I spent the day with my Mother. I broke down and told her my plans. Crying helped relieve some stress. She was totally understanding and helpful. Tomorrow I will be making some phone calls. I will see what results. I am on a debt consolidation plan plus I pay 4 creditors who wouldn’t join the plan, IRS, car payment, 3 loans, living expenses, back property taxes. Ugh!! This leaves me with little money and no emergency fund. Everyone of my slips has even put me further in the hole. It’s too much stress. I would never get a home equity loan as my interest rate would be high because of my credit and I’m using my houses as collateral. Not a option for me. Liens against your property mean that you can’t sell till they are paid off. I just don’t like it. My number one priority is my house and the house my oldest Daughter and Grandson live in. If things don’t work out tomorrow I’m taking ( Veras advice ) and in going to give my car back to the bank. I owe 12 more payments. I have equity in it and after auction and the balance of the loan is paid off thete will be money left that will go to me. I can by a used car. I can use my Mom’s car in the meantime. It’s just a thing and doesn’t mean anything to me. It would free up a chunk of money monthly. We will see tomorrow how everything goes down. I feel a little better as I ate a healthy lunch. Maybe I will be able to sleep tonight.
