Boy, I feel a bit out-of-body lately. This tends to happen when major life changes are upon me. I just check out to survive it, check back in when things are a bit more calm! Me and my gosh darn less-than-optimal coping skillz.
Let’s recap…
I moved into a community house with another family in March. BIG CHANGE! A very, very good one, I might add!
I had my second baby in April, at home in my shower no less. BIG CHANGE!!! An awesome one, of course.
I’m starting to unschool/homeschool again and actually getting together with other moms weekly and so on. And once you’ve got a homeschooling “group”, it’s like, official. All of that is also a good thing! The more I invest in Ethan’s life, the more in love with my kid I fall. And the more I see him with his peers, the more I realize he is just fine. Right on track, actually, lol.
For another thing, my husband and I have just celebrated our first year married. I say that because I really don’t feel we were ever married before he began recovery. We have discovered in this year an ever increasing intimacy with each other, something that can only come out of a relationship of honesty and respect. So WOOT for that too!
Okay, so what about the not-so-great changes???
I’ve slowly gotten back to work over the last 2 months, as Verity is now 2 months old (yeek!). But Chris’ work is slowing down and any day or week now they will finally clue in their employees on their official layoff date. The combination of my lost income from unpaid “leave” of my freelancing during Verity’s arrival with my husband’s impending layoff has left us with little option but to declare bankruptcy. A big, big decision, I know. I’ve written before about our use of credit cards to make ends meet (above our means!) through college, and how we joined a consolidation service 1.5 years ago. That was a saving grace up until now, because the loss of my income for the last few months made it impossible to pay our creditors on time, and now they have begun to withdrawal us from the program along with it’s wonderfully low interest rates. Catching up, which has seemed to work well for us in the past, is no longer possible. We simply have no way to pay back our debt at this point, and we have made the decision and begun taking steps to file.
Lucky for us, this should be a very straightforward case, one that I’m so far confident that I can actually do “pro se” (without a lawyer), but we’ll see. Being that we have zero assets (no home, no car, no investments, no nothin), we make well below the state average (to pass what’s called the “means test” for filing Ch.7 bankruptcy), and we have been in a counseling/consolidation service for 1.5 years until this recent double whammy of new baby and layoff, I’m convinced at this point that hiring a lawyer to protect, well, the zero assets we have is kinda pointless. So for the next few months (hopefully less!) I’ll be studying my arse off to learn all I need to file and get started on a new life of actually having the money to pay my bills each month without playing the catch up game. Here, here!
Which leads me to the OTHER big, BIG change… hubby has an appointment to get snipped in a few weeks. AH! This is a tough one for me. I can’t say that I never want to have another child, in fact I’d love more than 2 kids. However, all things considered, I believe its the wisest decision for us. Will I be freaking out and wondering how I feel about this for the next few weeks? Heck yes. But perhaps once its over and behind us, I’ll be free to consider the future without the possibility of more children and move on. I love kids, but I fear that having a “quiver full” wouldn’t be the best decision for us, given all the relational, parental, and financial issues we are muddling through. I trust God to not give me more than I can handle, but I also like to think He trusts me to utilize my common sense. So… yeah, I dunno.
Oh Lordy. Yep, 2009 will be THE YEAR of big changes for us. We’ll just have to roll with them, one day at a time.