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Borderline Personality Disorder and the Trouble With Finances: Can’t Hold a Job, Can’t Pay the Bills

Borderline Personality DIsorder and Trouble with FinancesAs an alternative to the below, I would like to offer up front the following: text or image ads placed in prominent positions on this blog, for reasonable prices.  I do have a link across the top discussing advertising rates.  I’m desperate enough that I’m willing to negotiate them.  Please take a look!  Walking the Borderline gets an average of 2,000 unique pageviews a month, even with the decrease in my writing, which I’m working on increasing.  I have a few SEO hot posts that really pull in the new traffic.  Then of course, I have a smaller (than 2k anyway), but very loyal following.  So it will be worth the money.  A text ad with me, for example, will run you 50$ for the month (and let’s be honest here, I’ll forget to take it down at month’s end and won’t charge you more than the 50 based off my memory flaws).  TheBloggess?  She’ll, rightfully, charge you twice that.  Ok.  So that being said, let’s get to the main post.  Because I’m all sorts of desperate.

We are so horribly screwed for money right now that it’s reached the point of scary. There are three adults who live here, with 4 combined sources of income, but all 4 are fixed. Two of the sources cover the monthly rent basically perfectly, with enough left over for toilet paper. One of those sources was reduced due to its recipient working like crazy in November and December to try to catch us up on bills. It mostly worked, so as of December we were on track. However, because of that his monthly check for being severely mentally disabled was cut in half. Leaving us about $50 short to cover the rent that we normally never have to worry about. Not to mention the other couple hundred that covered toilet paper, dish/laundry detergent, etc. The other two sources of income is school money. We found out way after the fact that one of the two incomes there that will normally appear at the beginning of the semester, will be up to a month and a half late, due to the student being new. They need to be sure he attends classes before they send him the money that covers bills. My check never was going to show up until mid semester, but that wasn’t going to matter because the other check was going to cover all of January and February’s bills. We have disconnect notices for, well, everything for the first time in almost a decade. Turning off the cable would be a simple solution, except both students rely on it for school. In my case as all my classes are online, that’s a 100% reliance. And as we are in a 1 year contract, we can’t simply cut back on that. We are getting 300$ worth of services for around 100$ and while we could live without the tv for a while, removing it breaks the contract. Good deal or not, you can’t break the contract. So all this is to say that while 2 sources of income from school are coming in February and March, we are so far behind despite cutting back on everything, that by the time it shows up most everything will be disconnected, and we’ll be paying this month’s bill in March, and will still probably be behind.

We are doing the best we can. We brought Pat’s brother in with us to help him and so he could help us finance wise. The three adults couldn’t afford 2 households but joined, once we’re finally caught up, we’ll be able to afford 1. Paying off this damn car with the tax return will be a huge help. We’d get rid of it but we’d just have to turn around and figure out a cheaper, but most likely less reliable, car. This car has us in the hole, but it is reliable as hell so far. Pat is planning a small, 20 hr/week job in the evenings once school is out. With school in session it isn’t an option, for long and complicated reasons involving the fact he needs the car to deliver pizzas. I’d get a job but everyone family and doctors included agree that is NOT an option right now. In my mental state I can barely handle the stress of school, much less school and work. Choosing to do just one between the two, going crazy and messing up is best saved for my grades, and not a company. Like I said, I’m not handling stress at the moment. In addition, my fibro, depression, and meds have me highly unreliable for being awake at any given time. And it isn’t a simple case of being “sleepy”. No. I mean passing out at 9PM and still being exhausted like I didn’t sleep at 8AM. Sleepy is cute and cuddly. Exhausted is scary and stabs people. There is a cartoon showing the difference someone, if you need to visualize the difference. So clearly, work is not an option for me. I tried for disability myself, but was denied because “there was no way of knowing if I’d be depressed for a full year or longer”. Yeah. I’m going to get a doctor, get my fibro treated, then try for disability again for both the depression and the BPD and the fibro. Won’t hurt to try. I’ve been out of work a full year now.
I’m still rambling. I’m so sorry. I should get to my point. In 12 years of marriage, Pat and I have never been this financially screwed. We are about to lose everything. If you have anything you can offer to help I need paid for my work here.   My blog has a donate button (towards the top right of the page) and it would be appreciated beyond what words can express. I hate asking this. This… it’s very humbling and humiliating.

If you can’t help, I so deeply understand. Please just know I do truly get it. I understand broke on an intimate level. I understand financial obligations and I understand the wish to give does not suddenly create the ability to give. But if you can help, please click the donate button. It’ll let you donate any amount you have to offer.

One Comment

  1. Ping from Joyce:

    Just wondered how you are doing with your store. I’ve had a Zazzle store for about a year-and-a-half and haven’t sold one thing. I was thinking about maybe closing it down. I have checked your store out and would love to purchase some things but money is very tight at the moment, just like your situation. If you’re interested in checking my store out, here is the link: Good luck with your money situation. I hope it improves for you soon!

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