Worried and frustrated...

It's already March.  Third month of the year and I had hoped to have already applied for a loan.  I'm really getting worried that this year will be another difficult one with trying to pay down the credit cards again.  Just when I feel like I'm ahead everything goes south.  Part of it is J.  He doesn't make enough money and he hates his job.  He hates it so much he calls in sick whenever he can.  Which now he can't anymore.  He got a notice the last time about his excessive absences.  Anyway, as a result of his crappy paychecks, he doesn't contribute anything to paying down the bills.  But he does add to them which is infuriating right now.  I paid down 400 and he just charged 300.  He better makes some changes soon because this isn't going to work if I can't see the cards go down.  We'll never pay them down and I know we make enough to do that.  Just getting frustrated and feeling anxiety about it.  This year can't go by without us doing anything.  I'm getting to the breaking point.  I have patience.  A lot of it but this is getting out of hand.  Sometimes I feel like I take a back seat to everything.  I'm going to apply either way by May.  I wanted the cards to be paid down but I need to move already no matter what.  For my own sake I need to try. 

Beginning of 2014...

My sister calls me daily with updates on my Dad.  He is in end stage dementia.  They are going to put a feeding tube in because he can't swallow anymore. I believe that's because of the Parkinson's and not the dementia.  Anyway, other than the feeding tube, nothing heroic will be done.   We'll visit him in a nursing home till he finally passes on.   I just don't want him to be in any pain or discomfort.  He deserves to feel comfortable at this point in his life.

I'm trying to be patient on the baby front.  I'm hoping  to see what we qualify for in a medical loan.  I want to get this show on the road or at least know what we need to do to get there.  I'm not sure what we'll qualify for but we should qualify for something.  I've been very careful.  I've paid down almost all the credit cards. Our income to debt has improved and we've been extended more credit for our current cards which looks good too.  I was hoping to do this in December but I didn't want to do anything till that loan shows paid in full.  I feel like time is ticking away and it's so painful sometimes.  I've worked at my company for almost 8 years and I've seen people get married, have child after child, growing their families. And my family has just been J and I and our cats.  I'm so tired of this waiting game.  I wish our credit didn't stink.  I wish it was 10 years earlier and we had all the credit cards we needed to do this.  Maybe this is for the best but I can't see that now.  I feel stress and anxiety all the time.  I'm trying to relax but it's so hard to do.  Luckily I have my cats which give lots of snuggles.  

Thanksgiving week....

J left today for training.  It's only tomorrow but then he has a trip from Wed-Sat this week.  Working straight through Thanksgiving this year.  In fact, he'll be in Montreal for his overnight.  He's actually happy about that since Canada's Thanksgiving was back in October.  Means he'll be able to get dinner somewhere without worrying if anything will be open for the holiday.  Anyway, I have plans for lunch tomorrow, plus, I might bring the car in for a oil change.  I know, not very exciting but it needs to be done.  I'm also very excited because by mid December, I'll have only one credit card left to pay down and then I can apply for that loan. I'm praying we can get the financing we need for what we want.  It's a long shot but I have to try.  I really want 2014 to be the year I bring home a baby.  2013 is almost over and I'm so glad.  These last few years have been really hard on me and J.  We need something to turn around for us.  He keeps saying he's going to get his applications out.  He told me this CA he flew with scolded him.  Maybe that's what he needs.  For someone else to do the nagging.  She couldn't believe he hasn't done anything yet.  Anywhere he goes, he'll make more money from the get-go.  I just hope he's serious when he tells me he's ready.

Anyway, J will be home this Saturday so we are going to have a nice Thanksgiving dinner on Saturday night. Or Sunday.  We'll play it by ear.  I can make stuff ahead of time so it won't be too taxing on Saturday.  We decided to save some money so I drove him to the airport today and will have to pick him up on Saturday. But it will be nice to have some sort of holiday dinner planned even if it's not Thursday.   I've learned to be a flexible pilots wife.  

Trying to make plans....

I've been going over it again and again on what to do next.  The plan, as of now, is to continue to pay down the credit cards and in mid Nov, apply for a fertility loan.  I pray we qualify for something.  The last time I applied to Springstone Financing they said I didn't qualify for anything.  I was devastated.  But we have another company we can apply to in addition to Springstone so we'll do both and see what happens.  I think our credit has improved since then.  We've gotten increases in our credit limits which is good to have.  I don't want to ever wind up in a situation like we were five years ago.  We depended on the credit cards when we both lost our jobs.  In the end having so much credit hurt us.  This time, we have limited amount of credit and that's okay.  I prefer to grow our savings account and use that in case of emergencies.  Of course, right now, all I think about is saving for our next treatment.   I'm also doing better with my diet.  I've been using Sparkpeople to track my calories, carbs, weight loss.  I check my blood sugar every morning but it's still on the high side.  Even though I track my carb intake and keep it low it doesn't seem to be changing much.  It's not going any higher but it's not getting any lower.  My next appointment to check my A1C isn't till next Feb/Mar so unless it starts to skyrocket, I'll just wait till then and see what it is.  However, I will say, it gets old tracking carbs.  I'm tired of watching everything I eat.  I'm tired of saying no to all the treats at work.  I'm tired of trying to explain why I say no when asked if I would like a treat.  People take for granted that they can eat whatever they want and as much as they want anytime they want.  I guess I now know that I will have to think twice before eating out or any treat for the rest of my life.  I guess that's why my sister is on insulin.  It's just so much easier to do that than track your food.  But that can only lead to health problems and I want to make sure I'm super healthy to carry a baby.

On another note, J finally finished his logbook.  He's going to schedule an appointment with him AME and get his first class medical so he can go on interviews.  I'm getting excited that he's finally getting the ball rolling.  

Not chosen...

Today I found out we didn't get the grant.  Today I'm feeling really hopeless and sad.  I'm afraid my dream of having a family is coming to an end.  This is really hard for me to deal with today.  I wound up taking a half day from work to come home and try to deal with this new grief.  We also had to take our cat, Scottie to the vet.  He suddenly stopped eating and we were worried.  So far the vet said he's OK just dehydrated.  They gave him fluids and when we got home he went to his dish to eat which made me happy.  He's not ready to die yet and for that I'm thankful.  It would have really sucked if we lost him today along with everything else I'm down about.  I got super mad at J too.  He's put me through a lot this summer and he seems to think we can just wait another year till he gets a new job.  He should have been already done with his logbook in the summer and started applying now but he hasn't.  It seems he has one excuse after the next and the fact is, he hates his job and he'll never make more than he is right now.  This is putting a huge financial strain on us and he has the power to change that but hasn't.  He calls in sick very often and tries to get out of work all the time.  We spend more money for him to commute to work than he is making so instead of the credit cards going down, they go up.  I pay them down and he spends the money and sometimes, even wastes money.  I feel like I’m the only one vested in trying to save money for fertility treatments.  I’m beyond frustrated and emotional today.  Every time I try to talk to him about it we have a blowup.  He keeps saying that there is no hiring boom.  I need to wait for the hiring boom.  Turns out, he missed the US Airways hiring boom.  He said he was going to finish his logbook in July.  He said it would take 2 weeks.  It’s October and he just finished.  He was on disability from July 23^rd till Sept 13^th.  In that time, we got no money from him and we have recharged all the credit cards.  He’s always upset because we have no money but he doesn't do anything to fix it.  Just complains about it and bitches about his awful job.  Right now, I struggle to go to work and see all these people who have children and families.  I deal with it every day and today I want to sulk, cry and feel a little sorry for myself.