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Archive for June, 2018

I'm still here

June 20th, 2018 at 01:20 pm

I've just been reading entries lately since I do not have much to update on. I'm still just surviving. Trying to find extra money where I can. My last Bad Loan payment is Friday. $244 will make its way back into my budget. Still waiting for September when I will be positive in my bank account and can work on debt repayment.

I am doing a frugal challenge for July. I feel like everyday is a frugal challenge, but I am still living beyond my means.

Just trying to be positive and see the light at the end of the tunnel.

Another dr visit

June 7th, 2018 at 07:09 am

I'm over the dr visits! Yesterday's visit was for me, for my back. It is still hurting since my accident 2 weeks ago. It wasn't covered under insurance since it was auto accident related. Frown I know I will be reimbursed by the other insurance company, but I don't know when. Got 2 prescriptions.

I am taking my car to be repaired tomorrow and have a long list of to dos for the weekend. I am going to try to get some rest too.

Budget Issues and Me

June 6th, 2018 at 06:57 am

So, it has been almost 3 months since I started here. My numbers haven't changed much. And although I am definitely in a rough place financially, I have realized that "I" am a major piece of the problem. Basically, I have 3 problems.
1) Myself and my unwillingness to make changes
2) My budget
3) Not enough money

1) I am struggling to accept that I need to make some changes. I cannot seem to completely get on board. My mindset has changed. I have the desire to change. But I am not doing the work or the follow-through.

2) My budget. The problem is that I don't have everything budgeted for, but I still buy those things because they are necessary or because I "choose" to. Gas, groceries, and dog food. Those are all necessities. And I just try to come up with money to pay for them. But sometimes I don't and that is why my numbers are not improving.

3) I just don't have enough money. I have to push to have extra coming in. That is the only way out of the hole.

My mind knows what to do. I am staring at the computer screen while I type this thinking "Yes! Get your sh*t together. You know what to do!" But I find myself stuck. What is the major malfunction here.

And I do have a side job that I am guaranteed $50/week. I use that towards the $500 Loan payment and it doesn't go into the bank account at all. But then I think I should work during the week somewhere else. But after a 10 hour day, I am just so tired. I don't know if I can do it. Combined with a household and family, its just a lot.

Anyway....these are today's thoughts.