Memory's Flame
November 6th, 2004, 09:33 PM
Some Background first, my husband has ADD and Depression, but due to change in insurance his coverage doesn't kick in until December 1... which means he's been without Meds for a few months.
His job is driving him crazy (he has a boss who smokes lots of weed at work, and who is so drugged up on pain medication she can barely tie her shoes let alone run the store) so since he is the assistant manager he is doing both her job and his. It doesn't help that the boss' husband is the area manager, so he's dealing with HR, but it's taking a LONG time to resolve.
Then there's the fact that we only have one car and I am trying to go back to school; but it's making our transportation situation REALLY bad. We are wanting to buy a new car, but I have 0 credit, and my husband is paranoid to even try to get approved for a loan.
We own our home, we purchased it 3 years ago. We also around the same time had a car loan out for our current car, which was paid off about 1 year ago. After about 9 months of owning the home, my husband got into some trouble financially (I was an at home wife at the time) and he let his credit card payment slip, which ended in the company closing his card. He did pay off the card, within five months of closing it, and that is the only negative mark on his credit, but he's afraid that this will hold him back from being approved for a car.
My arguement for this is that we have never been late on a payment for our home, we also were never late on payment for my car which was paid off 2 years early. So I personally don't think that just one negative mark on his credit (which was 2 years ago, and paid off) will effect us too much so long as we have a decent down payment. Aside from him making a fairly good amount salary yearly. Am I correct on this?
To add to all this, before his insurance mishap, we discovered that we may have some fertility issues; but we both want children (he worse than I do I think)...
So I don't think I need to really state that his Stress level is sky high. Well; this is killing me to watch him so sad! Financially we aren't to bad, but his depression makes him think it's far worse than it is. I try to keep the house tidy and manage the bills to help alieviate some of his stress(on top of working full time), but that just doesn't seem to be enough.
Goodness I can't wait until he gets insurance again!! I can't wait for him to be himself again!
Thank you everyone for listening to me vent... I just needed to rant awhile.
His job is driving him crazy (he has a boss who smokes lots of weed at work, and who is so drugged up on pain medication she can barely tie her shoes let alone run the store) so since he is the assistant manager he is doing both her job and his. It doesn't help that the boss' husband is the area manager, so he's dealing with HR, but it's taking a LONG time to resolve.
Then there's the fact that we only have one car and I am trying to go back to school; but it's making our transportation situation REALLY bad. We are wanting to buy a new car, but I have 0 credit, and my husband is paranoid to even try to get approved for a loan.
We own our home, we purchased it 3 years ago. We also around the same time had a car loan out for our current car, which was paid off about 1 year ago. After about 9 months of owning the home, my husband got into some trouble financially (I was an at home wife at the time) and he let his credit card payment slip, which ended in the company closing his card. He did pay off the card, within five months of closing it, and that is the only negative mark on his credit, but he's afraid that this will hold him back from being approved for a car.
My arguement for this is that we have never been late on a payment for our home, we also were never late on payment for my car which was paid off 2 years early. So I personally don't think that just one negative mark on his credit (which was 2 years ago, and paid off) will effect us too much so long as we have a decent down payment. Aside from him making a fairly good amount salary yearly. Am I correct on this?
To add to all this, before his insurance mishap, we discovered that we may have some fertility issues; but we both want children (he worse than I do I think)...
So I don't think I need to really state that his Stress level is sky high. Well; this is killing me to watch him so sad! Financially we aren't to bad, but his depression makes him think it's far worse than it is. I try to keep the house tidy and manage the bills to help alieviate some of his stress(on top of working full time), but that just doesn't seem to be enough.
Goodness I can't wait until he gets insurance again!! I can't wait for him to be himself again!
Thank you everyone for listening to me vent... I just needed to rant awhile.