Even with being anxious over every last little thing, I know there are some things that it is perfectly okay to feel anxious about.
Buying your first home is one of them.
Long story short, we are paying $845 a month in rent for a 2 bed, 1 bath, 890sq ft apartment. Due to the housing bubble crash or whatever you want to call it, houses that would have been $300k and more a few years ago can be had for $80-100k. With taxes and insurance factored in, we'd be looking at saving at least $150 a month on rent alone and another $50 a month on not needing to store our other car. And that's at the $100k end of things. We also currently have enough to put down 10% on a house in that price range.
But of course there is the issue of dealing with it all. Income is an issue. A big one. The majority of our income comes in two lump sums in February and September. It is student income, about $15k between the loving hubby and I each year. Last year and the year before we made about $15k working, so have been living off of about $30k a year. But our tax return shows only the $15k.
I know we should be able to qualify for an FHA loan which isn't as stringent as a conventional loan, but the income part still worries me. I can prove we've gotten the income in the past and I can prove that at least for the next year we will continue to receive that income. What is difficult is that I only work during the semesters and well, this last semester and coming semester don't look the hottest as far as income is concerned. We'll be lucky if we get $7500 this year in earned income. If we get a house though, we'll get about $8000 back from the government for being first time home buyers come the beginning of next year, which also helps with the cash flow.
And we can't afford to keep paying rent at this amount and there aren't places any cheaper to rent either. We have to be putting out less per month to make it. We've already cut out satellite television and all the features on our home phone (call waiting, caller id, etc). We went on a cell plan with my mom and brothers to save money too and we only pay $30 a month for that. We got rid of one of our cars that we weren't driving which just saved us a bunch on insurance. We've been living off of just under $1400 a month so far this year, and with (at least up until this coming month) paying $800 a month in rent and $260 in a car payment, I think I can run a pretty tight ship for a three-person household.
Lets just hope the loan guy sees it that way. Though we know the rate will be slightly higher, we are first going to talk to the loan guy at our bank. We know everyone in the branch by first name and they know us. They can also easily see our cash flow and that we have the huge deposits twice a year. I am hoping/praying that it will help. Along with being able to show that despite our rent being nearly 60% of our income we have been able to make it and that lowering that housing payment is just going to make it even easier.
I told loving hubby I would go with him to the bank in the morning to talk about it. But I am now just freaking out and trying not to fall into a full-blown panic attack. As I started this post out, I know it is normal to feel anxious about something like this. It is a huge step. I just hope I don't have a melt-down midway through.
(BTW, loving hubby has been looking for a job since January with no luck. Sweetheart has been looking even longer. Our county currently has nearly a 20% unemployment rate.)
Sunday, June 21, 2009
Saturday, June 20, 2009
Its been a while...
And things haven't been going the greatest.
Ups and downs. A lot of them. (just to note there were breaks between each of these, I didnt go right from one to the other.)
A catch up here of sorts. 50mg of Zoloft was more than I could tolerate during the day but helped me sleep. 25mgs didn't do anything. 37.5mg helped me get to sleep, but I ended up waking up but my brain would not kick out of REM... which meant vivid, realistic audible hallucinations. No more Zoloft.
Tried Celexa. Helped me sleep. A little too well. Also made my chest tight. Took Benadryl and felt awake and other than anxious, well. Basically had a slow allergic reaction to it. No more Celexa.
Tried Prozac. Three days of migraines later, no more Prozac.
Tried Paxil. Minor headaches and feeling like I was disconnected from my body, like I was experiencing everything in third person. No more Prozac.
Tried something I can't even remember the name of. Long story short it was supposed to just help me get some damn sleep but ended up speeding me up instead. No more of than one.
Tried Buspar. Still on it. Mixed results. Having a hard time getting to sleep but when I do get to sleep I actually get some restful sleep, even if it is in short spurts. So I feel far more rested than I have in quite a while even though I am only truly getting 2-3 hours of sleep a night. On the negative side, I can only take a half dose during the day because it makes me dizzy for a few hours after taking it (not an issue when I am in bed, so I've been taking a full dose at night). Seems to help some with the panic attacks, thought not with the anxiety overall. I haven't had any un-triggered panic attacks since getting up to this dosage, so they are fewer, but still having them over things that I know are issues. ABSOLUTELY vital I don't forget a dose. EVERYTHING will set me off into a panic if I miss a dose. Can't have caffeine of any sort. I had half a Dr. Pepper a week after I started taking it. For the next two hours I felt like I was running on a treadmill. Pulse about 120, sweating like all hell and crunching ice to keep from feeling overheated. No anxiety with it, just felt monstrously sped. Also can't get through a night without getting up at least once to get a small snack as it seems to be messing with my blood sugar. I can't go more than 4 hours-ish without food.
