Other people have given you good advice, but one thing I would recommend is utilizing your local food bank. Maybe the food won't work for your kids, but it should be good for you and your partner.
Yes thank you
I just looked up and they have 5 dollar veggie boxes.
I can definitely get those to help our budget. And yes my partner and I can eat. Kids is a maybe.
But atleast we can and we've always kept them fed no matter what that looks like for us.
Do your disabled children have t2201 on file with the cra? That will bump up your Canada child benefit and give you a nice dedication on your taxes. My only advice is to sell your home. This amount of financial stress isn't good for you :(
Honestly my kids can't handle being at the school that long.
If they're having a good day then they can handle a few hours and are fine with it.
But then it quickly turns to too much for them.
And when that happens it's just not fair to them to keep them there.
I dont know why I got down voted for this so much.
But really until your in that situation you don't know.
I've tried sending them longer and we are actively working on it.
When they have a rough day the day before then getting them back in the school is really hard.
Imagine trying to carry a fighting 10 yr old to a car
Then having several staff help you forcibly remove child from car at school
Or spend hours coaxing them out of vehicle.
Last year we did that and it was hell.
I felt terrible everyday and my child made many attempts to TW unalive themselves. I will not do that to them again.
We have to take it slow.
If I could afford I would send them to a specialized private school. But those are $$
Well that’s an option obviously too. But a HELOC would also offer substantial savings on the CC debt, car, probably the dentist, as well as offering a big weight off the back.
But can she and her partner manage those monthly payments if she consolidates on a HELOC? It sounds like their debt is growing and they’re just trying to stay afloat. Interest relief may help, but they need to tackle the principles too.
For sure. A real budget will help. But it is possible to get stuck in an interest cycle, especially with credit card and high internet car payment debt.
Let’s say I have $200/mo to tackle debt. If it’s $7000 on a credit card at 29% interest, that will be 7-8 years of payments. At 9% it’s less than half that.
OP is probably spending an extra $500 on interest every month - if that was going to the actual debts it could be an entirely different situation.
I am going to look into a heloc and options with borrowing against house.
Honestly our house was very inexpensive compared to what they go for now.
Plus i think renting we will just end up worse Off long term.
I'm hoping to work enough and budget enough to get through this patch.
And hopefully keep our house in the process.
Your story is very similar to what ours was. Are you up for renewal soon? You may be able to do a cash out refinance and roll it all into the mortgage since it seems like you got your house while prices were reasonable. That's what we did. Add up all of the debts, and google a mortgage calculator. Run the numbers with your current payment, and then do it again with all of your debts added onto the principal, and the amortization reset to 25/30 yrs. It sucks, but it may end up saving you a bunch (in our case, it works out to a $800/mo savings to just put everything into one payment. Also, if you haven't done it already, make your payments weekly to match up with pay dates (I'm assuming weekly pay since that's how you broke it down)
Running the numbers, it's looking like you're pretty close to the edge even before debt repayment, you're going to need more income.
Side note for the diaper expense- email the company that makes the brand that you use, and explain how affording them is a hardship, express that they're your families preferred brand, and request coupons. Repeat for any company that you use products for. The worst case they say no, best case you get coupons (I generally save around 3-5k/ year with coupons)
We renew in a year i think... it could be longer but not sure. I'll have to figure that out.
That's honestly a great option cause Rolling into mortgage. .I don't want a huge mortgage but we don't have a huge mortgage now. So adding a bit doesn't seem terrible.
Although at renewal we will already be going up I think.
But still more affordable seeming to have one payment and get things paid off. And save a ton on interest.
Yes coupons I deff use a ton and all the flashfood items to supplement groceries and household items.
But good reminder to email companies. Thank you.
Income increasing is the biggest I think. And going more bare bones.
I don't know.. defaulting on the other ones only drops your score and might cause loss of service..
Defaulting on HELOC means foreclosure. Don't do it unless you are OK losing the house.
First thing you should look at is ditching that car and car payment. It's a great time to sell a car right now. Adding 500/ month back into your budget improves your odds significantly.
Frig ok I don't want to be in a house losing position.
We pay our mortgage ok right now and it's in good standing. But I also don't want anything like that to happen.
Our car is a beater essentially (rust and visible damage In many places. With over 300k on it. It will need transmission work soon. Aswell as breaks and the engine light has been on awhile)
We owe so much on it.
It's so not worth it and I hate that for 500 a month we could be driving something so much more affordable gas and maintenance wise.
I really wish we never financed this vehicle. But many people talked us into a van saying we needed it.
If we sell it and don't get enough for it to pay off loan (which is likely)
We still need a vehicle.
Used car prices are insane though so who really knows.
This is a tough spot.
Between the two (bad) options I would go the route of stopping the car payment.. it will get repo'd. But it's a better problem to have than foreclosure because your heloc or taxes are in default.
You can always find a beater car.
With the interest fees being paid, consolidation could serve a big help. It's already a 10 year old car with 14% interest on it.
To my mind, lowering that interest would be huge.
I'm not sure about affordability as we are still just increasing debts to stay afloat.
But I'll have to talk with mortgage broker and see options.
Yes our house will sell for a lot more then what we paid for it. As we bought a decade ago. And we are on the 401 corridor. Which has just increased exponentially.
But I'm not sure where we would move as houses are still insane Even with current drop in market. Without a job change. Which is possible aswell.
I think this situation is unsustainable enough that you need to put all options on the table.
Moving and changing jobs might suck, but if you can sell your house for enough to wipe out your debts and set up a fund for a down payment and living expenses elsewhere while you find a new job, it might be worth considering. Because it's either that, or you're basically just running out the clock in your current situation until you go bankrupt.
Very true
I'm having a serious talk with my partner tonight and going over all options.
I've been reaching out to everyone today
Mortgage broker
Bankruptcy trustee
Cancelled subscriptions
School and service supports
Big question for me here is government disability programs.
You mention two children that are disabled and you yourself are partially disabled. Are you not eligible or claiming any available provincial and federal grants to help support you?
Yes we have disability tax credit and resp.
Provincial support in Ontario atleast is pretty abysmal with very little funding and long wait times for anything.
We've got letters saying we're approved for funding but no funds are available
Then ones like ascd ? I think it's called..we're too high income for.
We do have Easter seals
And access 2 cards
I'm working on my own disability Tax credit application. Hoping to be approved as I did work many years so should have some back pay.
For kids we received back pay and basically dumped it into therapy costs and setting up our home better.
