but I am getting better about getting cash into envelopes the day I take it out. It certainly makes life easier the rest of the month. (We get paid monthly.)
Dh decided that we should take a raise as of July 1. We have not taken a raise in a long time. A good bit of it is going to paying extra on the principle of the mortgage. I want to call the bank this week and find out our payoff if we continue paying at this new rate. A few months back we were told our pay off would be in about 7 years (on our 15 year fixed). I am hoping the additional extra brings that down to half that time. Crossing my fingers.
Our raise has made it a little easier to budget for a couple other things like a regular deposit to savings, some entertainment money, and a little extra towards eating out. So it is mostly going on bills/savings, but we are putting a little toward some fun. I believe DR would say we need to have a little fun with it since the mortgage is our only debt.
In the past if we wanted to go to a movie, we had to plan on it for a couple of months because we didn’t have extra funds to go toward that. Movies here are $10+ each for a regular feature. Matinees during the week before 4 PM are $5, I think. It is hard for dh to get away for a movie that early. Matinees on the weekend are about $7, I believe. We rarely go to movies because there is so much junk out there. However we have gone more this year than previous years due to seeing God’s Not Dead, Heaven is Real, and Draft Day. Dd and I went to see Draft Day. It was a good story line be the language was totally uncalled for, especially in a PG-13. Last 10 minutes of the show they had to bring on the F-bomb. Really? They think that adds to the story? When I go to the movies I just LOVE having popcorn and a soft drink. I know, I know, concessions are the profit center of every theater. Usually I skip eating the meal before so I can enjoy the popcorn and Dr. Pepper. We go so little to the theater that I see it as a real treat.
Now we are putting aside each month for the category “entertainment”. It will go toward the occasional movie we want to see or anything we want to do that is not dining out such as baseball games, etc. It is only $35/month for this category so some months we will just have to save it to use later for something that costs more than that.
that my DH was unemployed – he finally got a job first of June – selling cars (yikes!); so he spent the month of June learning the ropes and was just this week “released” to sell cars on his own. I am happy for him to finally have a job (he was unemployed for 19 months) but I’m nervous about the ebb and flow of sales. I told him to give it six months to see if he feels like he can make a go of it – we’ll reassess at that point.
The change in routine has been interesting though – I am much more structured with the little ones (4.5 and 2.5 years) than he was and to be honest they fuss but then let it go. Kids need boundaries and I am OK with making that happen but it’s tiring… on the days spouse works 12+ hours we pass in the night.
As for me, I am a defense contractor in the WDC area so my job is basically OK – I’ve been told I’m funded through next year at this point — unless I do something really stupid. ; )
Deposited the first DH paycheck – which paid for childcare for two weeks – hoping things pick up for him and that this actually pans out. Wish us luck!
what help they could give me that you guys haven’t already given me since i’m working with most of my creditors to pay them off. And in January i’ll start saving more and paying all of them. I have less then 4000 in debt, don’t really see the point in it myself.
It was overdrawn because I forgot about wasn’t cancelled before the free trial ended and I went ahead and paid Newport News online but didn’t think to call them so they took the 60 out of my checking account. Plus what I forgot to cancel was taken out twice. Need to call them to see why. That’s 21.95 plus the extra 30 I paid Newport News so that’s 51.95. learned my lesson. Good news is that i’ll have Newport News caught up a month sooner.
I’m gonna cut down the 25 that will start going into my savings next month down to ten a month til I get out of the loans, thanks for suggesting that. Also need to tell the bank my debit card is coming apart because I prefer to use it instead of writing checks except to pay a couple bills. I get a cashier’s check free to pay the rent and pay cash for the lights and phones.
The small loan (122.22) will be paid in october soon as I get paid and then i’ll only have the two to pay off. I still plan on paying off one a month, it’ll just take me a month longer so no christmas presents unless they’re really cheap or homemade and no cable ’til january but it could always be worse I guess, huh? I should be caught up on my three cards by then and can work on the fourth.
Since if you are going to declare bankruptcy, retirement accounts are exempt. I was walking to and from school starting when I entered until I graduated high school and then I lived at home and walked 2 miles to the community college for 2 years after that. The walking didn’t bother me. The leaving a 9 year old and a 5 year old child at home alone for 2 to 3 hours every afternoon bothers me. I don’t think it is wise or safe.
So I can’t help you with that unfortunately. I do think it’s important to identify exactly WHY your account was overdrawn. What triggered the overage…a purchase you made, miscalculation, etc? Identifying it is important so you can take steps to prevent it from happening again.
I wouldn’t put anything more to savings until you get these payday loans paid off. How much is this new loan for and what are your plans to pay it off?
Sorry you haven’t been feeling well!
I will we are going with my brother and his wife (who got us started in it) and then we are taking two other couples we have gotten on the program, the first couple would be ok if there house wasn’t taking up 65% of their income and the second couple really still has no idea how this all works. Should be an interesting evening!
They took the information and recommended bankruptcy. Then we found this blog.
This was a state credit councelor. So they were very nice and safe, some of them aren’t safe. These people took a look at what we were dealing and said that we already had our credit cards in hardship and they couldn’t help much with that. They were willing to wave the fees because it was so bad.
They wouldn’t take our irregular income only the weekly paycheck was included. Then I got a part time job and things are better a year down the line.
working with me on a hardship program and Capital One suggested I see a credit counselor. Can someone tell me what they do? Is it free or does it cost? At this point, i’m broke so I couldn’t pay for anything extra and to me credit counseling is extra.
I only have about 4000 in bills anyways so if it costs me anything to do it it’s proably not worth it, is it? She did say it wasn’t debt consolidation which I refuse to do with this amount of bills and because it doesn’t help in the end anyways. Right?
I’m paying my monthly bills (rent, utilities), three of the four cards and two other bills every month. Cable company doesn’t appreciate my 5 a month but I told the lady already that I couldn’t do more right now. I’ve still got the 10 in savings and the 25 going monthly beginning next month. I’ve got about 23 right now in the bank. Problem is, I had to get another loan (please don’t say anything) to pay the bank because somehow I got overdrawn (not on purpose). This puts me a month behind on getting out of them but I had to pay the bank in order to pay Capital One online.
I’m sick again but since I met my deductible on my script plan the meds won’t cost me a dime. (thank God) I didn’t want to get the damn laon but didn’t see any other way because i’m still having too many seizures to do the yardsale. Mom is still too sick as well. If they don’t take my medicaid away from me i’ll be ok ’til January when I should be able to make it. I missed my foodstamp appt. because mom had a dr. appt and I had to stay at her house when they put in the new hot water heater. Finally!! Gotta wait allday tomorrow to be worked in.
Mom gave me five bucks last night to get her some cottage cheese at walmart and I paid for it with my foodstamp so I got cash to buy sugar and manwich. It’s cooled off here so no more AC. They’ll proably lower my foodstamps.
Why? Because it says “Do not print or forward, so it MUST be true… This one is particularly entertaining. Not even for the amount of the supposed transfer, but because of all the emotional ‘buttons’ that get pushed. Gambling, racketeering, recklessness, terrorists, prosecution for illegal activities…. One-stop shopping for a guilt trip… It’s amazing that this crap CONTINUES to go around
then again when she called to say BCBS said I was right. The first time when I wiped the smile off her face after she talked down to me and told me I didn’t know how to read a bill. Then when I showed her what bcbs said we owed. I was nice I didn’t do a victory dance, at least not where she could see me, nor did I return the favor of talking down to her. Dh said he was proud of the way I handled it. This is the first time in a long time he has actually seen me in action, he generally just sees the results