Our Biography

"Experience is a hard teacher because she gives the test first, the lesson afterwards." -- Unknown

A Little About Why We Need Help

Married in early October of 2002, we were looking forward to beginning a new life together. However, our new life was haunted with previous decisions that each of us had made before we had met each other. We both have debt, mostly due to attempts to obtain an education. I am currently enrolled in college and my husband is hoping to start school in the future. My school is currently being financed until I graduate. Projected graduation date is 2005. However, I do have out-of-pocket expenses for some classes because of the level of financial aid that I qualified for. My husband still owes money for a technical school that he attended a few years ago.

Our careers are yet to take off as well. I have been working steady but have been informed that there is no hope for raises the next two years. My husband has been struggling since losing his job after 09-11-01. The job market is very poor in our City and he's been attempting to find good, quality work, employed by various companies for the last year now.

We purchased a townhouse in the beginning of March of 2002. Many of the moving expenses were put on our credit cards. The house we purchased was plagued with wiring/electrical problems that were found, of course, after we had moved in. We had to purchase a washer/dryer and miscellaneous other expenses that continued to add up. However, the majority of the expenses on the credit cards relate to school, either tuition or the cost of books.

Not only are we having problems with our finances related to school and our home, we owe money to my husband's grandfather for one of our vehicles. My car is paid off, thanks to the generosity of my family, however, we just discovered that we'll need to replace the engine. There is an oil leak in the head gasket that is getting worse every day. We are just putting a band-aid on the problem until we can scrape up enough money to fix it or trade it in for something different.

And the most dearest to our hearts is our desire to have children. After a previous miserable relationship, my husband chose to have a vasectomy, never believing he would meet me and fall in love. Reversing the procedure is quite pricey. We have obtained the paperwork and stare at the information every day. Our greatest desire is to have children, but with the other financial worries, we are afraid that this will not be a possibility for us.

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