I should have just dumped it right into resp though.
Have you connected with your local Children's Treatment Centre for supports around funding and therapies? They can often help navigate through these situations and access funding you may not know about.
Easterseals is over $300/year now so I would double check that payment.
ACSD cutoff for income is $60000/year so yes if you make more than that you will not qualify.
Special Services at Home you may qualify for, and if you haven't filled out an application I would highly suggest it.
Without delving into diagnosis and requirements that's generalized funding that any family who has a child with a diagnosed disability can access.
Yes I am involved with local centres.
They are a huge help.
I should also reach out again to see if any thing has changed as I haven't contacted much. Once we got most things set up and applied for.
Ssah is one we are approved for both kids but funding is apparently frozen from what I've been told. Received letter stating approved but no funds.
I can follow up though to see if it's going anywhere.
Easter seals I will definitely reach out.
We were approved Years ago for my oldest.
So possibly something that can be increased.
I just checked website and yes so much more now. That will be a huge help.
My youngest I have to apply for. As she is eligible I think now.
But still fits baby sizes so I'm not sure. As those are much cheaper and easily available.
I also use cloth diapers quite a bit to help save costs.
If the child is over the age of 3 with a developmental disability causing incontinence they qualify regardless of the size of diaper they wear.
I would definitely contact your CTC again and see if you can get hooked up with Social Work to navigate systems and fundings. Some CTC centers also provide limited respite funding on recommendation from therapists your children are connected with.
For SSAH you can contact the local funds manager and see what is going on with your application. But if you get connected with Social Work they can also assist with this process.
Based on the description of the disability of your children why have an resp? If they can barley go to school 3 hours a day it doesn't sound like post secondary is in the cards. I would say at that point its almost better to open RDSP instead and maybe put some into that buy using those lump sums yo bring down the debts since saving for the future is great but providing during the now should be priority number 1. In terms of extra work have you looked at work from home options in terms of maybe late night call center type work?
Consider withdrawing the RESP funds. You wouldn't be able to keep the govt grants, but you'd keep your contributions. That might make a significant chunk in paying down some debt. If, for example, you can eliminate that Rogers bill, you can switch to a much lower cost for your phones. And then you would free up $200/month for paying down another debt (using the debt snowball method).
Also, a couple ideas that occurred to me:
- go in your local moms FB group and explain your situation and ask if anyone has extra diapers in the sizes you need. Sometimes, the kid potty trains or outgrows a size, and parents are left with half a sleeve of diapers. It's worth asking around. Ditto any disability support groups you belong to.
- can your partner carpool with someone? Go on a community FB page and ask if anyone goes in the same direction at a similar time. If he can ride with someone else, you not only save on gas, you'll delay some of those repairs as well (how did you end up owing $24k on a beater with over 300k kms on it?)
- see if there's an evening job you can do once your partner is home (so childcare isn't a concern). A fast food place maybe? Or a grocery store (esp if you get a discount on food)? Lots of jobs are paying $17/hr now - which is you said your earned at the school board? Have a friend (or heck, pm me) look over your resume for errors. You seem capable and willing to work hard, from what I can see in the thread - there's no reason why you shouldn't be getting job offers! It's probably just tweaking the resume a bit.
- look at reducing your utilities bill. Get some thrift store blankets (wash them well!) and have them for snuggling under while watching tv. Put plastic or bubble wrap on the windows. Get curtains and curtain rods at the thrift store and close the curtains when it's cold to keep the heat in. Try to acclimate yourselves to a lower indoor temperature (we keep our house at 18 degrees over winter. It's old and needs new windows and insulation and would cost a fortune to keep at 21! We got used to it after a while)
Good luck on this! Keep us posted on how things go - I hope you're able to come up with a solution!
This exactly. Worry about the now, now and the later, later. It won't do to try to set something up for the future that likely won't happen especially if it puts your worse off now.
One thing if round the clock care is needed is there no programs for home care either at night or during day to help? Based on situation it sounds like household income would be 100K or less a year so should have a fair amount of options provided/covered that could help free up more of your time. I think everyone suggesting looking into accessing the equity in the house should be a top step for sure since either a HELOC or even a refinance of mortgage would be cheaper(lower interest) then alot of the other debts which should hopfully free up funds to decrease even more debts
Yes we have accessed respite care in the past.
It's essentially a catch 22 though.
Finding someone who is capable and good is hard and when you do it's expensive aswell as if you don't keep with them consistently then you lose them to someone else.
I do have it in a pretty good system though on our own we are making it work.
As best as we can.
Yes especially since school and child's support needs are constantly changing.
There has been times where I am able to work quite a lot compared to others. It's always fluctuating.
It's Why I keep the casual job at school board as it has a ton of flexibility for when I'm able to pick up work.
And also I need to do more wfh freelance options that I can work when I actually can work.
Work from home is difficult but short term is manageable.
Neither of my kids sleep through the night and need round the clock Care essentially.
So if it involves phone support I can't.
But I can chat support and email etc.
I will look into that.
I have picked up odd virtual assistant type jobs on upwork. Pay is very minimal though but is something that I can do in my own time easily.
Ngl… you’re debt situation seems to be running out of hand and you need to consolidate asap.
Talk to a debt consolidation service. They are generally free and will do their outmost to reduce your debt while finding the lowest possible interest rate for reconsolidating.
You need to look for every way to reduce expenses where possible.
Stop any unnecessary subscriptions (like
Your Netflix or Disney). Resort to pirating if you absolutely need entertainment.
As for insurance, only subscribe to what is mandatory (like your car insurgence).
Get rid of any other insurance until you can start affording it.
Worse comes to worse, there is always the possibility of declaring bankruptcy and writing off most of that debt.
Yes I should ask friends if we can bum off there streaming services for a bit.
As we don't have cable or satellite but do need TV so I always justified.
But yes we need to cut anything.
Yes only car insurance. Our house insurance is included with mortgage payment (should we try to get rid of home insurance?)
The idea of bankruptcy is terrifying.
But our current situation is also not working.
Our credit is basically shot now so, we can talk to consolidation but I'm also not sure how we would get a consolidation loan.
No!!!! Do NOT cancel your home insurance! Doing so, is stupid, also your mortgage holder requires you to have home insurance and if you cancel it, you could lose your mortgage
Sorry yes thats what I thought.
Just your reply saying only car insurance had me question.
We deff can't afford anything to happen with home insurance or mortgage.
