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For the past year our family has been living on a greatly reduced income. I actually had quit my full time job almost a year ago to pursue my own bookkeeping business at home. Then a month later, we found out that Mr. B had multiple myeloma and we were on the roller coaster ride of our lives. A few months ago when Mr. B was going through a particularly bad time healthwise, I made the decision to do whatever I could to work at home. I felt like a weight had been lifted from my shoulders once I made that decision....until today.

About a month ago, we decided to make an early application to have our mortgage changed over to our new financial institution. Our current mortgage is held by a company that is closing down and will only honour our mortgage until it comes up for renewal which is in November 2013. So we thought it would be good to know if we would even qualify for our mortgage to be renewed now rather than in a year from now when Mr. B's health might be even worse.

Well, surprise, surprise....we did not qualify and now we will need to make some hard decisions in the next year. We basically only have two options, sell our condo and move into an apartment or I will need to find a full time job out of our home. It sends shivers up my spine to think about the pressures of working full time and trying to care for Mr. B at the same time. I've found the last year pretty hard emotionally and I know that trying to hold down a full time job would not be very good for me. I would be a basket case. :-(

I'm sure that many of you are working while caring for your spouses. I've admired those of you that can do it. I think I would rather sell our home and live in an apartment then go back to work. Yet I know how hard that would be for Mr. B so I have to weigh the options and decide what would be best for both of us.

It was a wake up call that I should have expected but still shocked me when I got the phone call today. I know that I have almost a year before the decision needs to be made but I don't want to be leaving it to the last minute. And as I'm learning, I will need to be the one that makes the decision. Mr. B gets very depressed when these types of decisions need to be made. He blames himself and nothing I say can change his mind. It's just easier if I do as much leg work myself first and then present the solution to him.