Rough Times... Have any advice or words of assurance?
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It is always hard when you are dealing with financial issues. I would say to sit down with your landlord and explain to him that your husband was laid off but has a new job, and that you are looking for one as well. Let him know your exact situation and try to work out some sort of agreement. If he is any kind of human being he should work with you. As far as your other bills, simply pay what you can. Get all your bills together and make a list of them. Rank them in order of importance and try to pay them accordingly. Call the companies and tell them your situations. Some will work with you and others won't. I found when we were having similar problems that if you are persistent, you will eventually get some relief. So keep calling and talking to them. At least then they know you are concerned about the situation and are not just trying to avoid paying all together. My mother has been talking to a credit card company for over a year about her bill and just recently they agreed to help her. Her persistence finally paid off!!!
Another suggestion would be to find ways to make extra money. Have a yard sale, cash in cans and bottles, do odd jobs for people in your area, sell on Ebay, etc. Also find ways to save. Get rid of everything that is not a necessity...cable, cell phone service, salon visits, even your daily coffee or coke habit. Every little bit helps!
You might also try a payday loan. If your husband is getting paid within the month you can apply for up to $1500. Once your husband's check is deposited into your checking account, they will take the money out. You can file for extensions to repay over time as well. This is a costly way of getting the money you need, but it is fast and in most cases you don't even have to have good credit to apply.
Another suggestion would be to find a local charity. I know this sounds bad! No one wants to be a charity case but sometimes it is unavoidable. I know of many churches who have funds set aside to help families in need and are just waiting for people to ask for help. When you get back on your feet, give a donation of your time or money as repayment. This way it helps you feel better about the whole experience.
Finally, good old fashioned prayer always helps. Whether you are a deeply religious person or not, it is always comforting to offer up your prayers and concerns. In my case, I don't know how I would have made it through all I have without having the Lord in my life. He is my true provider, comforter, and friend. Others may put their faith in other higher beings. That is their choice. It is just easier to get through life knowing that you are not alone.
Hope this helps. I will keep you in my thoughts and prayers!
Persevere.
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