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Michelle's Help Page

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http://debtfreeme.tripod.com/index.html

I really need some help from anyone who is willing to.  My husband and I have gotten into some financial trouble and we really can't dig out.  I have a daughter from a previous marriage who is 10, and together we have a 3 year old son.  We just found out in June that we are pregnant again, this time with a girl due in Feburary.  We are so excited because both of us wanted a big family, but we really were not planning on having another one so soon!  Now we are struggling to make ends meet and take care of the two we already have.  Doctor's bills are starting to pile up for my maternity care and I am sure once the baby gets here, they will be much worse.  Somehow we will have to be able to pay for child care for all the kids and we only have small vehicles, so we have no idea how we are going to be able to transport them to and from school/daycare.  My husband drives a single cab Ford Ranger and I drive a 4 door Saturn Ion.  We tried putting my sons booster seat in the car with the carseat, and it just doesn't leave any room for my daughter.  The law states she has to be 12 to ride in the front seat, so where do I put her?  I work a full time job and sell Avon on the side for extra money, and my husband works full time and he is also in school full time.  We have about 5K in credit card debt, we are upside down in payments on both of our vehicles, and we owe family 8K.  All total we are looking at about 35K in debt that we have no idea of how to pay.  We are both working as much as possible and have very little quality time with our kids.  Please help us if you feel led to do so.  We are a Christian family with very little close family to help.  My father in law has loaned us 8K that we cannot pay back and I don't have any family as my parents were killed in a car accident 13 years ago.  My father in law is not able to loan anymore.  PLEASE HELP US!!  If you don't want to make a donation, but still would like to help, you can visit www.youravon.com/mgeiger and order Avon from me.  Every little bit helps!  Thank you so much for looking!