Despite everything though, I feel a little more in control of myself than I have in a long time. Part of me is happy to be able to not randomly get panicked over nothing I can identify. Part of me is upset that what has worked best so far still leaves me far from 'functional'.
I know I need to bring up the possibility of disability with my doctor. I know he'd be supportive of it at this point. But the thought of bringing it up gives me anxiety in and of itself. And the thought of dealing with the whole process terrifies me. I'll only have (if I am lucky), 2 units to teach in the fall, down from 4 this past spring, 8 last fall and 12 the spring before that. I've told family that it is due to budget cuts, but had I been able to complete other things I would have had a full schedule of units. This isn't a 'might have', this is a 'I've been told specifically I would have and that future units are conditional on completing those other things'.
I really don't know what to do. It feels like everything in my life has come to a grinding halt and it doesn't matter how hard I try to do things, I can't seem to get them done.
Ups and downs. A lot of them. (just to note there were breaks between each of these, I didnt go right from one to the other.)
A catch up here of sorts. 50mg of Zoloft was more than I could tolerate during the day but helped me sleep. 25mgs didn't do anything. 37.5mg helped me get to sleep, but I ended up waking up but my brain would not kick out of REM... which meant vivid, realistic audible hallucinations. No more Zoloft.
Tried Celexa. Helped me sleep. A little too well. Also made my chest tight. Took Benadryl and felt awake and other than anxious, well. Basically had a slow allergic reaction to it. No more Celexa.
Tried Prozac. Three days of migraines later, no more Prozac.
Tried Paxil. Minor headaches and feeling like I was disconnected from my body, like I was experiencing everything in third person. No more Prozac.
Tried something I can't even remember the name of. Long story short it was supposed to just help me get some damn sleep but ended up speeding me up instead. No more of than one.
Tried Buspar. Still on it. Mixed results. Having a hard time getting to sleep but when I do get to sleep I actually get some restful sleep, even if it is in short spurts. So I feel far more rested than I have in quite a while even though I am only truly getting 2-3 hours of sleep a night. On the negative side, I can only take a half dose during the day because it makes me dizzy for a few hours after taking it (not an issue when I am in bed, so I've been taking a full dose at night). Seems to help some with the panic attacks, thought not with the anxiety overall. I haven't had any un-triggered panic attacks since getting up to this dosage, so they are fewer, but still having them over things that I know are issues. ABSOLUTELY vital I don't forget a dose. EVERYTHING will set me off into a panic if I miss a dose. Can't have caffeine of any sort. I had half a Dr. Pepper a week after I started taking it. For the next two hours I felt like I was running on a treadmill. Pulse about 120, sweating like all hell and crunching ice to keep from feeling overheated. No anxiety with it, just felt monstrously sped. Also can't get through a night without getting up at least once to get a small snack as it seems to be messing with my blood sugar. I can't go more than 4 hours-ish without food.
Despite everything though, I feel a little more in control of myself than I have in a long time. Part of me is happy to be able to not randomly get panicked over nothing I can identify. Part of me is upset that what has worked best so far still leaves me far from 'functional'.
I know I need to bring up the possibility of disability with my doctor. I know he'd be supportive of it at this point. But the thought of bringing it up gives me anxiety in and of itself. And the thought of dealing with the whole process terrifies me. I'll only have (if I am lucky), 2 units to teach in the fall, down from 4 this past spring, 8 last fall and 12 the spring before that. I've told family that it is due to budget cuts, but had I been able to complete other things I would have had a full schedule of units. This isn't a 'might have', this is a 'I've been told specifically I would have and that future units are conditional on completing those other things'.
I really don't know what to do. It feels like everything in my life has come to a grinding halt and it doesn't matter how hard I try to do things, I can't seem to get them done.
