Mums illness has cost us a lot of money. I estimate it set us back at least $50,000 in added costs and lost income. My mum had run up bills, lost her entire savings to a con man and had given away assets including the home. Dealing with the creditors was a nightmare. And no, I can't get anything back.
I also had to close my business when all this started and DH was laid off work with a payout of <$4000 after 9 years of service. I had to take a lot of time off work with no pay when she was very ill.
Don't even mention respite care !!! what an expensive joke that turned out to be!
After we used up our savings we turned to the credit cards and over the last few months that I've been sick and unable to work they have just about reached their limit. My once booming business is reduced to a couple of hours a week. So financially we are really strapped and most people would have no idea.
This morning I opened the mail and as well as our family bills I have Mums bills: a chemists bill for $47 and a bill for incontinence products for $73. Mum has put on even more weight and most of the new clothes that I bought her six months ago no longer fit, she urgently needs all new clothes for summer. I just can't pay for it all out of her pension, it simply doesn't cover it and I am very thrifty with her money. Her account has a total of $103 in it.
I feel like I'm watching my life go down the drain. Before all this happened we were not wealthy, but we had sensibly managed our money and could see that once our children left home we would be able to increase our retirement savings and pay off our home for a simple, but satisfying retirement. Now it's frightening how much debt we are carrying and how little we are bringing in. I wake up at night worried sick about finances. I am going to see mum in a few days and the truth is we can't afford it. I feel angry that this has happened to her and to us and that there is no solution or anyone to share this with other than the blogosphere.
sorry if this sounds depressing, but as I've said before, this blog is the only place I can share this stuff, it keeps me somewhat sane. add to that I'm meant to be 'resting up' and not stressing.... yeah right. at least the weather here is beautiful and the garden is blooming, at least that's something good!
"a penny is a lot of money if you have not got a penny" Yiddish proverb