Financial troubles that leads to everyday stress

by Cathy
(Jacksonville, Fl.)

I am medically disabled with fibromyalgia and chronic fatigue syndrome. When I feel particularly stressed out, my symptoms of IBS flare up, leaving me home-bound. My main causes of stress are finances. Being I am on Social Security, my income is very fixed and as you can imagine, just barely, and I mean barely, able to pay the bills. Hardly any left over at the end of the month.

About 3 years ago I received an inheritance from a relative. It was a fairly large chunk of money, but since I have always been able to handle finances very well, and not spend money foolishly, I thought it would be nice to enjoy two sports cars before our golden years set in. (both my husband and I have always loved sports cars). My husband's income is on the "average" side, and he also does not 'blow' any money either on himself or other things.

With this money I have been able to purchase a total of 6 cars outright (for my son as well), paid insurance on all vehicles on a twice a year basis, manage any huge unexpected bills, paid our yearly property insurance, our yearly homeowners insurance, car repairs, went on vacation three times, etc., etc. We own a small piece of property and live in a 1300 sq. ft. mobile home, which is fine for us.

I am afraid this money will be running out within the next 6 months to a year, and we both feel we have worked long and hard enough to deserve what we truly enjoy.

Do you think we will have to sell our two sportscars??

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Thank you for your question
by: Jill R.


While I am not a financial professional, I do know that financial problems/issues can be a major factor in dealing with stress.

One suggestion (if you haven't already done this) is to make sure whatever remaining funds you have are in some type of interest bearing account. Make sure you're earning money on your money.

As far as your cars go, I know it can be difficult to let go of something that you have become attached too... but if you need to sell them to stay financially secure, I would seriously consider it. You may also want to make an appointment with a financial advisor or someone who can help you manage your remaining funds as well as whatever you earn from the sale of your cars if you choose to sell them. Maybe you'll only have to sell one of them?

Cars are fun... but your health & sanity are way more important. Especially with a chronic medical condition, it's important to manage your stress well and find time to relax.

And I know it's not the same, but if you do have to sell one or both of the cars, consider making a scrapbook before you get rid of them. Include pictures and stories of fun times you had. This might help with the pain of letting them go :)

Good Luck... and be sure to keep us updated!

Jill R.

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