I had to replace my HVAC unit last month and now I am totally broke.
I didn’t have $6500 to spend on the new machine, so I had to get a loan from the finance lender down the street. The place is good for people with less than perfect credit, but they charge a huge interest rate. My payments each month are $215 and right now my monthly income is only two thousand dollars each month. My wife was working until recently. She was the person earning the most money as a nurse. When she got into the accident, she tweaked her back and neck. Most days, she can barely sit still and lay down. She is in constant pain. When the problems with the HVAC unit occurred, I knew we were going to be in trouble financially. The bank wouldn’t give us a loan, because my wife can’t work anymore. We were in quite a pickle and had to take the deal from the company down the street with crazy high interest rates. Now all I can do in the middle of the month is hope and pray that we have enough money to get through. I get paid on the fifteenth and that day is when the payment for the HVAC is due. I can’t be late or the fees are outrageous. If the car breaks down or something else in the house needs to be repaired, we are totally doomed.. It’s hard to pay for milk, bread, and laundry soap. I can’t add car repairs to that list. I honestly don’t know what we will do if things don’t improve soon.