So, I came up with $50 to put towards my ticket that I have to pay by tomorrow. I also got my direct deposit from job #2. It was a little more than I was expecting so I applied some towards the ticket and I put $40 in my bank account. So I need $90 somehow by tomorrow to cover the ticket and I now need $491 to keep my account from going negative at the end of the month. I am a little frazzled. And I am so angry at myself for getting this ticket. I could almost clean up my account with the money that I am wasting on this ticket. But I can't go backwards. I just hope I can continue to make some progress.
As of this morning, after putting in $60 to my bank account, I still need $531. I did spend money on the pets this weekend, $58. But they were out of food and I had to buy some supplies for our other animals. So $20 of the $60 I am putting in is money I had set back, but obviously not enough to cover it. I am also still struggling to find this money for the ticket. If I get paid from my second job and I can float the $40 I will get on 03/23 then I will still need $140. I am listing some things on Letgo, hoping they will sell quickly. I am also going to try Decluttr. Has anyone tried that? I am also looking for somewhere to sell some books. I hate to get rid of them, but I may be able to make a few bucks on ones I'm not reading.
We were gifted pizza last night for dinner. So that was wonderful. And I was gifted gas last night so I should have enough to get me through the week. Very grateful for these gifts.
Its not huge, but I made $15 in tips yesterday (And $25.50 in wages). And I remembered that I had a rebate to send out on some razors I bought. So I should get a check for $5.99 in 4-6 weeks. Every little bit helps, right?
I went home after work yesterday and made dinner. I'm so glad to have leftovers for lunch today. I spent $1.18 of some cash I had to buy 2 bagels. One for breakfast today and one for tomorrow. I wanted a Starbucks coffee so bad today, but instead I am drinking free coffee at work. Not the same but the end effect will be.
I picked up an odd job for the next 2 Fridays. It will pay $50 each day. Maybe I could split it between my bank account and my ticket. Unfortunately since I have already accepted probation, I cannot do community service or a payment plan. Apparently I had to request that before they finalized my request. Its the biggest waste of money. I'm never speeding again. But maybe since I will get $50 on 03/23 I could use a portion towards the ticket...if I can float it 2 days? I also should get a paycheck from my second job. It doesn't pay a lot... $8.50 an hour and minimal tips, but I am using this to go towards the $500 payment. I come up with half and my DH comes up with half. So we share the burden.
The other thing I was going to share is that 2 of my bills are credit card payments that I agreed to as part of a plan to catch up. I was getting behind so I agreed to pay $106 to one credit card per month and $112 to another. This is my 3rd and final month and they will go back to the minimum. And I am so anxious for that bad loan to go away. That is $244 I will have back a month!!!!
All over the place and trying not to drown. That is how I feel. I thought that over the weekend I could come up with some brilliant plans and globs of money, but I didn't. We are not ready to cut our Satellite yet, but I did get it reduced by $20 and we are probably going to cut Netflix. We are in a contract with Dish, so I would have to pay $190 to terminate early. I saved another $20 on our phone bill. Not including the other 10% I can save by taking my employer's information in. But I still need $500 by the end of the month to keep my account from going negative. And I still need $250 by 03/21 to pay my ticket. (My sister gave me $40 to go towards my ticket.) I did sell some jam, so I have $15. I'm guessing it should just go towards my account.
I also did some meal planning and food inventory. I can do 10 dinners without buying anything additional. So that seems pretty good. And we will have leftovers for lunches.
Hoping things will start to get better.
Thank you all for the information and support yesterday. There was a lot of great information and I'm so glad to be here. Although I am still a little overwhelmed by the task ahead.
I am getting a 10% discount on our cell phones through my employer. So that will help a little. I am going to look into other plans too.
Our car insurance is actually $70 cheaper than it was. I just changed to a new company and it was the cheapest I could find for full coverage on 2 newer vehicles.
Still need to look into the Satellite.
I've seen some posts before about no spend days. I am hoping to have a no spend weekend and see if I can organize myself, do a food inventory, and enjoy doing nothing. I'm also hoping to find some things I can sell online or through craigslist. I have to basically come up with $800 asap. $500 to keep my account from going negative and $290 for my ticket that has to be paid by 03/21.
You can call me Rose. I am married with one DD. Financial problems are not something I am familiar with until recently. I stumbled upon this place. Looking at other's posts gave me some hope and some motivation to fix the disaster that is my finances.
Why I am here - Until a little less than 2 years ago, I was in a good place financially. The only debt I had was less than $500 on my student loan and our mortgage. Today is a different story. I lost my job after buying a new car. We own a business but I work full time for substantially less than I was making. The business has had a rough year and we have found ourselves with some tax debt. We have made some changes and can see some brighter times ahead. But we owe roughly $17K. I have 3 credit cards that are all maxed out. I am working 2 additional jobs right now just to try to help make ends meet, but its not happening. I feel like I am in debt to my eyeballs. My credit score has dropped 100 points and I hate it.
I am trying to regroup. I want to go to minimal spending and a cash budget. I want to get this derailed train back on track. I would love advice or tips on what to do. Please know that we are not ready to close the business and we would like to keep the car. I have started an ebates account, although I can't buy much online right now. And I started using ibotta. I am clipping coupons and looking for deals. But I know there has to be more.
Thank you for letting me be here. I hope this is the beginning of something new. And thank you in advance for any help.
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