OT-so stressed about money right now...

[cnhauk]

DH and I are applying for a mortgage for a house we already live in. We got a private mortgage last February through a family friend (she basically lent us the money to buy our house till DH improved his credit score, and now we need to pay her back), and the mortgage specialist says it will be very tight. We hadn't paid our taxes (school, property, etc) because we were anticipating paying them once the loan went through, which it should have 6 months ago but DH's credit was still not good enough. So now we just had to write a check for $400 from my account, a check for $800 from his account and withdrawl $400 cash from his business account, and we STILL owe about $2900 that we need to charge to credit cards (we zeroed out all our accounts with the $1600). We were hoping to have about $4500 extra from the loan once we paid off the mortgage and closing costs, etc, to pay off some credit cards and did a few home improvements, but now we are only able to get a loan for the exact amount we owe. On top of that, my car inspection is due at the end of March, and income taxes are coming due in April and I think we will owe in.. I am so stressed about all of this, and I just hope it doesn't affect my body too much that I don't conceive this month... Sorry for the rant and sorry if it's confusing. My mind is going a million miles an hour..

[cnhauk]

Things should be straightened out with money by March or April, it's just these next few weeks will be really tight and frustrating. Once we get this mortgage, figure out our income taxes and get my car inspected (which hopefully won't need anything major since I just had work done a few months ago) it'll be back to normal, building our savings, paying bills, etc.

[Clysta]

I'm sorry things are so stressful right now. I hope that things get better for you soon and you get all your financial troubles sorted. Have you considered waiting to conceive until things are more sorted? Having a baby can add even more strain and cost a lot of money as well and might just cause you both more stress and trouble.