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.
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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.
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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