Haven't posted here in a while. Thought I would update, just to be able to come back later and see how things have changed or stayed the same.
We are still in treading water mode. My commissions were cut unexpectedly at work a few months ago (I am in insurance-this was a carrier decision, not my agency's, their income is down, too.) I am doing ok selling, but when your commissions are cut by 2/3, you have to sell three times as much to make the same amount of money. I am moving into other types of insurance, but there is a learning curve involved and I haven't been able to make up what I have lost yet. Still trying, though. We have lost several agents lately because they can't make it work.
I am slowly accepting that my hopes and dreams are on a very slow track, and we may never be able to pay for our kids college or take them to Disneyworld or to summer camp or any of the things that were done for me growing up. I am working a side job that makes me about $200 a month in addition to my regular (30 hours a week) job, my husband is as well, maybe another $300-400. This has made up for some of the shortfall in my commissions. We need a major home repair, so the money we put aside for a newer car will probably go towards that. We are doing the best we can. It just isn't in God's plan for us to get ahead, at least not at this point in time. That is a hard pill to swallow.
I try to remain hopeful and seek opportunities where I can but I am weary after working so hard for so long. I am just trying to stay faithful and not let me kids see my cry. We continue to tighten our belts, we are just about to the last hole, though.