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Not Able To Cover My Bills - Vent

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Reclusive

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Agh. I guess this is just a vent. I'm SO frustrated! As you all know by now, I'm sure, my cat was diagnosed with diabetes this month and wracked up $500 worth of vet bills. Now, I'm on disability, I don't have that amount stashed away for a rainy day and I don't have a support system I can bum money off of either. So I've been working really hard this last week on this site where I can work or not work, they don't care, they just get a commission from what I make off of clients. Well, I had a week to work and try to earn the $500 back.

I've only ever been late with rent 1 time and that was 1 day late. I paid what I had one day, when I got paid the next day, I went back and dropped off the rent. My landlord is a pretty understanding guy - he lives with his mom and sister and they're both on disability with social phobias, so he's been really cool with us. But in the morning I'm going to have to call and explain the situation and let him know that I'm only gonna be able to do partial this month, but next month can pay the regular, the remaining, plus whatever fees he wants to apply. Hopefully he'll be cool with that. If not, I guess we're finding a new place to live. But the idea of moving just kills me. We've moved 5 times in the last 2 years and I'm TIRED of it. On the upside, we've been here a year and I still haven't unpacked all the way, so I wouldn't have to do a lot of packing.

The most frustrating part is that we should be in an apartment somewhere paying less than what we are, but when we moved in my fiance was working so we had 2 incomes. He had to quit because the PTSD.

Anyways, so I told my fiance tonight that we probably are going to have to make payment arrangements with the landlord and he just about lost it. He's been doing so badly... I kind of expected it to go worse, but really, it was bad enough. I feel like such a failure.

So tomorrow, I have to call the landlord on the phone, and I'm scared of phones, I'm also scared of the landlord, to tell him something bad that he may react badly to, and I'm going to have to deal with the brunt of whatever anger/frustration/irritation he has as a result, and then I have to keep my gumption up to keep working to pay the difference. My nerves are absolutely fried and I still have to function.

Okay, that's enough ranting.
 
(((((((Reclusive)))))))

I've only ever been late with rent 1 time and that was 1 day late. I paid what I had one day, when I got paid the next day, I went back and dropped off the rent.
Where I live, there is a five-day grace period. So I am going to chalk the above up to: you have always paid your rent in a timely manner historically.

My landlord is a pretty understanding guy - he lives with his mom and sister and they're both on disability with social phobias, so he's been really cool with us.
Okay, so already he has a good understanding of your struggle. Does he know about you and your fiance's difficulties? It sounds like there is a good window of understanding here.

But in the morning I'm going to have to call and explain the situation and let him know that I'm only gonna be able to do partial this month, but next month can pay the regular, the remaining, plus whatever fees he wants to apply.
Okay, so you may not have the rent now but you are willing to be fiscally accountable in the future, when you can give him that money, and in the meantime you want to keep living there and bringing money to this place/guy (I don't know how big your place is). You are not running out on a lease. You are not NOT paying for your rent. You are asking for some sort of leeway/extension due to extenuating circumstances, but in the past you have not done this, and you are already committed to continuing to pay your rent in full on top of whatever consequences come with this lateness.

The most frustrating part is that we should be in an apartment somewhere paying less than what we are, but when we moved in my fiance was working so we had 2 incomes.
This sounds like a frustration to deal with another day, but perhaps saving yourself the packing while you can and living somewhere more feasible in the future is a good idea for your stress and for your fiance's stress. It is very hard to support two people on not much. I am always worried about money because I don't know if I can provide for both me and my fiance all of the time. We make it happen, but there is no reason to make that process more difficult on yourself. I don't know what your lease deal is or how attached you are to the place. I know you don't want to move. But perhaps in the future it would be best just to tone down your stress? Your health and the health of your fiance and kitties is way more important than not moving, it would seem. Though no pressure! Just food for fodder.

