help :(
Hey guys, I really need your input on this. My family is going through a really rough situation right now financially. It's the hardest it's ever been. Right now, my mom is in the process of surrendering my car as well as the family car because she just cannot afford to make the car payments and the insurance which is too much to handle. She is cutting off my insurance entirely.
This is going to kill me because my car is literally my means to everything. I go to a community college so I commute by car which is a half hour drive, and I drive to work which is about a 20 minute drive. I will have to start taking the bus, which takes approx. 1 and half hours to get to and from school. Not to mention, the nearest bus stop is a 20 minute walk. It'll be hard getting use to that.
My dad's company has been extremely quiet, and he has not worked in over a month straight. The year of 2008 has been the ultimate worst thus far. He hardly brought in any income. 2008 has ruined my parent's credit and we are in some serious debt. Something that I never thought my family was capable of encountering.
My parents are extremely depressed and everyday it seems to be getting harder and harder as the unpaid bills keep piling up.
Not to mention, my job at Urban Outfitters has been intensely cutting down hours. I use to work 4-5 days a week for 8 hour shifts. It's been cut down to 1 or 2 days a week at 6 hour shifts. They just called me and cut my shift today :(
Is anyone else's family going through similar situations right now? I know this can be a personal question. Do you or anyone you know going through a hard time financially? How are they handling it? And do you think once Obama is inaugurated, things will really be different and better?