Depression and stubborn OH

Raksha

I have been diagnosed with depression, been taking Prozac and am now on an even keel. Work have been very supportive and allowed me to reduce my hours to keep my hand in, so to speak, but allow myself sufficient R & R, but ofcourse this also means reduced income........

OH is insistant that the CC bills must be paid at all costs, whilst I think the best way to cope with the reduction in income is to contact them (they are mostly in his name, so I can't do it anyway) and arrange a short term reduced payment until I am back at work full time........ He's doing car boots, Ebay (which are both pretty dead at the moment) and we are money saving like there is no tomorrow, which isn't really helping my depression - I've been without a prescription for my tablets since the weekend because we had no money until a postal order cleared through his bank account.

Help? Anyone? Should we keep on going regardless (not enough money for day to day essentials)? Or should we contact the CC companies?

Marker_2

I would contact the CC companies and see whether they will accept a 'relief period' you both can agree on - of course before doing this i would work out your finances to see what the maximum you could dish out would be. CC companies prefer something rather than nothing!

I think it is good your OH is concerned about the CC (even though that may not be what you need to hear with your depression) but best getting a hold on it now, otherwise you may find yourself in a mess and that may contribute more severly to your depression.

Good Luck x

dmg24

I would echo the comments of Marker, however I would be aware that a reduced payments plan can affect your credit record, so if you will be needing to apply for credit in the near future, this may have a negative impact.

Whilst I am all for being savvy with money and keeping up repayments, it is concerning that it would come before your need for your medication. Maybe he needs a polite reminder of how much of a difference they make to you?

If you look at the Debt Free Wanabee board, you can post a Statement of Affairs (SOA) and people will do what they can to help you realistically minimise your outgoings.

Have you asked your doc about the possibility of getting two or three months supply of Prozac on one prescription? Some doctors will, some won't, but it is allowed, and would be a helpful saving?

Take care x

absolutebounder

You will almost certainly do severe damage to your credit rating and this can last for several years. You should cut your budget elsewhere. I realise this may not be easy but it has to be done otherwise money troubles will worsen and health will probably decline.

Oldernotwiser

If the credit cards are in his name then it should be his decision as it'll be his credit rating that's ruined if you make an arrangement. If they're your cards then I'd say that it's your call what happens. Perhaps this would be the way to compromise if you're more worried about your state of mind than your credit rating?

Paparika

Does he have any luxuries, or drink or smoke, ask him to give these up so you can pay for your prescriptions as its very important that you keep taking them, don't miss days because you can't afford them. e bay works if people buy but, he still has to pay to advertise!

mymatebob

Firstly can I just say that it is good to hear that your situation has stabilised.

I think that you should, with help of people on here, look at ways of reducing outgoings.
You can do a lot of background work here and then talk to your OH in a calm way to see what can and cannot be done.
He may well believe he is doing all he can but with the advice from this site realise that there is the potential to do more, or prioritise the outgoings.

Only do this when you feel able to cope, no matter what, money is only money - your health is what really matters

All the best