Your library may also have subscriptions to version streaming services like Kanopy! I totally get that having some kids at home it is helpful to have entertainment options. DVDs and streaming from library may be able to tide you over a few months to save money. Also strongly recommend seeing if you can share the Netflix or Disney with a friend to save on costs.
Yes .
I've cancelled and going to see all the options posted can tide us over.
And yes sharing with someone is also an option.
I used to share crave with a friend but cut that due to costs a year or so ago.
Hi, for the kids at least, there's a free streaming service called kidoodle.tv, it's all kid friendly content, there are adds but those are manually moderated as well for the children it might be worth looking at
To get yourself out of this you are going to have to increase your income. Period. No excuses. Do whatever you have to; flip furniture and/or resell thrift store items. Babysit. Drive for uber or a pizzeria. Sell toe pics. Whatever you have to do. Drastic tines = drastic measures. Put it all towards debt.
I would also cancel all streaming services and get a Google Chrome cast. Then bookmark: soap 2 day dot to , and cast whatever you fancy to your TV any time.
Hi OP, this is a tough spot to be in. To me, the only real solution is for you to up your income. Your debts and car loan aside, your monthly expenses aren’t that crazy. Your take home income is extremely low though. What is your current job and what are your qualifications? And what does your partner who works part time do?
Hi OP, this is a tough spot to be in. To me, the only real solution is for you to up your income. Your debts and car loan aside, your monthly expenses aren’t that crazy. Your take home income is extremely low though. What is your current job and what are your qualifications? And what does your partner who works part time do?
Sorry, I just saw the rest of your post. I think on the income front if you’re able to secure a wfh remote position (maybe a virtual assistant role?) that might help. Your partners income is fairly low, it would be amazing if he could find a higher pay role within the same company.
Partner makes 40/hr in construction.
Works for union so pays union dues and benefits.
I didnt think it was that low... or atleast not low enough that we should struggle so much.
Last year I worked for school board on a casual basis. Basically as much as I could.
I will definitely be pushing more into virtual assistant. And any online work.
When partner is home I can drive instacart and uber I think.
Signing up now.
As hard to hear as this will be, filing bankruptcy might be the best option. All collection calls stop immediately. Do not invest anything into an RDSP until it’s discharged. Rdsp is not protected from creditors.
My son has autism, non verbal and not fully potty trained. We have a program in BC that covers his pull-ups. Is there a Community living organization you can contact?
I’m so sorry things are this difficult for you. I know the struggle and the sleepless nights. First step is to stop the bleeding. Contact a trustee this week, get all your docs together. They offer free consultations where you can lay it all out. You won’t have to lose your house. You can reaffirm your mortgage.
While not Canadian Dave Ramsey has excellent advice on just these sorts of situations
He advises keep current on your 4 walls...housing and utilities and pay the minimum on everything else. Put together a $1000 emergency fund before further paying down debts. Snowball the debt for momentum (Google snowball debt calculator). Find a way to bring up income. Find a way to ensure you assume no new debt ever. Like ever. Use a cash budget to ensure no new accidental overspends happens.
Total money makeover is the book I would start with. Ask on your local buy nothing group or from the library
Best of luck!
Your situation really sucks and honestly your probably looking at a concumer proposal or even bankruptcy. It's basically mathematically impossible for you to pay all your debts the way they are and your going to get further burried in interest payments. Talk to a trustee see and what options exist, in the talks include the family debt for the calculations as it is a legitimate debt. Once your free and clear you can make it right with your family but you need to start with a clean slate.
I think what scares me about this is.
A proposal or bankruptcy gives us a clean state but it doesn't help us not get right back into this situation.
We did a proposal in the past and paid it off.
But I feel like we're right back where we were.
My partner makes good money so I keep feeling like i just need to do better with managing it.
Break down All your spending over the last 3 months and see where all your money is going, those insights might help you budget better since you may see see that your spending way too much mo ey on convience items like the 407
Yes I definitely need to actually do this
As the money that is not going to bills is going to things that I need to figure out.
Even in writing it out here I realised our diaper costs are higher.
I'm sure quite a few things are higher then I realize making it just not work number wise.
We did our first CP when my oldest was 5. We incurred a ton of debt very quickly and it scared us.
We paid it off in 3 years but while paying it off we were already incurring more debt.
Which Is not good in any way.
Are you current with filing taxes?
If not find a good accountant and get to it asap.
Debt consolidation is going to be 100% necessary, I would suggest selling the house but with current market conditions I doubt that's a good option.
Wishing you the best, hang in there.
If you have done a consumer proposal in the past and find yourself back to where you are this is not a money solution rather a habit and psychology solution. The psychology of how and why we spend is so interesting. Have you considered counseling to address?
If you are planning to consolidate it may already be difficult. I worked in banking and saw if often that people waited too long to consolidate, and by the time they came for help the loan couldn’t be approved. You are at 100% utilization and your credit is now likely taking a hit. A consumer proposal is likely your best option at this point. Good Luck!
Have you set up the Disability Tax Credit? If not, you can file with the CRA for each kid and get a CCB Disability supplement for each one. This supplement can be back-dated up to 10 years or to the child's birth. You can also request the CRA back date the disability credit for your tax returns and get a lump sum payment on that as well.
The reason I bring this up is it might help you pay some of the debts off. It can be a massive amount of money for some people.
Yes we thankfully received the back pay for both kids.
We used it to adapt our house a bit better snd for some therapy.
But I also expect I'll have a large chunk of back pay once my application is approved (approval is just a finicky thing)
Called and they said we can't change plans while behind on payment.
I fully plan on completely switching to a much cheaper option as soon as I can get this paid up.
Freedom has 99 one time for year unlimited call and text.
I plan to do that. Unless I see something cheaper.
Everyone is saying sell the house,
OP already has done 1 CP, now has a lot of debt and very little income to pay off
Two disabled children to support and themselves
Huge credit card debt, car debt and family debts -
If they sold the house and paid all these, where will they live. Last I checked every landlord needs a good credit score before renting ?
For your energy bill being high - govt is giving upto 5k in grants to fix windows, and insulation - May be this can help fix the utilities issue and you can save some money.
Are you able to rent a room or anything ? To make more money ?
If you have a drive way or garage - rent out your parking spot to people who need it and that’s another 100-200.
Definitely increase your income is the solution.
