough $$.
Aargh!
Sorry for dumping this on you kind readers. There is nothing you can or should do, but you already have. You have been a place I could talk about my day. My very strange and perplexing day.
Thank you.
Kept the dog and the music down low as Hubs was on the phone with 6 different people in offices asking him detailed questions about our work history, current expenses, life style and bank accounts. We are 2 months away from being out of savings to pay our house payment. He makes exactly $300 more a month than our house pmt. We've survived so far by slowly pulling from savings but it will be gone in March. Crazy times.
Here's the crazy part.....The agencies could help, but only when we have missed at least 2 house payments! Hubs has been an uber responsible and honest to a fault man all his life. Especially regarding money and never missing or being late on paying what he owes. To wait until we default on our house pmt simply does not fit in his brain or character.
But that does not count in his favor at all.
We are thankful that we have no debt or credit card bills. Like I said, we are careful, and living on ministry income makes you want to do the right thing with every penny. We have. But we also did not set up a retirement plan at all. Don't know what we were thinking. Naive and sure that we would be happily ministering to people for all of our days until death. But ministry does not equal $$. Like I said, we were not thinking.
One agency suggested we refinance our home. Another call was made, this time a conference call between agency man and house loan people. Ironically we do not qualify for a refi because we do not make enough $$.
Aargh!
Sorry for dumping this on you kind readers. There is nothing you can or should do, but you already have. You have been a place I could talk about my day. My very strange and perplexing day.