Thursday, March 19, 2009
More appointments and stuff
I have another doctors appointment this afternoon that I have to leave to in about 20 minutes so I'll have to squeeze this post in.
Staring at the ceiling in bed about a week ago I started to think about the holidays... specifically the time between Thanksgiving and Christmas. I started with Thanksgiving, thinking about we had gone to my Grandmother's house and the food. But then I realized what I was remembering was Thanksgiving the year before. As much as I tried, I couldn't remember an actual memory from this Thanksgiving. I mean, I knew what went on that day because I know what was supposed to go on that day. But actual memories, no.
I thought about it some more and realized, other than a few blips here and there, I know what went on because of what was supposed to go on, but I really don't remember anything between Thanksgiving and just before Christmas for this past season. I know it was the height of my stress (and ended in culmination with 40 hours of no sleep, a near psychotic break, a trip to the psychologist last minute before the office closed for the holidays and a subsequent visit to the doctor who prescribed sleeping pills for the time being). It was one, long, continuous anxiety attack. I can't imagine what would have happened if what triggered the 'finale' of insomnia, if one would call it that, hadn't happened. Would I have continued loosing time?
Anyway, I am up to 50mg of the Zoloft stuff a day. I dunno. Its not really having any affect on my anxiety and I don't notice any differences in sleep between the 25 and 50mg dosages. I'm sure he'll put me up to 75mg or even 100mg today. My muscles feel tight and tingly which I don't know to attribute to the Zoloft or just to my history of muscle spasms. My appetite has taken a nose dive and I've lost 6 lbs since being on it. I'm more aware of my heart racing when before I knew it was but I was more preoccupied with what was happening in my head... now I realize both.
I woke up about 6am the day after going up to the 50mg in a major attack. I felt terrified for no reason and I felt like I wanted to scream. I didn't. I laid in bed for an hour feeling awful. I knew if I screamed it wouldn't help and would just end up freaking my Loving Hubby and Sweetheart out. About 7am I knew my heart racing so long coupled with I hadn't eaten since 6pm the evening before that my blood sugar was low. It took me another 30 minutes to muster enough mental strength to move through the panic and get up to get something to eat.
At least once a day since mid-November I've had anxiety severe enough to call it a panic attack, though of varying degrees. I want to file for disability... but I can't muster enough non-anxiety to even broach it with my doctor.
Staring at the ceiling in bed about a week ago I started to think about the holidays... specifically the time between Thanksgiving and Christmas. I started with Thanksgiving, thinking about we had gone to my Grandmother's house and the food. But then I realized what I was remembering was Thanksgiving the year before. As much as I tried, I couldn't remember an actual memory from this Thanksgiving. I mean, I knew what went on that day because I know what was supposed to go on that day. But actual memories, no.
I thought about it some more and realized, other than a few blips here and there, I know what went on because of what was supposed to go on, but I really don't remember anything between Thanksgiving and just before Christmas for this past season. I know it was the height of my stress (and ended in culmination with 40 hours of no sleep, a near psychotic break, a trip to the psychologist last minute before the office closed for the holidays and a subsequent visit to the doctor who prescribed sleeping pills for the time being). It was one, long, continuous anxiety attack. I can't imagine what would have happened if what triggered the 'finale' of insomnia, if one would call it that, hadn't happened. Would I have continued loosing time?
Anyway, I am up to 50mg of the Zoloft stuff a day. I dunno. Its not really having any affect on my anxiety and I don't notice any differences in sleep between the 25 and 50mg dosages. I'm sure he'll put me up to 75mg or even 100mg today. My muscles feel tight and tingly which I don't know to attribute to the Zoloft or just to my history of muscle spasms. My appetite has taken a nose dive and I've lost 6 lbs since being on it. I'm more aware of my heart racing when before I knew it was but I was more preoccupied with what was happening in my head... now I realize both.
I woke up about 6am the day after going up to the 50mg in a major attack. I felt terrified for no reason and I felt like I wanted to scream. I didn't. I laid in bed for an hour feeling awful. I knew if I screamed it wouldn't help and would just end up freaking my Loving Hubby and Sweetheart out. About 7am I knew my heart racing so long coupled with I hadn't eaten since 6pm the evening before that my blood sugar was low. It took me another 30 minutes to muster enough mental strength to move through the panic and get up to get something to eat.
