Mr. Nice Guy has taken a furlough!

I've taken a kick to the balls for the last friggin time. Just this week after much discussion with my better half, we decided enough is enough. We are letting our house be foreclosed on & we're moving out into a townhouse. For 2 years we've struggled financially to keep ahead of the BS. After seeing my income slashed by $40k to what it is now, we've come to the realization that we can't make ends meet and keep our house.

Our finances are such that we have more expenses than income every month now. I'm double mortgaged and 4 months behind on both mortgages. I have almost $1,800 in back property taxes due I don't have money for. We have no savings, no 401k retirement savings, and no health care insurance. Add in $20k in medical bills, facing the upcoming holidays, and the added complication we haven't been able to set aside funds from our business toward Federal, State, or local taxes either. It has gotten to the point too at times where we've struggled to  to buy groceries or pay for needed meds. You can understand the burden & stress we've dealt with for some time. The stress at times has gotten to the point where I drink to numb my mind from this craziness.

We decided this week we had to make the toughest decision ever to give up our house and move into a 3 bedroom apartment that has a full basement. The nice thing is it's in a nice area. The rent is affordable. We don't have to pay water or trash. By making this sacrifice we should begin to recover financially once we get past the holidays. It helps too we won't have to pay homeowners insurance. Nor will we have to pay property taxes (almost $200/mo), and we don't have to worry about maintenance or upkeep of the property.

In a nutshell, we're losing our home, but we should now begin to recover financially. Not happy about it. Matter of fact i'm rather pissed at the way life has taken a sh*t on me & my family. Therefore, i've become somewhat a mean irritable son of a buck! So excuse me I withdraw from the world and keep to myself. I don't want to vent on the wrong person, but at the same time, I've decided that Mr. Nice guy has taken a furlough for  a while to sort out life & what to do.