Hi I'm new here and was hoping someone may be able to at least give me some kind of reassurance. Some help and advice would be great as well.
So here it goes. When we got married 6 years ago I had no credit but very little debt. My wife was just the opposite huge amount of debt (student loan, car loan and credit cards) but very good credit. We have pretty much lived within our means sometimes going a little overboard. We lived paycheck to paycheck for the first three years. Then we decided it would be best to try and change that. We moved in with her mom to be able to pay off some of the debt and put money away. It also helped her mom who was struggling as we helped pay the mortgage and other expenses. After three years we payed quite a bit down and some we managed to pay off. We even built a nice little nest egg for a house of our own.
Then everything came tumbling down in a matter of just a few months. Last December I was diagnosed with stage 2 testicular cancer. Thankfully it looks like I will make a full recovery. Still waiting for pathology results from my latest surgery.
Anyway my biggest fear right now is that we will never get back on our feet financially. The insurance we have is pretty lousy to put it nicely. So we've been stuck with most of the bills. We've already burned through all our savings and maxed out the cards we just payed off.
Thanks to the cancer we can never have kids. Something we have wanted for a long time. We put it off till we were better prepared. Funny how that worked out. Moving on. We decided that when the time comes we will adopt. There are several children that could use a good home. I'm just scared at the thought of the costs of adoption. Not to mention if they looked at our debt and income and saw we could barely keep our head above water due to the medical bills.
The other thing that has been bothering me is the loss of our chance to be on our own again. We have spent three years living with her mom. She is a great lady and I appreciate her help and understanding with all the stuff that's been going on. I just can't do it anymore. It has really hurt our marriage and I don't think it will survive this and another three or four years of her mom's help.
Sadly that's only the tip of the iceberg. We've worked through my drinking and what almost became an affair. It's just not matter what my wife keeps telling me I just don't see a way out of this right now.
So any advice?
So here it goes. When we got married 6 years ago I had no credit but very little debt. My wife was just the opposite huge amount of debt (student loan, car loan and credit cards) but very good credit. We have pretty much lived within our means sometimes going a little overboard. We lived paycheck to paycheck for the first three years. Then we decided it would be best to try and change that. We moved in with her mom to be able to pay off some of the debt and put money away. It also helped her mom who was struggling as we helped pay the mortgage and other expenses. After three years we payed quite a bit down and some we managed to pay off. We even built a nice little nest egg for a house of our own.
Then everything came tumbling down in a matter of just a few months. Last December I was diagnosed with stage 2 testicular cancer. Thankfully it looks like I will make a full recovery. Still waiting for pathology results from my latest surgery.
Anyway my biggest fear right now is that we will never get back on our feet financially. The insurance we have is pretty lousy to put it nicely. So we've been stuck with most of the bills. We've already burned through all our savings and maxed out the cards we just payed off.
Thanks to the cancer we can never have kids. Something we have wanted for a long time. We put it off till we were better prepared. Funny how that worked out. Moving on. We decided that when the time comes we will adopt. There are several children that could use a good home. I'm just scared at the thought of the costs of adoption. Not to mention if they looked at our debt and income and saw we could barely keep our head above water due to the medical bills.
The other thing that has been bothering me is the loss of our chance to be on our own again. We have spent three years living with her mom. She is a great lady and I appreciate her help and understanding with all the stuff that's been going on. I just can't do it anymore. It has really hurt our marriage and I don't think it will survive this and another three or four years of her mom's help.
Sadly that's only the tip of the iceberg. We've worked through my drinking and what almost became an affair. It's just not matter what my wife keeps telling me I just don't see a way out of this right now.
So any advice?
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