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Found some money and payday from 2nd job

March 20th, 2018 at 12:43 pm

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. Frown But I can't go backwards. I just hope I can continue to make some progress.

Still looking for progress

March 19th, 2018 at 07:08 am

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. Smile

Little bits of money

March 14th, 2018 at 05:27 am

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?

Its Tuesday

March 13th, 2018 at 07:05 am

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. Smile

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. Frown 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!!!!

Feel like a cat in a bathtub

March 12th, 2018 at 12:44 pm

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.

Still a little overwhelmed

March 8th, 2018 at 10:40 am

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.

Who I am and why I'm here

March 7th, 2018 at 08:09 am

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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