Momma Angel--
Questions: Did you make arrangements for your cat shelter knowing that you were behind on mortgage payments? If so, I think perhaps your compassion trumped your common sense. Did you discuss the cat shelter and the cost of the cat shelter with your husband before moving ahead? Or did you just go ahead without discussing the matter because you didn't want to fight about it?
Question: You've mentioned that your husband will not admit to making mistakes. Is it possible that instead of your husband telling the Bank Officer he'd be handing over $500 installments until the arrears were paid that the Bank Officer told your husband he'd be making $500 payments every other week--Or ELSE?
You wrote:
Quote:It's okay for me to give up anything and everything for the good of the marriage but he can't even stop blaming me because he sold one of his collector car's a year ago to help pay the bills.
You've indicated that you and your husband have a lot of trouble communicating. If your financial problems are chronic--and they seem to be--you've got to start talking about money matters and work out a spending plan together.
Meanwhile, Rita is on her way. If one of the outstanding bills is your Homeowner's Insurance, pay that immediately and take the payment right to the post office.
Who pays the bills, you or your husband? Does he know what your standard monthly expenses are? If household finance is your department, make out a list.
Keep in mind that the Bank Officer may not have given him a choice.
I'd plan on two weeks of very short rations for you and the cats. Make it clear to your husband that you don't hold him responsible for gas prices or the cost of insurance or the utility bills and the grocery budget is the only place that money can be pared.
Right now you have a back log of resentment about having been the self-sacrificing member of the family and I think this may be influencing your judgement.
Game Plan:
Survive Rita.
Survive two weeks of oatmeal and other cheap, nutritious meals.
Make out a list of household and charitable expenses.
Sit down and have a rational talk about finances. If necessary co-opt a objective party: your minister, the Bank Officer, a family member you both trust to referee.
Prepare another two weeks of oatmeal and other cheap, nutritious meals.
Even if your husband was the one to set terms with the bank, he's right that the bank is not going to take kindly to changing those terms before one $500 payment is made.
Good luck. Remember, Rita is just blowing through, but your financial instability has to be corrected.