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At my house we are already in a depression..

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We are a middle class family struggling in todays economy.

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So this nation is just now waking up to the fact that the country is in a recession ....Well hell at my house we are already in a depression..

I'm 49 years old. My husband is 58 and we have been married for 29 years...We have both always worked hard.. a full 40 hours or more a week. We have one son who is now 18. We have never been able to get to far ahead with our finances. I worked as a certified nursing assistant in nursing homes and my husband as a maintenance supervisor in nursing home. We have always had medical insurance. Thank God!

2000 was our best year. We bought our first new car and our first house. For a few years we didn't seem to have many money problems.. But once we bought our house we were slammed every week from banks wanting us to take their credit cards.. three or four offers a week. Before we had our home we never had any credit cards but we gave in and took the bait to some department store in the mall and a few major credit cards.. we said it was ok to use them just for emergencies...

The emergency happened in February 2003 when I was working at my work as a c.n.a. and hurt my back...a herniated disc that sent shooting pain down my left leg. I was immediately put on disability and was scheduled for back surgery.

So now money was short and we began using the credit cards for gas, food and Christmas gifts. As time went on with me on disability for three years and I was told I could never work as a C.N.A. again I became very depressed, which led to me taking longer to heal and find a new job...

Now we could see this housing bubble and we could see that we couldn't continue making our house payment on just my husband's paycheck and survive on credit cards and my disability checks. So we decided to sell the house before we lost it.. Oct. 2005 we sold our house and put all our stuff in storage and lived for months in a one bedroom apartment. We had no Christmas that December. We found a 3 bedroom house to rent in February 2006 for $1200 a month. We were still buying groceries and all our gas on credit cards. In November 2006 I found a job-- low paying $9.00 an hour, 6 hours a day. Now I have a job and I'm off of disability and feeling better for the first time since my injury.

We hoped that we could leave our money shortage behind and pull out of our recession. But we were in deep credit card debt. We spent all year cutting back. First to go was the cable tv... then eating out at fast foods. We stopped buying presents for birthdays and anniversaries . When Christmas of '07 came we had another "no Christmas." After Christmas, everything began to snowball. Since I need to drive all day for my job..(I am a support staff for mentally and physically disabled adults in a day program,) my car was using to much gas Lucky to get14 mpg. We traded off my car and got a new car with better gas milage.20 mpg. with a car payments now. Gas has been going up every week in America so in order to keep our tanks filled to get to work we had to make some more cuts in other areas in our budget ..now ..no lunches at work and less food in the house.

We had to file for bankruptcy in January of 08..Today we are broke as ever..no credit cards for gas and foods to get buy on. we can't make it from paycheck to paycheck any more. Today my husband and I decide we can't make it any longer in California and maybe the best thing to do is split up. He needs to keep his job and my son and I will move back to Illinois to live in the basement at my 75 year old mother's home, who, by the way, just took in my nephew, his wife and their 1 year old son. My mom said "we use to all live together and sleep 4 to a bed in the depression we can do it again." "We can all pull our money".
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If my back holds up I will start a small garden and my mom can teach me to can our food. My husband, well, he will find an apartment close to his work. We figure we may be separated a few years. I hope I can find a job in Illinois, but my mom says there is no work there. The only thing keeping us from pulling off our new plan is we are too broke to move. Illinois is 2000 miles away we can't afford a u-haul truck to put all the stuff in. plus gas to move. Now we are waiting for the Bush stimulus rebate check so we can move. But that won't be enough either.

When I look back over these past years I think. What did we do wrong? We had our hopes and dreams to "live the American dream" we worked hard we wanted to own our home, retire and play with our grandchildren as we grow old. Why didn't it happen?

Well, good luck America as you go through this so called recession. Cuz this family has already been there...we are already in the depression.

Pamela Thompson

I just felt like telling my story. You can find me on myspace
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pamela's protest at http://www.myspace.com/radicallysaved59

 

I am Pamela J Thompson aka pamela's protest. I'm 49 years old. I live in Modesto Ca. (for now) I work for a day program for Mentally and physically disabled adults. I have a myspace profile http://www.myspace.com/radicallysaved59 and I love to post (more...)
 
