Archive for the 'Finances' Category

Someone to lean on.

As I said last week, I had an appointment with a psychologist. It was on Friday so I had to leave work. Yay….time away from work.

The lady was older and pleasant….she wasn’t intimidating and she didn’t have any signs of judgement coming off of her. In case you don’t know, I don’t like doctors and I avoid them at all cost. I even told her this and she asked why I don’t like doctor’s and I told her it’s because if you go then that means there is something wrong with you. She smiled and nodded like duh and then I continued, “and I don’t want anything to be wrong with me.” I grew up feeling like I had these high expectations to meet, like things had to be done perfectly, but I was never shown what “perfect” was. This came from my father. And he grew up the same way. His father is a very strict Southern Baptist and follows OLD beliefs (i.e. women don’t wear pants).

Anyways. I told her I think that a lot of this is the source of my anxiety. I told her I’m a mess and she asked me to elaborate so I did. My anxiety is through the roof right now because everything around me is falling apart. Financially, we are crippled. There is such a strain on our relationship that my husband told me two weeks ago that he has been thinking about leaving me, even at the cost of losing Aidan. He said it’s that bad and I know he was serious. I have been treating him like shit because I maintain a professional attitude at work so it all comes out at home. I’ve done really well at not bringing my work home with me; I hardly ever talk about work at home. But the stress from work lately has rolled over into my personal life. Our staff turnover this year was 48% of just front line staff (me and my partners) left this year…and that’s not including the 3 or 4 leaving in the next month. Policies have changed. We have kids there who shouldn’t be that are very difficult to deal with and staff who are still here are all new. They’ve all been there less than 6 months. And the solution to the problem right now is to just basically deal with it.

I like being able to foresee how things are going….having plans. I’m not a good spur of the moment, deal with huge change kind of person. I don’t like change.

But I have to make change, now. My therapist suggested I cut back my hours and start taking some medicine. I can’t cut back my hours and I don’t have the $30 copay to see my doctor. She asked that I figure out a way because she thinks it’s very important for me to see him.

Last time I saw him he told me he thinks I may have sleep apnea. If you don’t know what that is, it’s where you stop breathing during sleep. And you can die from it. And treatment is life-long. So of course, with this assertion, I opposed. I didn’t go get a sleep test done like he wanted. I didn’t want anything to be wrong with me.

So I’ve decided to finally follow through with it because she said that the lack of oxygen to my brain is causing me to not feel rested and to be irritable. And I’m going to give the meds a try.

I cried nearly the entire time of my session, but it was good. I’m seeing her again January 2nd.

As far as the finances go, we are just going to pay for what we can and what we really want to keep. I predict over the next 2 months, we will lose our house and Mike’s car.

But we are not going to sweat it. We’ll move our stuff into storage and find an apartment to rent. If that happens, then we may be able to pay on more bills and get some paid off. Once we start getting bills paid off, our credit should start improving. It’s also possible that child support may go down. We filed for another modification last week, so keep your fingers crossed for us.

We are trying to look at the positives in all of this. We can get the monkey off our backs and possibly move even sooner. We would have to start small, but you never know when things will start to really look up again. We are both dying to move right now and just start over.

Right now I’m just working on my mental health and improving my attitude so that we can get back to the love.

I owe, I owe. So it’s off to work I go.

I still owe $1131 and some change to Aidan’s medical bill. Collections is down my back about it, but there is nothing else I can do unless I win the lottery. But you have to play the lottery to win it. And you have to have money to play it, so I’m just SOL in that area.

Mike’s grandfather’s house should have sold by now; there was a contract in progress a few weeks ago, so we are waiting to get money from that. Once we do, our plan is to sit on that until tax returns, then we are going to pay off my loan to pay off Toyota (which is around $4500). Once that is paid off, that will be an additional $180 a month that we will have that can go towards the medical bill.

By summertime, I can pay it off with my bonus from work.

I can’t wait until then. Once all of this is done, my credit will no longer be battered. I’ll be able to work on repairing it. I am so devastated about my score drop. I still haven’t checked to see what it currently is. I was told it would probably drop somewhere to the mid-low 500s. It was about 764. :(

It is then that my life will (hopefully) be in order.

We only have 3 years left to pay child support this December. That’s $562 a month.

I’m just ready for a little bit of smooth sailing. I hope that my new web design business can help us out, too. I have yet to launch my site since I’m still designing it and making mock sites as well as Stella’s site. (hers is actually done, though)

I’m feeling kind of lucky today. Maybe I should scrape up some change and go buy a lottery ticket!

Protected: NOT at a loss for words.

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So here it is ladies and gents.

Let’s talk about how sucky my financial situation is. I’m not seeking sympathy. I got myself here and I’ll figure a way out.

Currently our outgoing amount for bills alone is $2795.21 (roughly) a month. With what I make, my husband needs to bring home NO LESS THAN $422 a week to help pay bills and gas. That’s not happening. With the hours he can put in, he’s only bringing home about $360.

Now if Child Support goes down, we can hope for a big reduction and he would have to bring home around $325.80 a week.

With all of these figures, this is us spending about $50 a week on groceries and $75 a week on gas. Do you know how hard it is to budget groceries on that amount for a family of 3??

Well, it’s hard. I have to know ahead of time what I need to buy specifically and how much it’s going to cost us.

I’m going to have DHS send us an application for food stamps in hopes of receiving aid from them.

I’m still hoping for that nice scratch off lottery ticket.

Inspired by a comment

I was inspired by Katrina’s comment on my other blog, Adventures In Motherhood.

So, I wanted to blog about finances and such. Money. Yay.

We love having it. We love spending it. We love it. Period (And apparently other countries are enjoying our money as well.)

I read a wonderful book – actually, I never finished it – called The Automatic Millionaire Homenowner by David Bach.

I’ve gotten most of the way through it. It will help you learn how to make money on “flipping”; not really flipping, but long term flipping. He also talks about what he calls “The Latte Factor.”

This is when we start to look at our unnecessary spending, and extravagant lifestyles. Why spend $7.50 on a coffee at Starbucks when you could make your own at home and take it with you…or buy the Pilot $1 coffee. If you spend $7.50 everyday before work, then that37.50 a week just on coffee!!!!! Some people get a $5 muffin with it. That’s an additional $25, adding up to $62.50 a week!!!! That’s absolutely ridiculous!

 

I’ll be adding more to this, I just need to go eat before little man wakes up!


A Jill of All Trades


31 year old mother of Aidan, born January 27, 2007. Wife to a music man and tattoo artist on the side. I blog about everything under the sun and don't care if I offend anyone. Hopefully I can put a few stitches in your side.
I love music, fashion, tattoos and web design. Without those things, I'd feel lost. I always want more, more, more...like Billy Idol says. More fashion, more music, more tattoos.

AND....I am not the same person who owns jillofalltrades.com nor am I affiliated with her. My web design business is known as The Design Parlor.




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