We are in middle of bankruptcy, and was counting on our tax return to cover lawyer costs....and of course in true bad luck fashion the feds have taken our return and have not listed why but we can call tomorrow to find out. My stomach turned hard when dh told me the return was gone. .we are trying so dang hard to get to that starting point again with no debts and good budgeting. Getting there on budgeting, not a lot of extra money after bills to invest and save but I had the bankruptcy bill covered in my head. Dh was mad but more proactive about how to proceed, work more plus payday loans to cover bankruptcy bills.
I just wish I had something I could do on a weekly basis to make enough to cover the power bill or gas. I have done random crafts I make and sell online or at my moms work but with three kids I do not have the time. I will be a SAHM for at least another 10 years while homeschooling but I wish I could make money on a regular basis on the side, just for that cushion.