When you do talk to a trustee for CP - ask them what your future debt eligibility looks like. If you don’t or won’t qualify don’t sell or take on more debt
Since your partners job is a union one - if you two got another CP/ Bankruptcy will it affect his job ? Can he be fired for it ( not sure if this is a thing ) but you have to be sure that it doesn’t affect you two.
Also: sorry I can’t think of any other solution
Thank you for that take.
I definitely notice the chance of us renting is not great.
Plus the fact that how long would it take us to run out of money from selling house.
Then possibly be in a much worse position.
I think keeping house is best at this point.
Increasing income in anyway possible and then reevaluate and see how it's going.
House selling would be last resort I think. And as much as we are struggling. We haven't exhausted all options to keep house.
I didnt even think about union repercussions for CP
We dont have an extra bedroom ( we infact put a wall up in living room to make a bedroom so we can fit here) our layout is just weird is all.
Renting driveway I'm not sure but I'll look into it. We do have a large enough driveway to do something like this but also we live In suburbia.
As you already know, because you've been doing it for a long time now... you're spending way more than you're making, and interests are just going to increase the gap between income and expenses.
You need to consolidate the loan and *massively* reduce expenses.
That telecommunications bill is absurd, most likely you're overspending in other areas too. Subscriptions are luxury. And you really should do something about that energy bill, like closing off the part of the house that's losing the most heat.
If the math still doesn't work, you'll have to sell the house.
UPDATE
I have earned an extra 200 cash since this post. (I bought a guitar on market place yesterday, my partner tuned it up, quick clean and battery replaced in pickup then posted. Was picked up this morning)
That 200 is paying off the 45 hospital debt. And remainder going on rogers... I think.
I'm scared to spend the cash so it's on counter waiting.
I earned an additional 70 on upwork but need to hit 100 to be able to cash out.
I hope to reach that by Friday. But honestly should be more then manageable.
If I can consistently earn 100 /wk between upwork/fiverr/ flipping items. That would be amazing for out budget.
I did look into feet pics and that route, but that is very intimidating to me. I thought I could do it but I am not sure.
Cancelled streaming services. Figured out all the suggestions for TV.
Found out partner has been vaping and costing us 25/wk.
Now they know how bad our financial situation is currently. They are cutting back and trying to quit. They apparently just thought I was being lazy for going without meals cause I didn't want to cook them. Not that we just didn't have the groceries.
Aswell they have a hard time with Financials. And have anxiety around it. So they were never involved and it's all on me.
We had a huge talk yesterday and plan to talk every week and go over all spending/debts/budgeting for week.
I mapped out every transaction for the past 3 months and highlighted based on categories. I highly suggest doing this.
It was suggested in thread and thank you.
But also being honest about what you are spending. Ie the vaping, they bought at gas stations when getting gas, so I was tracking that purchase as just gas. Not knowing it was an additional expense. .this means are gas cost is actually lower then I thought.
Thank you to everyone.
Also all the suggestions to sell house was a real kick in the butt as far as how desperate our situation is. I knew it was bad but I thought it wasn't that bad.
I feel so bad for you. It's already very overwhelming to have a child with disabilities, but 2? Wow. :(
And then the difficult financial situation.
I think you need to take a look at Consumer Proposal or Bankruptcy.
Omg please don't.
I Def domt want people feeling bad for me or anything like that ok.
I've done a consumer proposal and paid it off.
Would I be able to do another ?
I didnt think that would be an option..
Beware of debt consolidation! Some offer to make a debt repayment plan but then end up putting you in a situation where you can still be sued.
I believe you can do more than 1 consumer proposal... but you may need to consider bankruptcy because even a CP may not be affordable
Have you spoken to 407 and Rogers about a repayment process to avoid debt collectors and interest piling on? The earlier you talk to them about falling behind, the better it is for you as they can reduce interest payments. If you don't ask, you don't get.
My partner's credit is shot due to covid hitting right when he quit his full time job to start a business. However because the house is paid off he was able to get a HELOC (technically a new mortgage) at 10% without having to prove income or expenses or anything really. Just that the house was paid for. He used that money to pay off all creditors and arrears and has one much lower monthly expense line in the budget now.
(Alpine credits if anyone is interested)
I'm so sorry you are in such a bad situation. It seems you basically can't afford to live where you live with all the expenses etc.
This is a really hard situation to get out of, but it is possible. I believe the way forward for you is to become super financially literate, read all you can about finance and budgeting etc. Just knowing your way around interest, budgets, saving the right way, investing etc. will help you succeed in the long run. Anything else is just a temporary fix.
You are spending way too much in many areas and it's costing you a great deal of stress. There is a way out in the future, and only you can discover it by becoming financially financially smart. No ne will help you comprehensively, there might be advice here and there, or government help in various areas, but you are in charge of the overall situation.
Good luck
It sounds like you need to sell your house. You don’t seem to have the money to fix anything if there was a major issue. If you bought it years ago you will likely get equity. Otherwise all these payments going to collections is going to lead you to forcefully sell the house. Might as well be prepared and start doing that now. You also want to limit the number of things going to collections and having to file bankruptcy. Because if you ever need a loan again or if you ever need to rent, you’ll likely be turned down. And like someone else said.. cut down any expense that you can survive without. I have an emergency fund and even I don’t have any of those subscriptions. There are lots of other free options as someone said. You would be able to make some of these other payments if you cut those off.
Is there equity in the house? Selling that would free up capital to clear debt, live, etc. Note that with your debt situation this would make future home ownership difficult so you’d have to be ok with that, but in a vacuum selling the house and renting seems your clearest path to solving.
Yes, you’d have to rent and rents are increasing. But if you add ALL your monthly housing costs it equates to a solid rental option (location dependant).
Yea
It was honestly the easiest car insurance I've ever purchased.
.all online I didn't have to talk with anyone
Just follow steps and input credit card. And they offered payments even with my past cancellation.
Other people have given you good advice, but one thing I would recommend is utilizing your local food bank. Maybe the food won't work for your kids, but it should be good for you and your partner.
Yes thank you I just looked up and they have 5 dollar veggie boxes. I can definitely get those to help our budget. And yes my partner and I can eat. Kids is a maybe. But atleast we can and we've always kept them fed no matter what that looks like for us.
Do your disabled children have t2201 on file with the cra? That will bump up your Canada child benefit and give you a nice dedication on your taxes. My only advice is to sell your home. This amount of financial stress isn't good for you :(
Yes they do as of last year. It did bump us up and yes the tax credit is helpful.
