I’m in trouble and might lose my house.
My financial situation is, in a word, shit.
Last year, I made the mistake of trying to get healthy. After years of weird injuries and organ issues, I was diagnosed with hypermobile Ehlers-Danlos Syndrome (hEDS) in September of ’21, so I spent ’22 trying to repair some of the damage I’ve suffered because of it. For the most part, it worked. A skilled surgeon corrected the disfiguration caused by hEDS-caused poor healing from previous surgery. I’m not walking with a cane anymore. I can breathe better. I also know much more about what’s wrong with me, why it’s wrong, and what I can do to avoid new injuries.
Unfortunately, all that took money and time away from work, and my insurance did not pay everything it said it would. I ended up having bills over $6,000, and I missed a lot of work due to my two surgeries and having to call off from the myriad of injuries, so I made about $4,000 less than the previous year. That’s a $10,000+ swing that my finances could not absorb.
It didn’t help that I had to replace my car three times in the last two years. People keep hitting me, totaling my car but leaving me untouched, so I can’t sue for damages. Replacing a vehicle is expensive, even when you have insurance.
As a result, I’m a month behind on my mortgage, and they’re calling every day. I’ve been trying to get back on track, but something always gets in the way. My house is falling apart because I don’t have the funds to do repairs. I haven’t had a hot shower in months because my water heater now provides less than two minutes of hot water. I need to fix my gutters. Maybe if the bank saw the house, they would say, “Yeah, just keep it.”
I’ve stopped going to the doctor. Why continue the behavior that got me in this mess? I don’t think I can keep that policy because my neck issues are getting worse. I’ve stopped transitioning. Granted, electrolysis to remove facial hair is all I have left, but it’s frustrating not to have the money to finish.
I keep cutting expenses. I don’t go to the movies. I rarely eat out. Actually, I rarely eat anything I can’t make in bulk and eat for at least three…