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too. The scary thing is, it is going to get about ... by Steven Leser on Sunday, Apr 6, 2008 at 4:23:16 PM
Thanks Steven, I went and read your 2 oped article... by Pamela Thompson on Sunday, Apr 6, 2008 at 9:52:48 PM
it is soooo simple. you just gotta talk to the god... by Wolfie on Sunday, Apr 6, 2008 at 5:01:04 PM
You did nothing wrong. People today work constantl... by Bob Gormley on Sunday, Apr 6, 2008 at 5:02:13 PM
Your story is a carbon copy of many millions of ot... by James Strait on Sunday, Apr 6, 2008 at 5:09:06 PM
Though I never qualified and was scared about keep... by Stanimal on Sunday, Apr 6, 2008 at 7:59:16 PM
Well Pam I have done a lot of Bush bashing but I w... by TomK on Sunday, Apr 6, 2008 at 10:17:19 PM
Hello Tom thanks for your reply...I will agree wit... by Pamela Thompson on Sunday, Apr 6, 2008 at 11:20:38 PM
When Alan Greenspan encourages people to buy home ... by Rob Kall on Monday, Apr 7, 2008 at 9:30:18 AM
In my research and reading, Rob, it is not "i... by meremark on Wednesday, Apr 9, 2008 at 6:51:03 AM
You got it all backwards.  See Rob Kall's... by Len Hart on Thursday, Apr 10, 2008 at 7:07:16 AM
post, not 13,000 jobs lost due to relocating multi... by Stanimal on Sunday, Apr 6, 2008 at 10:30:30 PM
Pamela, yes, you made some mistakes but they are m... by Nana P. on Monday, Apr 7, 2008 at 8:59:26 AM
Pamela, I feel sad that you are depressed. I hope... by Philip Pease on Monday, Apr 7, 2008 at 11:23:01 AM
She needs reality.  Compassion is nice, but i... by Matthew Griffin on Monday, Apr 7, 2008 at 11:26:35 AM
Very cold Matt.    Who are you to s... by Bob Gormley on Monday, Apr 7, 2008 at 2:32:25 PM
The essence of personal financial planning is to f... by TomK on Monday, Apr 7, 2008 at 12:38:18 PM
the major wrongdoing is not on her. It is on the u... by John Sanchez Jr. on Monday, Apr 7, 2008 at 1:19:35 PM
Pam makes no mention of Predatory lenders, either ... by Matthew Griffin on Monday, Apr 7, 2008 at 1:45:56 PM
that you have read and come to fully understand th... by John Sanchez Jr. on Monday, Apr 7, 2008 at 5:53:55 PM
Granted Pamela may have made some financial mistak... by Bob Gormley on Monday, Apr 7, 2008 at 2:27:15 PM
My advice - weave your own Safety Net.  Don&#... by Matthew Griffin on Monday, Apr 7, 2008 at 3:03:07 PM
You are right Matthew, but compassion comes first,... by Bob Gormley on Monday, Apr 7, 2008 at 4:34:17 PM
I suggest universal healthcare only because costs ... by Bob Gormley on Monday, Apr 7, 2008 at 4:39:09 PM
For the past 5 years I too have been struggling th... by Michael Shaw on Monday, Apr 7, 2008 at 3:06:12 PM
I just came home from my hometown Cleveland. Row a... by siriusss on Monday, Apr 7, 2008 at 3:46:14 PM
Pamela's story, as many people have mentioned,... by Jim Donovan on Monday, Apr 7, 2008 at 4:06:30 PM
I want to thank both TomK and Matthew for enlighte... by Nana P. on Monday, Apr 7, 2008 at 4:07:22 PM
You were ONLY giving her a shoulder to cry on........ by Matthew Griffin on Monday, Apr 7, 2008 at 4:41:09 PM
when the advice is followed, but the decline of th... by John Sanchez Jr. on Monday, Apr 7, 2008 at 6:05:04 PM