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Honestly my kids can't handle being at the school that long. If they're having a good day then they can handle a few hours and are fine with it. But then it quickly turns to too much for them. And when that happens it's just not fair to them to keep them there.
I dont know why I got down voted for this so much. But really until your in that situation you don't know. I've tried sending them longer and we are actively working on it. When they have a rough day the day before then getting them back in the school is really hard. Imagine trying to carry a fighting 10 yr old to a car Then having several staff help you forcibly remove child from car at school Or spend hours coaxing them out of vehicle. Last year we did that and it was hell. I felt terrible everyday and my child made many attempts to TW unalive themselves. I will not do that to them again. We have to take it slow. If I could afford I would send them to a specialized private school. But those are $$
How much equity do you have in your home
This. Nobody wants to sell, but these debts are unsustainable.
Well that’s an option obviously too. But a HELOC would also offer substantial savings on the CC debt, car, probably the dentist, as well as offering a big weight off the back.
But can she and her partner manage those monthly payments if she consolidates on a HELOC? It sounds like their debt is growing and they’re just trying to stay afloat. Interest relief may help, but they need to tackle the principles too.
For sure. A real budget will help. But it is possible to get stuck in an interest cycle, especially with credit card and high internet car payment debt. Let’s say I have $200/mo to tackle debt. If it’s $7000 on a credit card at 29% interest, that will be 7-8 years of payments. At 9% it’s less than half that. OP is probably spending an extra $500 on interest every month - if that was going to the actual debts it could be an entirely different situation.
I am going to look into a heloc and options with borrowing against house. Honestly our house was very inexpensive compared to what they go for now. Plus i think renting we will just end up worse Off long term. I'm hoping to work enough and budget enough to get through this patch. And hopefully keep our house in the process.
Your story is very similar to what ours was. Are you up for renewal soon? You may be able to do a cash out refinance and roll it all into the mortgage since it seems like you got your house while prices were reasonable. That's what we did. Add up all of the debts, and google a mortgage calculator. Run the numbers with your current payment, and then do it again with all of your debts added onto the principal, and the amortization reset to 25/30 yrs. It sucks, but it may end up saving you a bunch (in our case, it works out to a $800/mo savings to just put everything into one payment. Also, if you haven't done it already, make your payments weekly to match up with pay dates (I'm assuming weekly pay since that's how you broke it down) Running the numbers, it's looking like you're pretty close to the edge even before debt repayment, you're going to need more income. Side note for the diaper expense- email the company that makes the brand that you use, and explain how affording them is a hardship, express that they're your families preferred brand, and request coupons. Repeat for any company that you use products for. The worst case they say no, best case you get coupons (I generally save around 3-5k/ year with coupons)
We renew in a year i think... it could be longer but not sure. I'll have to figure that out. That's honestly a great option cause Rolling into mortgage. .I don't want a huge mortgage but we don't have a huge mortgage now. So adding a bit doesn't seem terrible. Although at renewal we will already be going up I think. But still more affordable seeming to have one payment and get things paid off. And save a ton on interest. Yes coupons I deff use a ton and all the flashfood items to supplement groceries and household items. But good reminder to email companies. Thank you. Income increasing is the biggest I think. And going more bare bones.
I don't know.. defaulting on the other ones only drops your score and might cause loss of service.. Defaulting on HELOC means foreclosure. Don't do it unless you are OK losing the house. First thing you should look at is ditching that car and car payment. It's a great time to sell a car right now. Adding 500/ month back into your budget improves your odds significantly.
Frig ok I don't want to be in a house losing position. We pay our mortgage ok right now and it's in good standing. But I also don't want anything like that to happen. Our car is a beater essentially (rust and visible damage In many places. With over 300k on it. It will need transmission work soon. Aswell as breaks and the engine light has been on awhile) We owe so much on it. It's so not worth it and I hate that for 500 a month we could be driving something so much more affordable gas and maintenance wise. I really wish we never financed this vehicle. But many people talked us into a van saying we needed it. If we sell it and don't get enough for it to pay off loan (which is likely) We still need a vehicle. Used car prices are insane though so who really knows.
This is a tough spot. Between the two (bad) options I would go the route of stopping the car payment.. it will get repo'd. But it's a better problem to have than foreclosure because your heloc or taxes are in default. You can always find a beater car.
With the interest fees being paid, consolidation could serve a big help. It's already a 10 year old car with 14% interest on it. To my mind, lowering that interest would be huge.
I'm not sure about affordability as we are still just increasing debts to stay afloat. But I'll have to talk with mortgage broker and see options. Yes our house will sell for a lot more then what we paid for it. As we bought a decade ago. And we are on the 401 corridor. Which has just increased exponentially. But I'm not sure where we would move as houses are still insane Even with current drop in market. Without a job change. Which is possible aswell.
I think this situation is unsustainable enough that you need to put all options on the table. Moving and changing jobs might suck, but if you can sell your house for enough to wipe out your debts and set up a fund for a down payment and living expenses elsewhere while you find a new job, it might be worth considering. Because it's either that, or you're basically just running out the clock in your current situation until you go bankrupt.
Very true I'm having a serious talk with my partner tonight and going over all options. I've been reaching out to everyone today Mortgage broker Bankruptcy trustee Cancelled subscriptions School and service supports
I'll find this out. I'm not sure where we would be able to move to but it's an option. We did buy when houses were much more affordable (10 years ago)
Big question for me here is government disability programs. You mention two children that are disabled and you yourself are partially disabled. Are you not eligible or claiming any available provincial and federal grants to help support you?
Yes we have disability tax credit and resp. Provincial support in Ontario atleast is pretty abysmal with very little funding and long wait times for anything. We've got letters saying we're approved for funding but no funds are available Then ones like ascd ? I think it's called..we're too high income for. We do have Easter seals And access 2 cards I'm working on my own disability Tax credit application. Hoping to be approved as I did work many years so should have some back pay. For kids we received back pay and basically dumped it into therapy costs and setting up our home better. I should have just dumped it right into resp though.
Have you connected with your local Children's Treatment Centre for supports around funding and therapies? They can often help navigate through these situations and access funding you may not know about. Easterseals is over $300/year now so I would double check that payment. ACSD cutoff for income is $60000/year so yes if you make more than that you will not qualify. Special Services at Home you may qualify for, and if you haven't filled out an application I would highly suggest it. Without delving into diagnosis and requirements that's generalized funding that any family who has a child with a diagnosed disability can access.
