Everything is falling apart...

[Aine of the Fae]

Everything had been going so well. Mom agreed to rent the house to us and she moved in with her fiance. So we didn't have to scramble to find a place to live. Michael is getting more hours and I started a new online job doing readings. His uncle is selling us his van for really cheap.

And then today it all collapsed on me. We started getting shut off notices and huge bills for everything. Satellite tv has been shut off, we owe $800 for our heating bill, over $200 for the phone bill and the car broke down and is going to cost over $1000 to fix. I'm in panic mode, and I never panic, things always work out. But I just don't know how they're going to work now.

My mother screwed us over royally. To make things easier, she said she'd keep everything in her name, we just have to pay all the bills. Little did we know she hasn't made payments since October. The house, a four bedroom farmhouse, is run on propane heat and that runs $400 a month in the winter. Everything is just collapsing in on me and I don't know what I'm going to do. Michael's check this week is only going to be about $300. Not enough to even come close to covering what we owe to keep everything running. And I won't get my first check for my new job until February because it's monthly pay. By then we'll have run out of propane and they won't deliver more until we pay off what is owed. I can live without the satellite, I don't watch much tv anyway. But if we lose the phone? I'm screwed. My job is online, no phone and I can't get online. I already have to give up my cell phone to pay other bills. We've barely got enough to get groceries at the moment. I feel lost. I just don't know what I'm going to do.

Sorry about this. It just feels like the world is collapsing on me at the moment......

[~ Monk ~]

:hugz:

Is it possible for you to get on some kind of a payment plan for the propane? I had to do that last winter with my gas company, the bills just killed me and I wasn't prepared for it.

[Aine of the Fae]

:hugz:

Is it possible for you to get on some kind of a payment plan for the propane? I had to do that last winter with my gas company, the bills just killed me and I wasn't prepared for it.

My mother was on a payment plan for the propane. She just wasn't making the payments and now they're demanding payment in full. My mother is refusing to pay anything. She says since she doesn't live here anymore it's not her problem.

[Rockprincess]

:hugz: Ok, take a deep breath...it will be ok.

Call the companies and explain the situation - someone else was supposed to have been paying the bills, you didn't know they weren't...assure them that you absolutely will pay them, but that you can't make a lump payment, and that you need to work out a payment schedule. Let the TV go, but make arrangements with the Phone and Heating people. If the person you are speaking with won't make an arrangement with you, ask to speak to their manager, and make arrangements with them. Keep going up the ladder until you reach someone who will work with you.

You and Michael are doing things right - working and trying to pay your bills - it will work out. :huddle:

[~ Monk ~]

My mother was on a payment plan for the propane. She just wasn't making the payments and now they're demanding payment in full. My mother is refusing to pay anything. She says since she doesn't live here anymore it's not her problem.Ugh.

I wonder if there's someone there you can call to explain the situation - give them some money now and hope they'll be willing to wait just a little longer until you get more cash flowing?

It blows my mind that your mother would do this.

*edited to add: Rockprincess beat me to it. :)

[DanuMoonrunner]

Try contacting all of your utility companies and explaining the situation then get everything turned over into your name. Utility companies will usually work with you on spreading out deposits on your monthly payments. This will make your mother responsible for the back bills. Tell the phone company that your job requires a phone and that you won't be able to pay the bills if you don't have one. Tell your mother to pay the back bills as it is her credit that is being screwed up! As for the propane, you may be able to find someone with a smaller tank and take it to town and fill it up, it will cost you a little more in the long run, but will keep you in heat for awhile. I've been throuhg all that you are going through and these are some of the solutions I have used. Hope they help. Calming energies sent!!!

[Pesha]

Oh sweety hugging you so tight right now. Best I can do is light a prosperity candle for you and your family. Energies and blessings to bring you out of this and safely into joy.

BB
DS.

[13thChylde]

Awww, hon...I'm so sorry. Please let me know if there is anyway I can help. :huddle:

I'll light a candle for you when I get home.

[Aine of the Fae]

I'm doing a bit better now. Two decks I did a trade for came in the mail today and that put a smile on my face. I know things will work out, I'm just not seeing how at the moment. I've started calling the utility companies and trying to work things out, but my mother has apparently missed a lot of payments in the past and they're getting sick of it. My mother isn't even answering her phone anymore. I'm glad I bought a ton of groceries last week, before I knew about all this. We've got enough food to last two months! Water is on a well so we don't have to worry about that getting shut off and we had the electricity put in our name before all of this hit, so that is up to date as well. There's some bright lights in the darkness. I can still do readings, I'm even putting a raffle in the public marketplace. I've got old books I can sell, don't read them anymore, they're just taking up space. Michael is going to call the school district to see about subbing as a custodian. That's really good money. We'll get through it. It just kind of hit hard this morning when I turned on the TV to watch the weather channel and no satellite.....

[Desert_Yaqui]

velvetmirage--I send you lots of patience and (((strength))) You WILL get through this. I too will light a candle for you when I get home from work this afternoon.

:hugz:

[Flaire-FireStar]

:hugz: Energy, patience & warmth for you. :hugz:

[morrigen]

Isn't there some way you can set up new utility accounts in your name, hence leaving your mother with the debt she has accrued, and you starting off fresh?
You poor thing, I know the light at the end of the tunnel seems non-existant, but it is there, it's just around a curve where you can't see it right now. Just keep travelling....you'll get there in the end **hugs**

[Aine of the Fae]

Isn't there some way you can set up new utility accounts in your name, hence leaving your mother with the debt she has accrued, and you starting off fresh?
You poor thing, I know the light at the end of the tunnel seems non-existant, but it is there, it's just around a curve where you can't see it right now. Just keep travelling....you'll get there in the end **hugs**

Called the utility companies today and we're working on changing everything over, though they are giving us a problem because I've been living here for 6 1/2 years. If we had just moved in there would be no question about changing things to our name, but because I've been living here they're looking at it as if we're just changing the names around to avoid paying the bills, which is absolutely not the case, but I can see where they are coming from.

