What Do I Do Now? - Littleton,CO

K.,
If your husband does not start a new job and your income is low to moderate, you may qualify for Medicaid. My understanding is that Cobra is pretty expensive. If you are raising your grandchild more than half time, she may qualify for medicaid even if you don't, because the income limits are different for children than for adults. It's worth checking into that now, for all of you. You would contact the county office - if you live in Arapahoe county, you could go in person to the office on Alameda, or see http://www.co.arapahoe.co.us/Departments/HS/index.asp

I probably would call the mortgage company now as well. If the income isn't there, then you will definitely need to talk with the company about other options for modification or foreclosure prevention, and from what I understand that is not always easy or fast - so I'd begin now if it were me. That said, I think it's good to stay calm and expect things to work out because a positive attitude can only help bring positive outcomes.

Good luck to you -- I really hope all works out well for your family.

K.,
I feel for you in your stressful time. My hubby and I have started listening to Dave Ramsey on the radio and have read some of his books. It's worth looking in to! He's got great financial outlook and advice. Look at daveramsey.com to find out when you can listen to him. He's also on tv.

Good luck to you. May 2010 be your year!

Hello K.,
I know this is a little late but I think I might be able to help you out. I have a homebased business with AmeriPlan. We offer discount dental, medical, RX and vision plans. We also have plans to save you on your every days savings such as at Walmart, Target and many more retail stores. The benefits are great! You can save up to 80% on dental alone! My son is going in for major dental surgery next week. With our insurance through Metlife it was going to cost us $1360 out of pocket. With my AmeriPlan card our out of pocket cost is down to $856!!! We offer dental plans starting as low as $19.95 a month for the entire family, related or not!!! Our medical, vision, RX and retail savings are just as great. On the business side we get all benefits, daily, weekly and monthly pay, AD&D insurance, direct deposit and many more great benefits! I am so thankful I have found AmeriPlan to help myself and my family! Please take a look at my websites and let me know if you think any of this might help you out! www.freedomathometeam.com/trdettmers and www.everyonebenefits.com/trdettmers, please feel free to contact me at ###-###-####.

Thank you!
T.

I know how you feel! My husband has been looking for a job for months now. We are hoping to hear good news from one that said they would be hiring at the first of January (can they please call January 1st?? haha!). I took a part-time job and have also been doing some Web programming on the side for extra $$$. Then my part-time job employer offered me full-time, needless to say I signed the offer letter that day! :) Still, that full-time job only covers our regular monthly bills (rent, electricity, phone, car payments, daycare, etc). We are late on a lot of our payments and I continue to do as much work as I can to earn some extra $$$.

In your situation, I would continue to look for more work and/or a better job. For you and your husband. Also look into your different health insurance options, so that you will have the info when you need it!

Even if you or your husband can find just temporary work, it will help!

Good luck!

I know it sounds crazy, but I think it is best to tell your husband that you are counting on him to provide and you know that he will figure it all out for you guys. I believe that men and women are wired differently.

If a man knows that a woman is worrying about something and trying to take care of it herself (finances), he is wired to sit back and let her do it.

If he knows that she is counting on him and that she believes in him, he is more motivated to figure out a job or at least figure how to resolve financial issues himself. Men are wired to be protectors and providers and it is where a large part of their self esteem comes from. Although men and women are both capable of doing the same things, CAPABLE is different than where you are most comfortable and where your natural abilities lie.
Women tend to obsess and get ulcers when money issues abound, but men don't.

So put it in your husband's hands, in my opinion, and tell him you are not going to worry about it, that you are sure he can handle it.

Good luck,
Marci