On my feet...

Finally, I am back on my financial feet again. It was a long and difficult summer, financially speaking. My husband Jim only received 50% of his June short-term disability check, due to calendar dates. Then his payments switched from short-term disability to long-term disability. I soon found out that Jim’s short-term paid at the front end of the month, and long-term paid at the end of the month. Jim had no disability check at all for July, or for August. I only work during the school year, so I had no income at all during the summer. I had to manage the entire summer on half of one month’s payment. I went the entire summer on a wing and a prayer, on credit cards, and on the kindness of others. Jim had already emptied his entire savings account and I had nothing left to fall back on. It was scary. It was humbling. It was hard.

It was a difficult time for me, financially speaking. It was also a difficult time for me, emotionally speaking. It was difficult to tell my son that he could not participate in various activities. My daughter did not participate in any extra activities. We were unable to go visit adult children. It was difficult to do activities with my family that required money. It was difficult to ask for help. 

I am now happy to say that this month I am back on track. I was able to meet our financial obligations once again. I had to tell my son that he could not participate in football this year, but sports are a luxury that I cannot justify right now. There is no savings account yet and there are no extra funds, but our obligations/bills are paid. 

I am thankful to friends that have helped us along the way. I have received gifts from gardens, gifts from kitchens, gifts of money, gifts of clothing, gifts of school supplies, gifts of camping, and gifts of time. I will one day to pay it forward.