Hubby is stressing out right now, but that's not such a bad thing because when he's stressed he cleans so I have a rearranged bedroom and a really, really clean house right now! I'm doing better. I got two decks that I traded with Flora Cove for in the mail today, that gave me a smile :) and I'm calming down, all the energy coming my way is helping a lot!

We'll make it through, I think everything just got to me this morning.

Thank you so much everyone for your advice and kind words!

[morrigen]

Called the utility companies today and we're working on changing everything over, though they are giving us a problem because I've been living here for 6 1/2 years. If we had just moved in there would be no question about changing things to our name, but because I've been living here they're looking at it as if we're just changing the names around to avoid paying the bills, which is absolutely not the case, but I can see where they are coming from.

Hubby is stressing out right now, but that's not such a bad thing because when he's stressed he cleans so I have a rearranged bedroom and a really, really clean house right now! I'm doing better. I got two decks that I traded with Flora Cove for in the mail today, that gave me a smile :) and I'm calming down, all the energy coming my way is helping a lot!

We'll make it through, I think everything just got to me this morning.

Thank you so much everyone for your advice and kind words!

Yeah, I guess I can see how they would see it that way...bummer.
I'm glad to hear you're able to see the bright side of things, though.
Stay strong :hugz:

[Old Witch]

Keep working on it.......I'm sending energy ............

[Witchzee1]

You are an amazing woman Velvetmirage! :hugz: I can believe that you have such a positive attitude when you probably feel like screaming! I'm not sure that I could be as strong as you are if I were faced with the same situation.

One thing is for sure ... you've got a lot of love and support!

Sending you strength and hoping that things will get resolved quickly.
:hugz:
Z

[Hoot]

You're already making headway, (((VelvetMirage))). With your calm and positive demeanor, all the good advice here, and energy sent in support, we can all keep helping to push things back together, bit by bit.

Sending you and yours love, with energy for strength and persistance toward the best resolution.

:huddle:

[Aine of the Fae]

You are an amazing woman Velvetmirage! :hugz: I can believe that you have such a positive attitude when you probably feel like screaming! I'm not sure that I could be as strong as you are if I were faced with the same situation.

One thing is for sure ... you've got a lot of love and support!

Sending you strength and hoping that things will get resolved quickly.
:hugz:
Z

Believe me I've felt like screaming! But I also know that negativity does nothing and thinking positively helps more than most people know. Things always work out in my life, sometimes without trying, but at other times, like now, I really have to work to figure out where to go and what to do.

[~*Ginger*~]

*candle burning, energy sent*

When your talking to these companies, ask them if they have the # for any organization that might help you short term or one time with the bills.

I know that the United Way helps with light bills.

Surely with it being so cold there's bound to be some organization that would help.

Search around the net and see if you might find some non-profit organization that might help.

[Joshua]

Glad you're taking this in stride. It's importnat that you keep your situation in perspective. Look at it like this; you don't have one huge problem that is beyond your ability to handle. What you have are several small problems that are relatively easy to take care of individually. Take care of one problem, then another, then another. Baby-stepping your way out of a crisis is a lot easier than attempting to leap out of it. trust me, I know. Anyway, I'm sending stress control energy your way. Keep us posted. BB!

[WtchyChick13]

I am so sorry that I didn't see this until now! :eek:

Sweetie, you know we are here for you. I'm sorry that you are going through this. You're attitude is amazing I have to say!

Remember, need to rant a little we're here, I'm here--the gang's all here! :D

Big hugs to you and your hubby! :hugz: :hugz: :hugz:

[Autumn]

Hang in there, Energy being sent!

[Hoot]

:huddle:

[Xentor]

Glad you're taking this in stride. It's importnat that you keep your situation in perspective. Look at it like this; you don't have one huge problem that is beyond your ability to handle. What you have are several small problems that are relatively easy to take care of individually. Take care of one problem, then another, then another. Baby-stepping your way out of a crisis is a lot easier than attempting to leap out of it. trust me, I know. Anyway, I'm sending stress control energy your way. Keep us posted. BB!

Step by step, little by little, line by line. Divide and rule. One problem at a time. Start with the easy ones, it'll motivate you tackling the bigger problems.

And (((( :hugz: ))))

[Aine of the Fae]

I'm doing much better today :) Yesterday just kind of hit me hard. My husband was in shock more because I broke down than anything else. I never break down and I think he realized how tough things are when I lost it. But I also know that negativity isn't going to help any so I strive for positive thoughts. I know that things will be ok, they always are! We can't lose the house, my mother is buying it from my grandparents, no banks involved! The phone company is letting us make payments. The propane company is being a bit stubborn, but if I have to I'll contract with a new propane company. The energy you've all sent and the kind words have helped me calm down and I know I'll make it through!

[Joshua]

Good! Glad to hear it.

[Hoot]

You can do it, Aine! Some days everything just goes haywire - I often wonder if the universe doesn't want to remind us that that's how the best things start (in chaos), in order to bring out our creative side. Xentor's advice in his last post is fantastic and right on target for me today, too. (Start with the little ones first... Eureka! :lol: )

[DixieWitch]

Energies sent.

[Romani Vixen]

Energy sent... it will work out!

[Rena]

Energy to you and your husband
Staying positive is half the battle. With out it you can't stay clam and think straight. Hope things are still looking better.

[FeatherGoblinglimmer]

wow...it sounds like you handled it amazingly....i would have been a nervous wreck...

well done!!!

I'm glad you've managed to sort things out, * HUGGLES*