Financial Challenges Support Group
This community is for people who are struggling to meet financial obligations of any kind. Financial challenges include everything from the day-to-day challenges of making ends meet to managing credit card debt to bankruptcy. Get support from others who are going through similar obstacles on the road back to financial stability.
I paid my final payment on my insurance, and it is paid up until June of this year. It was so frustrating, there for a moment, because I was questioning where is the extra money going to come from, I only had $68 dollars left to pay and only had a few cents in the bank.
Then on Friday a check came in the mail and I was able to pay it. I am so relieved.
Now to trick myself into saving for the next 6 mos insurance. And convince my other half that its off limits until my bill is due.
I am fine with saving money, and am getting used to not having money in my hands, but it's my family that sees me as a money tree. ugh!!!
But I am learning to budget my money and paying my bills on time is getting easier, as time goes on.
I just had to change my mindset.
And my SO has a side business that helps during the week between paydays. So it's all slowly working out.
I have to learn to say "no" to my SO, because he has habits that are wasteful and I don't have these habits, and I need to be more firm in saying "no" and stick to it, because I have too many bills to pay for his bad habits.
It's just sucks that right now all my money goes to bills and I don't get any enjoyment out of it. I barely have any for gas or anything else, I see this as dangerous, but I need my truck and I only live on the bare mins. I have a ll phone, insurance, house payment, loan w/ tribes, and a utility bill. with all those bills I don't have any extra for enjoyment.
I have to pay my truck payment this payday, and than I will be broke again.
I guess my question here is what do you all do for enjoyment after the bills are paid and there is no extra money for recreation?
Then on Friday a check came in the mail and I was able to pay it. I am so relieved.
Now to trick myself into saving for the next 6 mos insurance. And convince my other half that its off limits until my bill is due.
I am fine with saving money, and am getting used to not having money in my hands, but it's my family that sees me as a money tree. ugh!!!
But I am learning to budget my money and paying my bills on time is getting easier, as time goes on.
I just had to change my mindset.
And my SO has a side business that helps during the week between paydays. So it's all slowly working out.
I have to learn to say "no" to my SO, because he has habits that are wasteful and I don't have these habits, and I need to be more firm in saying "no" and stick to it, because I have too many bills to pay for his bad habits.
It's just sucks that right now all my money goes to bills and I don't get any enjoyment out of it. I barely have any for gas or anything else, I see this as dangerous, but I need my truck and I only live on the bare mins. I have a ll phone, insurance, house payment, loan w/ tribes, and a utility bill. with all those bills I don't have any extra for enjoyment.
I have to pay my truck payment this payday, and than I will be broke again.
I guess my question here is what do you all do for enjoyment after the bills are paid and there is no extra money for recreation?
But getting my immediate ones current and in my budgets, and at a 0 balance is my main concern right now. I paid my insurance for the next 6 months, I am current with my truck payment.
I am working on my cc, and my light bill and my landline. As soon as I get everything on a good rotation with my income. I will be working on savings.
Oh yeah I paid myself this month too. I pd me $25.00 which gave my negative balance a positive. So I do have money in savings. But I have to keep it in there and not bother it. So how do you do that? I treat it like a bill and when I pay it I just leave it there. It's a bill, not a payment. So when my checking acct runs to zero, I need to say I don't have any money and not spend any money.
so i am on my way to financial freedom :)
What I did was "treat" myself to a once a month party. Congratulations on starting a savings... why not try and find another $5 a week to save? Then at the end of the month, have a little party with that $20.
What I did was either order a pizza and a soda. The soda was a real treat because I quit buying it to save some more money. Or another thing I did was go to McDonalds and get a meal to go and then order a movie through Amazon Instant Video and watched that.
It wasn't much, but after a month of living very frugally it was kind of a celebration for me where I didn't break the bank or put myself back in debt. And I really looked forward to it...
Hope this gives you some kind of an idea of how to reward yourself with simple things for having a good month...
It's stressful at times, but worth it when my bills are paid in full at the end of the month :)
If i do, I will probably go back to selling food, it seems the easiest to sell and what makes money fast. Besides beadworking.
I even have wood sales on the side, and still yet am struggling, my SO is helping as much as he can, but he has his own things he is doing.
So I guess just impatiently wait for my tax refund, and put some savings away from that. Thankfully I got my card connected to my bank, and I can transfer most of it over to my savings. I don't know what percentage would be good, i was thinking 10, but probably less. Since I have some bills to pay yet. Just running things around in my head. I hope I don't get them on a work day, It would suck cuz it would be burning a hole in my pocket. lol
As far as your truck payment... is it possible to pay it in halves? Pay half of it two weeks before it is due and then pay the other half on its due day... this might help with cash flow...