That sucks Kay, I am sorry you have too much going on right now, that sounds awful! I don't have any credit cards and never have so hearing this makes me even MORE grateful that they never hooked me so to speak. She had no right to be so mean to you. I am glad you told her off, you were honest and told them the truth and instead of respecting that they get greedy. Story of life I'm afraid.

It's no wonder you felt bad afterwards, but what matters is that you're safe, I know how frustrating it is living check to check with nothing for savings and having to get personal loans just to make it through the month. It SUCKS. It's Stressful and it's gut wrenching, I hope things improve for you soon. Hang in there!

Dear Kay

i'm sorry you had to deal with that nasty woman, i think once things go to collections they want the ppl to be more pushy and aggressive - not at all like customer service. but that is no reason not to look facts in the eye, she sounded well overboard. those encounters can really shake me up bad. i hope you were ok. and i hope you find a way to work things out. your hubby sounds like he needs to be on a financial leash... would he agree to letting you manage all of your combined monies?

hoping you are feeling better these days too.

(((hugs)))

~ waves ~

I used to work for a company like Mari was talking about. But we were
a for profit company. I was the computer person that mailed all the checks
and other things. I also know that there is some kind of form you can
get that once you sign it and send it I believe to the company they
aren't allowed to call and harrass you anymore.

So I would do some research if I were you on that.

I also would do some research on a company to help with the bills.
I personally would love to have that myself right now. But hubby
wont allow it.

donna

Thank you!

We have a joint account and I manage all the money. If you can call it management. My husband hasn't written a check in years.

I actually tried to use one of those credit counseling agencies, but a couple of my creditors wouldn't participate (including the one I had that bad experience with). The monthly payment amount they came up with at the time was too high.

This month we had to pay about $300 in excise tax, then the $200 for hubby's credit card, and he spent $150 on something for his work truck (this we have to wait to be reimbursed for). So goes the safety cushion...

Today is Mother's Day. My mom passed away 14 years ago, but I call and send cards to my 2 aunts and grandma.
My husband goes to the cemetery with his mother every year, and she always wants to go to a pretty expensive restaurant. His sister is not joining this year, so won't be able to split the cost. Both hubby and MIL are big drinkers... one year he spent $100.
We can't afford it this year. I asked him a couple of days ago to call her and ask if she wanted me to make lunch instead, but he wouldn't call. I made her her favorite cookies.
I kept asking him to promise me that they won't go to that restaurant, reminding him we have no money. Last night he finally agreed.
He's mad at me because he feels like I'm always mad at him, and is barely speaking to me today. I am mad at him, but it's more not feeling well and extreme anxiety about money.
He has to go away for work tomorrow and won't be back until late Wednesday. He will be reimbursed for his expenses, but I'm worried about him getting stranded so far away without access to money.

A woke up last night with an anxiety attack... took a prn ativan... how the hell does that happen?!
I'm not taking any more decongestants. I'm more concerned with my level of anxiety. I do have to keep taking the albuterol prn though.

I'm a total mess right now. I'm so uncomfortable I can barely sit still...
I'm seeing pdoc Tuesday- I don't expect much help there.

I am glad that your hubby agreed to not spend the extra money.
It is hard when you have to fork over money then wait to get reimbursed.
my girl friend has this with her hubby's work. Hard to budget.
How are you feeling today? Maybe you can take in some notes of things that you want to talk about specifically to your therapist, guide what you discuss. maybe that might help you feel that she is helping you?
take care of yourself because no one else is going to do that.
((((HUGS))))
bizi
mucinex alone is an expectorant, should not have an stimulating ingredients. I swear it preventing me from getting pnemonia.

yes. so like buy "the kind without the letters" as Bobby calls it - just "Mucinex" not "Mucinex DM" or "MuCinex D" or [whatever they come up with next] ... "DM" formulations are sometimes named for DextroMethorphan in it, that could cause agitation in sensitive subjects. The D's are usually decongestants and it depends on the kind, those can be stimulating. so get the plain stuff - you must drink lots of water for this to work. guaifenesin is mucolytic... renders your secretions thinner and easier to expel, but it can't work if you don't give it water to work with......

hope you feel better

~ waves ~

ps. bizi are you sick again or just allergy season hitting you?

no sweetie, the only thing wrong with me these days is my arm and my knee. both of which are worrysome.
blah blah blah
bizi

So, my husband promised not to take his mother to that restaurant...
But he did- he spent over $60. It probably would have been more, but his sister did go, too. So, the bill must have been about $120 for the 3 of them.
I'm ******. He just can't say no to her, and I feel like he did it just to spite me.

He was barely speaking to me when he left, and was worse when he came home. I made attempts to talk to him, but he was not willing. Apparently his life is miserable. I'm very dissatisfied with many things, but didn't want to get into a blow out. Didn't want to fight- couldn't handle it. I knew he took his mom to the restaurant he promised not to- he didn't mention it and I didn't want to bring it up again. Mother's day is not a happy day for me. My mother is dead, so is her mother. I desperately want children, but it would be impossible for me to take care of them because of my handicaps.

He left for his business trip this morning and won't be back until late Wednesday night. So, he left on bad terms. Maybe he'll sit in his hotel room and get angrier or maybe miss me.
I feel like he resents me because I got sick, can't work, and we're always in financial stress because of it. I know I blame myself, but to say life is miserable... because were dirt poor?
-----

I'm not taking anything for my allergies right now. I'm only using my inhaler prn. I've spent enough money on OTCs that didn't work out.
-----

I see the pdoc tomorrow. We're going to discuss a probable lithium increase, and I'll tell her about my depression and anxiety. I also have to address her behavior at our last appointment. I'm not looking forward to that- the confrontation is making my anxiety skyrocket, but I can't let it go, it has to be addressed.

I'm not seeing a therapist right now because my regular tdoc is still on medical leave and the interim tdoc was not a good fit.

I'm going to call my BF when she gets home from work to talk about the situation with my husband. We went out Saturday, so she is already in the loop...
----

I'll probably just hide out at home with the blinds closed while my husband is away... aside from going to my appointment tomorrow.
I'm trying to figure out what I'll do for food while he's gone. I'm not cooking the way I usually do just for myself. I usually just make veggies while I'm alone, but doing that would require a trip to the store. I'll figure something out.

you have so much on your plate. I am sorry that your husband did that but he sounds like a tender guy. I don't think he did it out of spite. You are on disability right? so you are bringing in money. Your job is to take care of yourself and try to eliminate as much stress as possible. Can you do anything that relaxes you? right now i am taking mediation with imagery over the phone. I could probably do it by myself if I check out the net for images etc.
It is a lot of breaathing in thru the nose and out thru the nose. It gets to be calming. there is also something called tai chai easy. there are demonstrations on youtube and you do it seated
bobby

oh kay,
you do have so much on your plate. I am sorry that you guys left on bad terms could you call him? and just tell him that you love him thru thick and thin ...that you guys will make it work out..can you text him?
I don't know....
sorry to hear about your depression...
it sucks being alone when you are depressed.
can you get out and jsut people watch at a mall or a park to be around other people so you won;'t feel so alone?
hugs to you dear kay
((((((((HUGS))))))))
bizi