You guys are in a jam, the best thing you can do, it tell your son to get a ful time job or live on his own with this girlfriend. If they are contributing to the money fund, then things will be easier,m but i think that the GF kicking in $20 a week isnt going to cut it. They need to be paying you rent and for food and everything else. I realise he is your only child and only children are sort of babied, but there is no reason for this.
What is he going to do, ask for new parents, no. He will help you. They are draining your resources and creating bigger problems. As for the domestic bills, you really should look at exactly what everything is costing you, the phone bill the cable, insurance. look for a better deal. the telephone and insurance can be shopped for better plans with different companies. the electricity can be affected by changing light bults to energy efficient ones. costs $$ upfront, but long term is better.
Also adjust how to keep your termostat set. Let if get a little warmer in the summer and a little colder in the winter. I do that and it keeps my below my neighbors. As for the credit cards that are not being paid, as long as that will work, let it work. If some creditor desides to get fiesty, deal with it then. Good luck to you.
Carol, Welcome to the real world. Some of the hardest things we have to do is to change life styles to survive. Cutting out everything that is not a absolute is sometimes the hardest thing to do. Cell phones, cable, I know the only thing you have to escape with, has to go.
We had to look at where the money was going too at one time. Can you afford that home, can you find something smaller or cheaper will the down payment on another home be there. Will you beable to move to something more affordable. Only you can answer these questions. Call your card holders, make a 10 dollar payment on them no matter what. See if you can’t find a cheaper interest rate card and transfer the balance to it.
See what you can cut off. If you keep one cell phone cut the land line. Learn to cut hair, it can be done, or just have them shave their heads with clippers. Cut coupons,change eating habits, get out the cook books and make it all yourself. Bag lunches, sell everything you don’t need or use. Take that money to have an extra payment on the house. Forget Christmas like you knew, pull names one gift each to give. Things are going to get worse, knowing you have a problem is the first step to heading off the big fall.
Everyone can pull the rope. Your kids will not be the first or the last to have to help during times like these.They are adult enough to live together in your home, they are adult enough to help. They may have to take two jobs too. What you can do at home in the kitchen, sewing room, can help. baby sitting is a good one for older children who simply need someone there or drop offs until parents get home from work. Think what you can do for extra money and get doing. Put signs up on local boards at church, schools and local malls. It can be done, two grand is something, it can be done.