At least once a day since mid-November I've had anxiety severe enough to call it a panic attack, though of varying degrees. I want to file for disability... but I can't muster enough non-anxiety to even broach it with my doctor.
Thursday, March 5, 2009
Medication
As I was starting to go quite insane from the lack of sleep, went to the doctor a week ago Tuesday to discuss the lack of sleep/anxiety. He wanted me to try zoloft but worried that I might have a reaction to it since I've had issues with other medications of similar types, wanted to start me on an uber-small dosage.
So he started me on 1/2 a 25mg tablet a few hours before bed for a week. I didn't notice any difference but we really didn't expect much as a normal adult dosage is 50-100mg. Just looking for any side effects.
Didn't have any really (or at least that I connected to it). Kinda lost my appetite but after weeks of so little sleep, I really wasn't surprised by that.
Went up to 25mg this Tuesday after seeing the doc again. I actually got about 4 hours of sleep both Tuesday and Wednesday night AND actually hit rem sleep. I feel better in that sense but now its no longer just lack of appetite (in which I'd still eat just wasn't hungry), but food just sounds bad now. Just came back from dinner with my mom and brothers (it is my youngest brother's birthday), Loving hubby and Sweetheart. I ate maybe a 1/3 of what was on my plate and got the rest to go. And its a meal I normally would have been able to finish just fine. Now we are expected to go over to my aunt's house for cake/ice cream which I am sure I'm going to be expected to have some. Sounds disgusting right now.
I also have this weird headache which I had lightly on Sun/Mon but now is irritating to say the least. Its in the back of my head and radiates down into my neck and back of my jaw. Like the muscles are super tight and irritated. I'm supposed to call the doctor tomorrow and discuss the dosage and possibly going up to 37.5mg for the weekend to try for more sleep, but I think I'm going to stay at 25mg for a while. Lots of stuff I've read said most of the more annoying side effects go away after 2 weeks but being I was on such a low dose I want to give it a little more time.
As far as helping with the anxiety? Mentally... eh. At this point I think just getting the little bit more sleep I've gotten the last two nights has made somewhat of a difference. I feel kinda locked into a '2' on my scale; no real ups or downs which I suppose is good. But it doesn't necessarily feel right either. More like a fog slowing my anxiety down versus actually stopping it. Hard to explain. I don't like how my anxiety ups/downs make me feel, but I am not entirely sure I like how this feels.
---------------
PS. Because after telling some people about being on Zoloft and the 'oh! it isn't making you feel suicidal is it?' I felt I needed to post this disclaimer. No, I am not feeling suicidal nor have I ever. Damn stereotypes.
So he started me on 1/2 a 25mg tablet a few hours before bed for a week. I didn't notice any difference but we really didn't expect much as a normal adult dosage is 50-100mg. Just looking for any side effects.
Didn't have any really (or at least that I connected to it). Kinda lost my appetite but after weeks of so little sleep, I really wasn't surprised by that.
Went up to 25mg this Tuesday after seeing the doc again. I actually got about 4 hours of sleep both Tuesday and Wednesday night AND actually hit rem sleep. I feel better in that sense but now its no longer just lack of appetite (in which I'd still eat just wasn't hungry), but food just sounds bad now. Just came back from dinner with my mom and brothers (it is my youngest brother's birthday), Loving hubby and Sweetheart. I ate maybe a 1/3 of what was on my plate and got the rest to go. And its a meal I normally would have been able to finish just fine. Now we are expected to go over to my aunt's house for cake/ice cream which I am sure I'm going to be expected to have some. Sounds disgusting right now.
I also have this weird headache which I had lightly on Sun/Mon but now is irritating to say the least. Its in the back of my head and radiates down into my neck and back of my jaw. Like the muscles are super tight and irritated. I'm supposed to call the doctor tomorrow and discuss the dosage and possibly going up to 37.5mg for the weekend to try for more sleep, but I think I'm going to stay at 25mg for a while. Lots of stuff I've read said most of the more annoying side effects go away after 2 weeks but being I was on such a low dose I want to give it a little more time.