Anyways, so I told my fiance tonight that we probably are going to have to make payment arrangements with the landlord and he just about lost it....
I feel like such a failure.
Reclusive, you are NOT a failure. You have been under tremendous stress to provide for your loved ones (kitty and your beau), and you should be proud that you did not just crack under pressure yourself, totally give up, and wait for your eviction notice. Others HAVE and WOULD HAVE done this in such a situation! Not you! I know you didn't. I know you stayed up and worked and worked. I'm sure that he recognizes or will recognize this too at some point, but I am more concerned with YOU recognizing YOU. You deserve a big pat on the back and a huge bowl of ice cream (or the sweet and cold treat of your dietary lifestyle's choosing! ^-^) for deciding to buckle down and do the best you could with what you had.

If you are living in a place that you two cannot afford as well now that he is not working, don't you think that perhaps he is feeling a little failure himself, maybe sadness that he was not helping? I'm not saying he SHOULD feel this way. I just mean, perhaps his self-negativity is signaling your self-negativity... when both of you are just doing what you can given where you are with yourselves.

Just my opinion and what I took from this.

I've been very concerned about you and I am proud that you made it to today in one piece and you have kept posting!

(((((((Reclusive)))))))
 
Don't feel like a failure. I am really good at stretching money, but when the money is gone it's gone. You are doing your best and try to keep that in mind. Life is up and down. It sounds like you are doing well in your situation and I wish you the best!!!:)
 
Reclusive - I feel your pain! I haven't gotten ANY child support in 2 weeks. I hope things get easier for you soon.

I'm sending thoughts of dollar signs your way;):D

Hugs and much love.

Heather
 
(((Reclusive))) I hate the way everything always comes down to money. I've lost my job and don't know how we will manage in a few months if I don't find another income.

You are all in my thoughts. Hopefully you can come to an arrangement with your landlord. Some income is better than none for him so he may be OK.

((HUGS))
KP
 
Me too. Makes it seem like it's the most important thing in the world (money). And it SOOOO isn't!

Thank you, guys, I really appreciate all the support.

Sunshine - I've been partially late 1 time by 1 day. I only get 2 grace days and I gave him all but $80 dollars when rent was due and then on the 3rd day gave him the rest. He didn't charge me any fees for that, thank goodness.

Currently, we're between leases. My landlord wants to come by and inspect the appliances before we sign a new one. The appliances are fine, but my cat keeps peeing in the hallway and I've been working to get the stain out because I don't want him to see it. On the upside, I found something that actually takes the stain out, just requires a lot of work, which I haven't been doing as regularly as I should. But I just can't move right now... I don't have it in me. I'm too drained and tired. I have to remind myself every morning where I live as it is and we've been here a year. I just can't.

And you're right about my fiance - he feels horrible that he's not working and I knew he was going to react that way when I told him. I hate making him feel bad about not working because his PTSD is even worse than mine (he's coping worse, anyways, whatever) and I try so hard to protect him from these things, but I know this one I can't hide - mostly because I'm scared of my landlord so I need my fiance to go with me to make rent payments. Dumb, I know, but that's the way it is.

The support I get here really helps a lot - I can't thank you guys enough! I know I've been pretty whiney the last couple of weeks and I really appreciate you putting up with me. Two more days and I can relax-ish-sorta.
 
Well, I wasn't able to reach the landlord today - tried three times and then napped. So, we'll try again tomorrow, I suppose!
 
You tried to call him three times?

You are braver and more persistent than I, Reclusive! I basically want to hang up phones after the first two or three rings out of sheer anxiety.
 
Had horrible PTSD nightmares last night. I guess I'm more stressed than I thought. My fiance is demanding I take a day off from being a responsible human being and I think I'm gonna do it. I'm just so tired and I hurt everywhere. I can't stop yawning and I'm SOOO tense. And that nightmare really got to me.

So, will try the landlord on Wednesday to see if he answers his phone. I didn't leave any messages when I called because I know he doesn't check them, but surely he's seen that we called by now? I kind of feel like he's a big jerk for not answering his phone when I managed to psych myself up to calling him, but I suppose he has the right to not answer his phone just like I do.
 
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