I don’t know if all mortgage companies work this way, but with ours, when you get behind on your payments, you can’t get back on track gradually.
They will only accept the entire amount you are behind.
And when you get into really bad financial trouble, eventually you get to the point where it is impossible to catch up.
The hole is just too deep.
Then you are drowning.
If you’ve been around here a while, you know we are emerging from a three-year-long financial nightmare.
You know we made some mistakes and unexpected, unplanned, and unpredictable emergencies come up. Repeatedly.
You know we were shot down for help from our mortgage company more than once and came very close to losing our house.
You know that things got really, really, really bad.
You know we were on food stamps and relied on the help of friends and family and even complete strangers.
I don’t feel bad that we needed to ask for help.
I don’t feel bad that we were on food stamps for a year.
You never know what’s going to happen.
You never know.
I was judged and shredded by plenty of people who made it clear that they would never, never, ever find themselves in our situation.
I’ve read plenty of comments on the blog or just on social media in general about how people who go on food stamps are lazy and opportunistic and taking advantage of the situation and abusing the system.
I’m sure there are people out there like that.
I know there are.
But there are also ex-husbands and ex-wives out there who abuse the judicial system.
There are certainly politicians who abuse the system.
There are doctors and lawyers and teachers and coaches and accountants and people in every single line of work and walk of life who abuse every system they are a part of.
But that doesn’t mean they all abuse the system.
That doesn’t even mean that most of them do.
And I’m going to go out on a limb and say that the majority of people on food stamps don’t abuse the system either.
First of all, it’s fucking hard to qualify for that shit.
Unless you have been on them yourself, you have no idea the amount of paperwork that needs to be filled out and how (for us anyway) it takes a very long time to be approved.
But here’s the other thing.
While I have no problem at all with needing or accepting help, I very much looked forward to the day when I wouldn’t require it.
We stopped receiving food stamps in February.
And you know what we did yesterday?
We made a mortgage payment.
The first mortgage payment we have made in a long, long, loooooong time.
The first one our mortgage company would allow us to make.
We are finally getting our feet back under us and moving closer to a time where we will be able to do for someone else what other people did for us in these past three years.
And that feels really good.