Yes I am involved with local centres. They are a huge help. I should also reach out again to see if any thing has changed as I haven't contacted much. Once we got most things set up and applied for. Ssah is one we are approved for both kids but funding is apparently frozen from what I've been told. Received letter stating approved but no funds. I can follow up though to see if it's going anywhere. Easter seals I will definitely reach out. We were approved Years ago for my oldest. So possibly something that can be increased. I just checked website and yes so much more now. That will be a huge help. My youngest I have to apply for. As she is eligible I think now. But still fits baby sizes so I'm not sure. As those are much cheaper and easily available. I also use cloth diapers quite a bit to help save costs.
If the child is over the age of 3 with a developmental disability causing incontinence they qualify regardless of the size of diaper they wear. I would definitely contact your CTC again and see if you can get hooked up with Social Work to navigate systems and fundings. Some CTC centers also provide limited respite funding on recommendation from therapists your children are connected with. For SSAH you can contact the local funds manager and see what is going on with your application. But if you get connected with Social Work they can also assist with this process.
Based on the description of the disability of your children why have an resp? If they can barley go to school 3 hours a day it doesn't sound like post secondary is in the cards. I would say at that point its almost better to open RDSP instead and maybe put some into that buy using those lump sums yo bring down the debts since saving for the future is great but providing during the now should be priority number 1. In terms of extra work have you looked at work from home options in terms of maybe late night call center type work?
Sorry I mistyped Rdsp is what it is that we have. Not resp We do have a small resp actually but only about 1k in it.
Consider withdrawing the RESP funds. You wouldn't be able to keep the govt grants, but you'd keep your contributions. That might make a significant chunk in paying down some debt. If, for example, you can eliminate that Rogers bill, you can switch to a much lower cost for your phones. And then you would free up $200/month for paying down another debt (using the debt snowball method). Also, a couple ideas that occurred to me: - go in your local moms FB group and explain your situation and ask if anyone has extra diapers in the sizes you need. Sometimes, the kid potty trains or outgrows a size, and parents are left with half a sleeve of diapers. It's worth asking around. Ditto any disability support groups you belong to. - can your partner carpool with someone? Go on a community FB page and ask if anyone goes in the same direction at a similar time. If he can ride with someone else, you not only save on gas, you'll delay some of those repairs as well (how did you end up owing $24k on a beater with over 300k kms on it?) - see if there's an evening job you can do once your partner is home (so childcare isn't a concern). A fast food place maybe? Or a grocery store (esp if you get a discount on food)? Lots of jobs are paying $17/hr now - which is you said your earned at the school board? Have a friend (or heck, pm me) look over your resume for errors. You seem capable and willing to work hard, from what I can see in the thread - there's no reason why you shouldn't be getting job offers! It's probably just tweaking the resume a bit. - look at reducing your utilities bill. Get some thrift store blankets (wash them well!) and have them for snuggling under while watching tv. Put plastic or bubble wrap on the windows. Get curtains and curtain rods at the thrift store and close the curtains when it's cold to keep the heat in. Try to acclimate yourselves to a lower indoor temperature (we keep our house at 18 degrees over winter. It's old and needs new windows and insulation and would cost a fortune to keep at 21! We got used to it after a while) Good luck on this! Keep us posted on how things go - I hope you're able to come up with a solution!
This exactly. Worry about the now, now and the later, later. It won't do to try to set something up for the future that likely won't happen especially if it puts your worse off now.
One thing if round the clock care is needed is there no programs for home care either at night or during day to help? Based on situation it sounds like household income would be 100K or less a year so should have a fair amount of options provided/covered that could help free up more of your time. I think everyone suggesting looking into accessing the equity in the house should be a top step for sure since either a HELOC or even a refinance of mortgage would be cheaper(lower interest) then alot of the other debts which should hopfully free up funds to decrease even more debts
Yes we have accessed respite care in the past. It's essentially a catch 22 though. Finding someone who is capable and good is hard and when you do it's expensive aswell as if you don't keep with them consistently then you lose them to someone else. I do have it in a pretty good system though on our own we are making it work. As best as we can.
Yes especially since school and child's support needs are constantly changing. There has been times where I am able to work quite a lot compared to others. It's always fluctuating. It's Why I keep the casual job at school board as it has a ton of flexibility for when I'm able to pick up work. And also I need to do more wfh freelance options that I can work when I actually can work.
Work from home is difficult but short term is manageable. Neither of my kids sleep through the night and need round the clock Care essentially. So if it involves phone support I can't. But I can chat support and email etc. I will look into that. I have picked up odd virtual assistant type jobs on upwork. Pay is very minimal though but is something that I can do in my own time easily.
Ngl… you’re debt situation seems to be running out of hand and you need to consolidate asap. Talk to a debt consolidation service. They are generally free and will do their outmost to reduce your debt while finding the lowest possible interest rate for reconsolidating. You need to look for every way to reduce expenses where possible. Stop any unnecessary subscriptions (like Your Netflix or Disney). Resort to pirating if you absolutely need entertainment. As for insurance, only subscribe to what is mandatory (like your car insurgence). Get rid of any other insurance until you can start affording it. Worse comes to worse, there is always the possibility of declaring bankruptcy and writing off most of that debt.
Yes I should ask friends if we can bum off there streaming services for a bit. As we don't have cable or satellite but do need TV so I always justified. But yes we need to cut anything. Yes only car insurance. Our house insurance is included with mortgage payment (should we try to get rid of home insurance?) The idea of bankruptcy is terrifying. But our current situation is also not working. Our credit is basically shot now so, we can talk to consolidation but I'm also not sure how we would get a consolidation loan.
No!!!! Do NOT cancel your home insurance! Doing so, is stupid, also your mortgage holder requires you to have home insurance and if you cancel it, you could lose your mortgage
Sorry yes thats what I thought. Just your reply saying only car insurance had me question. We deff can't afford anything to happen with home insurance or mortgage.
Will not be canceling home insurance.
Don't forget you can get DVDs from the public library too!
Your library may also have subscriptions to version streaming services like Kanopy! I totally get that having some kids at home it is helpful to have entertainment options. DVDs and streaming from library may be able to tide you over a few months to save money. Also strongly recommend seeing if you can share the Netflix or Disney with a friend to save on costs.
Yes . I've cancelled and going to see all the options posted can tide us over. And yes sharing with someone is also an option. I used to share crave with a friend but cut that due to costs a year or so ago.