Well, John, now you're asking me to deal with ... by Matthew Griffin on Monday, Apr 7, 2008 at 6:34:35 PM
You may have looked both ways and still get run ov... by John Sanchez Jr. on Monday, Apr 7, 2008 at 11:23:21 PM
Hi Pamela: I'm so sorry to hear your plight, b... by Deb Della Piana on Monday, Apr 7, 2008 at 6:10:08 PM
As I sign off from this popular thread, here are 2... by TomK on Monday, Apr 7, 2008 at 8:40:50 PM
Pam, You just learned some hard lessons late in li... by Bill Fangio on Monday, Apr 7, 2008 at 9:15:28 PM
how any system of government could aspire to rival... by John Sanchez Jr. on Monday, Apr 7, 2008 at 11:33:07 PM
If we live under such a corrupt anti-social govern... by Matthew Griffin on Tuesday, Apr 8, 2008 at 8:51:31 AM
You need to understand that Libertarian or Objecti... by John Sanchez Jr. on Tuesday, Apr 8, 2008 at 1:21:30 PM
Socialism is how we have a US Postal Service, and ... by meremark on Wednesday, Apr 9, 2008 at 6:30:15 AM
The very purpose of the way revolving credit is ar... by Steven Leser on Tuesday, Apr 8, 2008 at 11:07:06 AM
My fault or Miller Brewing, Co.?... by Matthew Griffin on Tuesday, Apr 8, 2008 at 11:52:28 AM
if the economy was architected such that it was de... by Steven Leser on Tuesday, Apr 8, 2008 at 12:30:53 PM
I'm going to summarize what I understand from ... by Matthew Griffin on Tuesday, Apr 8, 2008 at 1:04:14 PM
Obtuse... by John Sanchez Jr. on Tuesday, Apr 8, 2008 at 1:26:22 PM
related. I think this is part of the problem. You ... by Steven Leser on Tuesday, Apr 8, 2008 at 1:35:08 PM
that doesnt affect the fact that we need Universal... by Steven Leser on Tuesday, Apr 8, 2008 at 1:36:57 PM
WHEN I ASK YOU IF I'M CORRECT.(You can tell it... by Matthew Griffin on Tuesday, Apr 8, 2008 at 3:11:16 PM
Subtle but important difference... by Steven Leser on Tuesday, Apr 8, 2008 at 3:43:48 PM
I didn't realize that the Bankers created cred... by Patrick Henry on Wednesday, Apr 9, 2008 at 8:16:50 PM
point. The banks have your credit report and your ... by Steven Leser on Thursday, Apr 10, 2008 at 3:19:24 PM
The banks are of course partially responsible for ... by Patrick Henry on Thursday, Apr 10, 2008 at 7:02:55 PM
John and Steven (because I think we are the only o... by Matthew Griffin on Tuesday, Apr 8, 2008 at 1:53:53 PM
Step back and look at the Bigger Picture than The ... by meremark on Tuesday, Apr 8, 2008 at 3:26:28 PM
Well, you almost got the story right.  After ... by Bill Fangio on Tuesday, Apr 8, 2008 at 5:01:59 PM
Perhaps help me understand."... every man fro... by meremark on Wednesday, Apr 9, 2008 at 5:59:35 AM
Rather than just talk about the history, why don&#... by Bill Fangio on Wednesday, Apr 9, 2008 at 10:04:57 AM
... reciting what the old had established, as ever... by meremark on Wednesday, Apr 9, 2008 at 4:42:27 PM
... my reading level comprehension.  For exam... by meremark on Wednesday, Apr 9, 2008 at 5:16:25 PM
my salary could not afford a new car, and home pay... by Stanimal on Tuesday, Apr 8, 2008 at 7:47:22 PM
You're right, Rob. Greenspan's advice was ... by Len Hart on Thursday, Apr 10, 2008 at 7:05:58 AM
Why is it, that whenever I 'reply' to a po... by Len Hart on Thursday, Apr 10, 2008 at 7:09:24 AM