As far as helping with the anxiety? Mentally... eh. At this point I think just getting the little bit more sleep I've gotten the last two nights has made somewhat of a difference. I feel kinda locked into a '2' on my scale; no real ups or downs which I suppose is good. But it doesn't necessarily feel right either. More like a fog slowing my anxiety down versus actually stopping it. Hard to explain. I don't like how my anxiety ups/downs make me feel, but I am not entirely sure I like how this feels.
---------------
PS. Because after telling some people about being on Zoloft and the 'oh! it isn't making you feel suicidal is it?' I felt I needed to post this disclaimer. No, I am not feeling suicidal nor have I ever. Damn stereotypes.
Monday, March 2, 2009
Insomnia
Right now I get the feeling that if I could actually sleep for more than 10-15 minute blips in a four hour period I could actually function today.
The insomnia is just not relenting this time. I laid in bed awake most of the night... totalled about an hour of sleep. I even reset the alarm for later to try and get some more sleep.
Looking at me after I finally decided to forget laying in bed and trying to get something done, Loving Hubby said "I can feel your brain short circuit from here." Somehow his attempts at humor this morning did not amuse me... I give him credit for trying, but I've gotten all of 35 hours of sleep in the last two weeks... or averaging 2.5 hours of sleep a night.
I have another doctors appointment tomorrow. If I don't go insane before then...
The insomnia is just not relenting this time. I laid in bed awake most of the night... totalled about an hour of sleep. I even reset the alarm for later to try and get some more sleep.
Looking at me after I finally decided to forget laying in bed and trying to get something done, Loving Hubby said "I can feel your brain short circuit from here." Somehow his attempts at humor this morning did not amuse me... I give him credit for trying, but I've gotten all of 35 hours of sleep in the last two weeks... or averaging 2.5 hours of sleep a night.
I have another doctors appointment tomorrow. If I don't go insane before then...
Thursday, February 26, 2009
damn it
I've been sitting here a while wanting to write a post. There are several things I want to get out but honestly, everytime I think about typing them it is like my mind says "fuck you, go to hell".
Today is one of those days that anxiety isn't so much about panic, but my mind acting like a stubborn 2-year-old and just outright refusing to anything of substance.
Today is one of those days that anxiety isn't so much about panic, but my mind acting like a stubborn 2-year-old and just outright refusing to anything of substance.
Monday, February 23, 2009
*cringe*
It is raining out. And I have to work today. It should be an easy day for me at least, since it is just sitting and watching more presentations and I know I will be fine if I can just get myself out of the damn apartment... and not float off into my own little world.
The extremes of the anxiety the last few weeks left me rather shut down yesterday afternoon and evening. I took a nap from about 4 to 630pm after coming home from the pet store, even though I didn't get out of bed until after noon yesterday. Then I went to bed at 11pm and didn't get up until about 40 minutes ago. Not that I even really napped or slept at all...
No, I was fucking day dreaming. I didn't really do anything yesterday. Other than the rain which I just plainly don't like more than it gives me anxiety, I felt generally fine. But my mind still kept wandering and before I realized it my mind was off in its own little fantasy land for pretty much the rest of the day and night. I know I was just coming down from all the stress of the anxiety, but keeping my mind off these daydreams once they start going is nearly as maddening.
I want to feel as relaxed as I am in the daydreams in reality.... which is kinda odd considering I am still a nervous person in the daydreams, I just either handle it better or everyone else does.
The extremes of the anxiety the last few weeks left me rather shut down yesterday afternoon and evening. I took a nap from about 4 to 630pm after coming home from the pet store, even though I didn't get out of bed until after noon yesterday. Then I went to bed at 11pm and didn't get up until about 40 minutes ago. Not that I even really napped or slept at all...
No, I was fucking day dreaming. I didn't really do anything yesterday. Other than the rain which I just plainly don't like more than it gives me anxiety, I felt generally fine. But my mind still kept wandering and before I realized it my mind was off in its own little fantasy land for pretty much the rest of the day and night. I know I was just coming down from all the stress of the anxiety, but keeping my mind off these daydreams once they start going is nearly as maddening.
I want to feel as relaxed as I am in the daydreams in reality.... which is kinda odd considering I am still a nervous person in the daydreams, I just either handle it better or everyone else does.
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