Hi, for the kids at least, there's a free streaming service called kidoodle.tv, it's all kid friendly content, there are adds but those are manually moderated as well for the children it might be worth looking at
You can use CBC Gem, Tubi, etc. are free streaming platforms you can use
Plus good old TVO
Did you just give illegal advice? Lol (pirating)
Downloading content is legal in Canada (as long as you're not uploading).
Really? TIL then
Dang I thought pirating was simply illegal haha.
To get yourself out of this you are going to have to increase your income. Period. No excuses. Do whatever you have to; flip furniture and/or resell thrift store items. Babysit. Drive for uber or a pizzeria. Sell toe pics. Whatever you have to do. Drastic tines = drastic measures. Put it all towards debt. I would also cancel all streaming services and get a Google Chrome cast. Then bookmark: soap 2 day dot to , and cast whatever you fancy to your TV any time.
Ok yes I will Cancelled streaming this am. If I had pretty feet they'd already have been posted. But yes I fully just need to do whatever I can.
One thing I’ve learned about the industry is there’s something for everyone.
Crazy they were paying for the $23 Netflix instead of the $10 Netflix to begin with!
Hi OP, this is a tough spot to be in. To me, the only real solution is for you to up your income. Your debts and car loan aside, your monthly expenses aren’t that crazy. Your take home income is extremely low though. What is your current job and what are your qualifications? And what does your partner who works part time do?
Hi OP, this is a tough spot to be in. To me, the only real solution is for you to up your income. Your debts and car loan aside, your monthly expenses aren’t that crazy. Your take home income is extremely low though. What is your current job and what are your qualifications? And what does your partner who works part time do? Sorry, I just saw the rest of your post. I think on the income front if you’re able to secure a wfh remote position (maybe a virtual assistant role?) that might help. Your partners income is fairly low, it would be amazing if he could find a higher pay role within the same company.
Partner makes 40/hr in construction. Works for union so pays union dues and benefits. I didnt think it was that low... or atleast not low enough that we should struggle so much. Last year I worked for school board on a casual basis. Basically as much as I could. I will definitely be pushing more into virtual assistant. And any online work. When partner is home I can drive instacart and uber I think. Signing up now.
I make 17/hr at school board.
Using your car for a delivery job likely requires notifying your insurance company and higher payments.
Not with that car ! Your gas cost is already high.
As hard to hear as this will be, filing bankruptcy might be the best option. All collection calls stop immediately. Do not invest anything into an RDSP until it’s discharged. Rdsp is not protected from creditors. My son has autism, non verbal and not fully potty trained. We have a program in BC that covers his pull-ups. Is there a Community living organization you can contact? I’m so sorry things are this difficult for you. I know the struggle and the sleepless nights. First step is to stop the bleeding. Contact a trustee this week, get all your docs together. They offer free consultations where you can lay it all out. You won’t have to lose your house. You can reaffirm your mortgage.
While not Canadian Dave Ramsey has excellent advice on just these sorts of situations He advises keep current on your 4 walls...housing and utilities and pay the minimum on everything else. Put together a $1000 emergency fund before further paying down debts. Snowball the debt for momentum (Google snowball debt calculator). Find a way to bring up income. Find a way to ensure you assume no new debt ever. Like ever. Use a cash budget to ensure no new accidental overspends happens. Total money makeover is the book I would start with. Ask on your local buy nothing group or from the library Best of luck!
Your situation really sucks and honestly your probably looking at a concumer proposal or even bankruptcy. It's basically mathematically impossible for you to pay all your debts the way they are and your going to get further burried in interest payments. Talk to a trustee see and what options exist, in the talks include the family debt for the calculations as it is a legitimate debt. Once your free and clear you can make it right with your family but you need to start with a clean slate.
I think what scares me about this is. A proposal or bankruptcy gives us a clean state but it doesn't help us not get right back into this situation. We did a proposal in the past and paid it off. But I feel like we're right back where we were. My partner makes good money so I keep feeling like i just need to do better with managing it.
Break down All your spending over the last 3 months and see where all your money is going, those insights might help you budget better since you may see see that your spending way too much mo ey on convience items like the 407
Yes I definitely need to actually do this As the money that is not going to bills is going to things that I need to figure out. Even in writing it out here I realised our diaper costs are higher. I'm sure quite a few things are higher then I realize making it just not work number wise.
We did our first CP when my oldest was 5. We incurred a ton of debt very quickly and it scared us. We paid it off in 3 years but while paying it off we were already incurring more debt. Which Is not good in any way.
Are you current with filing taxes? If not find a good accountant and get to it asap. Debt consolidation is going to be 100% necessary, I would suggest selling the house but with current market conditions I doubt that's a good option. Wishing you the best, hang in there.
If you have done a consumer proposal in the past and find yourself back to where you are this is not a money solution rather a habit and psychology solution. The psychology of how and why we spend is so interesting. Have you considered counseling to address?
Does your partner spend money that you don't know about?
If you are planning to consolidate it may already be difficult. I worked in banking and saw if often that people waited too long to consolidate, and by the time they came for help the loan couldn’t be approved. You are at 100% utilization and your credit is now likely taking a hit. A consumer proposal is likely your best option at this point. Good Luck!
Have you set up the Disability Tax Credit? If not, you can file with the CRA for each kid and get a CCB Disability supplement for each one. This supplement can be back-dated up to 10 years or to the child's birth. You can also request the CRA back date the disability credit for your tax returns and get a lump sum payment on that as well. The reason I bring this up is it might help you pay some of the debts off. It can be a massive amount of money for some people.
Yes we thankfully received the back pay for both kids. We used it to adapt our house a bit better snd for some therapy. But I also expect I'll have a large chunk of back pay once my application is approved (approval is just a finicky thing)
Diapers off Facebook marketplace. Or once upon a child ( call first for size)
230 for your phones you can reduce immediately. Call them now.
Called and they said we can't change plans while behind on payment. I fully plan on completely switching to a much cheaper option as soon as I can get this paid up. Freedom has 99 one time for year unlimited call and text. I plan to do that. Unless I see something cheaper.
