E is for the Elephant in the Room

This is a little embarassing to admit to, but I have bad credit. Most of it stems from when I was right out if high school and just into college (hello, student loans), but I’ve continued to let it go on for a long time now. It seems like every time I start living beyond paycheck to paycheck, life kicks me in the teeth to remind me just who’s boss around here. For example, things were great with my littlest one’s dad when my student loans came due. I wasn’t worried at all…but then that blew up and I wound up completely heartbroken, living with my mother with a six-year-old and a six-month-old, and working about twenty hours a week as a waitress. It was one of the worst times of my life, and my credit was the very last thing on my mind.

I met Darrick, and it took months for me to even admit to myself how much I liked him. We moved in together over a year later and it took a while to find our groove (joint checking is hard, people!). We both got great jobs and started looking at our future and what we need to do to be able to get into our own house.

And then he started getting sick. His diabetes spun out of control, he started being in a lot of pain, and he was so ill that he lost over 150 pounds in less than a year. He missed a lot of work through that, and then his doctor out him off work while we try to figure out what’s going on with him.

Now we’re in a position where we know a lot of what he’s not sick with, but still don’t have a solid answer on a diagnosis and he’s out of time off. He’s about to return to work, and while I worry my head off about him and how he’s feeling, there’s no denying that we’ll be able to breathe much better financially. And now we can start looking forward to our future a littke more.

And that means getting our credit lined out. It’s scary and it’s going to take a lot of work, but I’ll be glad to get the ball rolling and watch my credit score climb. And hopefully in a year or maybe two, we’ll be able to purchase our own home.

I just wish I had some idea of what I’m doing when I’m trying to fix all this mess! Lol. Everyone has different advice and sorting through it all is tricky, dang it.

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