- $ 20,000 = Credit Card Debt
- $ 33,000 = Home Equity Loan
- $ 1,500 = Line of Credit
- $142,000 = Mortgage
I knew getting a teaching job, even in the school district in which I had tenure before I stopped teaching in order to raise my children, would be extremely challenging, so I decided to go back to substituting with the hopes of getting my foot in the door somewhere. Unfortunately, I misunderstood the state's requirements for keeping teaching certifications active and I found out that I needed to complete 120 continuing education hours in order to reactivate my teaching certificate.
I discovered free, online, self-paced courses that would ultimately fulfill my continuing education hours. Unfortunately, our financial needs have become so dire that I have been finding it almost impossible to simply focus on these online courses. Much of my time has been spent in applying for food stamps and medical assistance, things I never thought I would need to do, so we can continue to pay our bills and eat on a regular basis.
I desparately want to get out of debt, but I'm trying to balance that with making sure all our current bills are paid on a regular basis.