I Feel Like Everything Is Crashing Around Me At Once...

My life has went from enjoyable and comfortable to something that I never dreamed would happen to me. 

1 year ago, my husband and I were comfortable financially. We had money to spare and were able to do pretty much whatever we wanted with it. We decided to try for another child and found out in October that I was one month pregnant. We were excited and happy to make our family bigger. 

Then everything changed in November. My husband was laid off from his job of 7 years and we were left dependent on my income, his employment insurance, child tax benefit and what savings we had. We weren't as comfortable as we were before, but we were getting by with enough money to still afford everything that we needed to live.

In January, our landlord at the time informed us that he was putting the house up for sale and advised us to look for a new place to live. We found one that was only a hundred more in rent a month plus bills, which we figured would equal out to what we were paying at our current house. So we moved into the new house, and everything was still fine, however it took all of our savings to move and we were left living pay check to pay check, which is something I never felt comfortable doing. 

In April, my doctor advised me to stop working for both my health and the unborn babies health. It wasn't something I wanted to consider because my husband was still laid off and was unable to find work - however, after fainting at work and experiencing double vision almost all the time, I knew I had to listen to her. So I stopped working May 5th. That is when everything went downhill further.

This week, my husband has had to file for bankruptcy because we cannot afford to keep up the car loan payments, as well as the cell phone payments, credit card payments, etc. My credit cards are maxed out, my bank account is empty and all of the bills are well overdue. Phone, internet and cable will be shut off by the end of the week and hydro and gas are probably next considering they both are close to 500. We just have enough money for rent  for the end of the month and diapers, but food...I just do not know where we can get that. 

I have sold everything that I can on Kijiji to try to get by, but it hasn't even made a dent in everything that we owe. I am scared that we will only have a house with no hydro or gas and I just don't know what to do.

I would like to move out again, but we signed a 1 year lease on this house and I just don't know if I can get out of the lease early and if I can, I don't know how we can afford first and last to move into a new apartment or house. 

I am at a loss as to what to do. I can't believe that I have brought my daughter into this situation and there is another child due in June. I just do not know what to do. Any advice would be very helpful. There is more at state then just losing hydro and gas. I am worried I wont be able to feed my family and I am worried about losing the relationship with my husband. I am worried about ending up on the streets and I just do not know what to do any more.
insecureandtroubled insecureandtroubled
1 Response May 22, 2012

It's very scary to think that you might not be able to take care of your family. <br />
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I assume you're a stay at home mom? With another child on the way, you probably aren't looking for a job, but you can support your husband's search for one, or help him look. Do you have any skills that would allow you to work from home?<br />
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I don't know your situation, but do you have any family or friends that could possibly help you out? <br />
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I would also advise you to cut of the luxuries. You don't really need cable or a car. I don't know you spending habits, but aside from food and baby-needs, you shouldn't be buying much else. <br />
It's hard to adapt to a new way of living, but you need to be really frugal right now. <br />
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I think, the most important thing, is to be a team with your husband. Think of this just a rough patch. You have to have faith that things will get better, and faith in each other. <br />
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Remember, you're in this together. You're stronger as a unit.