Hello all of you financially smart mummy's and daddy's out there
I am an undercover hubber who is wishing to remain undercover due to this rather embarrassing subject
Basically, DH & I know there is no quick fix for our situation but the advice we need is how to get on track and fix our problems because if we don't do something we will never own a home and that is the worst possible nightmare for both of us EVER!!!!
So here goes, we have 3 young children aged 4 and under. I don't work and I have my work cut out for me, like right now I can't even think because of the noise from the toys trucks. Anyway, thats off track. DH & I had a rough start, we married young and therefore had our children young aswell. We were always struggling to get by but when DH got a good job when our 1st child was 1 we seemed to be doing alright, so we bought a car through a finance company in DH's name as I had a paid default for a mobile phone bill from my sister (thats another story ). So we went along doing fine all the while we weren't really saving much as we were trying to get new furniture, white goods and baby stuff as we were expecting our 2nd child. When I was 12 weeks DH was put off from his job as his employer had to reduce the amout of employee's and it was a case of last hired, first fired (well not really fired as such he gave us notice and work until we found something else ) So we moved to a bigger town and were paying a fortune in rent and DH was earning just over half of what he was before. We were really struggling to put food on the table and there were days I only at an evening meal as I thought I could feed DS for another 2 days if I didn't (even though I was pregnant). In the end we couldn't pay the rent and we had to move out and we sold pretty much every thing and went back to my parents. Then we moved again because they didn't want us there and DH was in a pretty good paying job but when it rained there was no work. Guess what it rained for 3 months and all he could get was a few odd jobs and we had my FTB and Parenting Payment (Which took ages to go through) we couldn't pay the payments on the car and it was repossessed right as I was 8 months pregnant with our 3rd (and last) child. That was a real blow, the day the finance company guy told me they had put the worst possible listing on DH's credit file (7 years). We managed to save enough for another cheap car but in doing that I got defaults for not paying things on time, but we had no choice, we had to travel 3 hours to have the baby as our hospital couldn't deliver babies. So now DH has been in his current job (FIFO) for 14 months and he's just about to get put off as the job is finishing next month, right in time for Christmas, Merry Christmas to us. So after paying out all of our debts except $3000 of the car that got repossessed, we have nothing, nothing and nothing. There is no other work here and we will have to move again and start all over again. I don't even know how we will afford to move or where we will go. None of our family have anything to do with us (That's also another story ). So basically I'm on the verge of a break down, I think I have depression, the kids are driving me up the wall today and DH isn't home for 2 weeks. I wonder how we will ever get our own home, but to DH and I it's one of the most important things to us. Oh and I forgot to add that old car we bought to get us to have the baby, we're still driving it and it's on it's last legs
DH & I always have strived to being good parents, good husband/wife and being honest and genuine people. We don't gossip about, hurt or judge anyone. We don't drink, smoke or do drugs. We do everything we can for our kids to give them a better life and future. It sometimes feels like we just keep getting kicked while we're down and we can't get back up.
So that turned into more of a vent than an advice seeking thread but hey, at least I got it off my chest. I'm going to get the kids to bed and I'll be back soon if anyone has any advice to offer