Last July, my husband got hurt at work and hasn't been working (full-time) since. He would work 20 something hours light work load... but that actually made his injury worse, so he was stopped a few month back in Sept-December, and now since April he's been completely stopped until he gets his operation.

He's been on the waiting list for his operation since the beginning of May but it can take anywhere from 3-6 months until he gets operated and then rehabilitation is another 2-4 months. That doesn't bother me what-so-ever because when he's not working (as in zero hours) we get disability for his car and mortgage. (we did for the few months at the end of 2011)

Well... since April, just a couple of weeks before I've been off for maternity leave for 1 year (on a pay cut) things have turned to the worst. We found out we owed money for our taxes (about 750$ worth) then we've been having issues with the car we purchase last year for our family car (Mazda CX-7) then there was a piece recall that Mazda Canada does not want to pay on Marc's car (they found some stupid reason) so that's another 3k. Then we got a letter from the bank today that they miscalculated last years disability amount and we owe them 4k. I think I want to cry.

I know money is just money, and I'm beyond blessed to have a healthy family, a roof over our head and food on the table, but when will we get a break! We've been trying to get rid of debt and all that's happening now if we're getting buried in it.

We will sell some stuff, and I'll try and do more contract work but still... both DH and I are depressed right now.