please Help Us Out

Hi my name is Rachel, I'm the Mom to 4 beautiful kids, a boy that is 12 years old, boy/girl twins that are almost 7 and the Baby who is getting ready to turn 2. I'm in desparte need to be a happy Mommy again.

I have always been the bread winner of the family until my husband got a decent job that meant that I would have to stay home with the kids. I jumped at the chance to be a stay at home Mom. We never wanted our kids to be in daycare. My husbands job provided enough money in the beginning but as the 2 years has past circumstances has changed and the further and further behind we get. We need some financial assistance to get us out of a hole. It all began because of the house we live in went into tax deliquency foreclosure. The house we live in is in my husbands and SIL's name. She got into financial trouble and did not pay the property taxes for several years. After 10 long worrisome months that has finally been resolved. In the meantime while trying to save the roof over my kids heads I have been robbing Peter to pay Paul so to speak. I would be behind in a utility and use our overdraft protection on our checking account. This has snowballed to $850.00. At $1,000.00 they will close our checking account.

I've cut back on everything that I can possibly cut back on. I stopped smoking to save money. My kids live on a diet of basic staples (i.e, pb&J, chip chop ham, hot dogs, mac/cheese, baked beans) just to make ends meat. This is so hard on my 12 year old who has seem to develope and endless pit over the last year. It is so hard to have to take my kids anywhere and have to keep telling them NO NO NO. But it just keeps snowballing. It is now 2 days after payday and I have no money to buy the kids school shoes, pay the school fees or provide food after the 3 day supply I have left.

I was planning on going back to work full time once school started as I would only have to put one in day care. It just seems that was not to be as I fell and landed on my arm. I ended up dislocated my arm at the elbow, fracturing my arm, tearing ligaments and tendons from my fingers to my elbow and fracturing my elbow joint. I am being told by my orthopedic surgeon that I will have permanent disabilities of my arm from the severity of the injuries. The doctors are still trying to decide if surgery will cause more harm than good with my arm. It is a given that I will never have the ability to turn over my arm again on its own. I have a very strong chance of constantly dislocating my arm at the elbow. The worst fear they have is that if they do have to do surgery my arm will be in a permanently locked position. This is really hard on me as I have always worked as an administrative assistant. I am in contant extreme pain which is really hard as I have a very very ACTIVE climbing 2 yr old on my hands. I am very thankful though that I did not fracture more of my body in the fall and that at least I still have an arm. I know I could be 100X worse off than I already am.

I would just like to get out from under the overdraft protection as that is just adding to my stress and anxiety and not producing a very happy family environment anymore.Unfortunately our family is in no position to help us. I really can't get a loan and add another bill into the mix. I just want to be able to get out of the overdraft protection problem and then I will be able to handle all the bills in a timely manner. It is just tearing me up.

If you can help it would be so appreciated, however I understand that this is a shot in the dark and I plan to continue in my quest to earn as much as I can from home in the best possible fashion that my physical limitations will let me.

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