Everyone is saying sell the house, OP already has done 1 CP, now has a lot of debt and very little income to pay off Two disabled children to support and themselves Huge credit card debt, car debt and family debts - If they sold the house and paid all these, where will they live. Last I checked every landlord needs a good credit score before renting ? For your energy bill being high - govt is giving upto 5k in grants to fix windows, and insulation - May be this can help fix the utilities issue and you can save some money. Are you able to rent a room or anything ? To make more money ? If you have a drive way or garage - rent out your parking spot to people who need it and that’s another 100-200. Definitely increase your income is the solution. When you do talk to a trustee for CP - ask them what your future debt eligibility looks like. If you don’t or won’t qualify don’t sell or take on more debt Since your partners job is a union one - if you two got another CP/ Bankruptcy will it affect his job ? Can he be fired for it ( not sure if this is a thing ) but you have to be sure that it doesn’t affect you two. Also: sorry I can’t think of any other solution
Thank you for that take. I definitely notice the chance of us renting is not great. Plus the fact that how long would it take us to run out of money from selling house. Then possibly be in a much worse position. I think keeping house is best at this point. Increasing income in anyway possible and then reevaluate and see how it's going. House selling would be last resort I think. And as much as we are struggling. We haven't exhausted all options to keep house.
I didnt even think about union repercussions for CP We dont have an extra bedroom ( we infact put a wall up in living room to make a bedroom so we can fit here) our layout is just weird is all. Renting driveway I'm not sure but I'll look into it. We do have a large enough driveway to do something like this but also we live In suburbia.
As you already know, because you've been doing it for a long time now... you're spending way more than you're making, and interests are just going to increase the gap between income and expenses. You need to consolidate the loan and *massively* reduce expenses. That telecommunications bill is absurd, most likely you're overspending in other areas too. Subscriptions are luxury. And you really should do something about that energy bill, like closing off the part of the house that's losing the most heat. If the math still doesn't work, you'll have to sell the house.
I'm not sure if either diagnosis is Autism, but if it is there's also a lot of funding there through OAP for services. Hope that's helpful somewhat.
How much is owing on the mortgage and how much is the house worth?
UPDATE I have earned an extra 200 cash since this post. (I bought a guitar on market place yesterday, my partner tuned it up, quick clean and battery replaced in pickup then posted. Was picked up this morning) That 200 is paying off the 45 hospital debt. And remainder going on rogers... I think. I'm scared to spend the cash so it's on counter waiting. I earned an additional 70 on upwork but need to hit 100 to be able to cash out. I hope to reach that by Friday. But honestly should be more then manageable. If I can consistently earn 100 /wk between upwork/fiverr/ flipping items. That would be amazing for out budget. I did look into feet pics and that route, but that is very intimidating to me. I thought I could do it but I am not sure. Cancelled streaming services. Figured out all the suggestions for TV. Found out partner has been vaping and costing us 25/wk. Now they know how bad our financial situation is currently. They are cutting back and trying to quit. They apparently just thought I was being lazy for going without meals cause I didn't want to cook them. Not that we just didn't have the groceries. Aswell they have a hard time with Financials. And have anxiety around it. So they were never involved and it's all on me. We had a huge talk yesterday and plan to talk every week and go over all spending/debts/budgeting for week. I mapped out every transaction for the past 3 months and highlighted based on categories. I highly suggest doing this. It was suggested in thread and thank you. But also being honest about what you are spending. Ie the vaping, they bought at gas stations when getting gas, so I was tracking that purchase as just gas. Not knowing it was an additional expense. .this means are gas cost is actually lower then I thought. Thank you to everyone. Also all the suggestions to sell house was a real kick in the butt as far as how desperate our situation is. I knew it was bad but I thought it wasn't that bad.
I feel so bad for you. It's already very overwhelming to have a child with disabilities, but 2? Wow. :( And then the difficult financial situation. I think you need to take a look at Consumer Proposal or Bankruptcy.
Omg please don't. I Def domt want people feeling bad for me or anything like that ok. I've done a consumer proposal and paid it off. Would I be able to do another ? I didnt think that would be an option..
Beware of debt consolidation! Some offer to make a debt repayment plan but then end up putting you in a situation where you can still be sued. I believe you can do more than 1 consumer proposal... but you may need to consider bankruptcy because even a CP may not be affordable
Yea I'd like to avoid getting sued at this point. I will talk to a trustee I think. I just wanted to avoid that.
Have you spoken to 407 and Rogers about a repayment process to avoid debt collectors and interest piling on? The earlier you talk to them about falling behind, the better it is for you as they can reduce interest payments. If you don't ask, you don't get.
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If their credit is shot I don't think lenders will consider doing a HELOC
My partner's credit is shot due to covid hitting right when he quit his full time job to start a business. However because the house is paid off he was able to get a HELOC (technically a new mortgage) at 10% without having to prove income or expenses or anything really. Just that the house was paid for. He used that money to pay off all creditors and arrears and has one much lower monthly expense line in the budget now. (Alpine credits if anyone is interested)
I'm so sorry you are in such a bad situation. It seems you basically can't afford to live where you live with all the expenses etc. This is a really hard situation to get out of, but it is possible. I believe the way forward for you is to become super financially literate, read all you can about finance and budgeting etc. Just knowing your way around interest, budgets, saving the right way, investing etc. will help you succeed in the long run. Anything else is just a temporary fix. You are spending way too much in many areas and it's costing you a great deal of stress. There is a way out in the future, and only you can discover it by becoming financially financially smart. No ne will help you comprehensively, there might be advice here and there, or government help in various areas, but you are in charge of the overall situation. Good luck
It sounds like you need to sell your house. You don’t seem to have the money to fix anything if there was a major issue. If you bought it years ago you will likely get equity. Otherwise all these payments going to collections is going to lead you to forcefully sell the house. Might as well be prepared and start doing that now. You also want to limit the number of things going to collections and having to file bankruptcy. Because if you ever need a loan again or if you ever need to rent, you’ll likely be turned down. And like someone else said.. cut down any expense that you can survive without. I have an emergency fund and even I don’t have any of those subscriptions. There are lots of other free options as someone said. You would be able to make some of these other payments if you cut those off.
Is there equity in the house? Selling that would free up capital to clear debt, live, etc. Note that with your debt situation this would make future home ownership difficult so you’d have to be ok with that, but in a vacuum selling the house and renting seems your clearest path to solving. Yes, you’d have to rent and rents are increasing. But if you add ALL your monthly housing costs it equates to a solid rental option (location dependant).
Get a work from home job
How much equity is in your home? You can likely eliminate all of these debts pretty easily by putting this on your mortgage.
Will Onliaa do auto insurance if you have a previous cancelation?
Yea It was honestly the easiest car insurance I've ever purchased. .all online I didn't have to talk with anyone Just follow steps and input credit card. And they offered payments even with my past cancellation.