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.

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Personal Challenges
/ Financial Challenges Support Group

when you think you've got it....crap

deleted_user
deleted_user
I had my whole financial plan worked out. Strict budgeting, credit cards cut up, then what happens? My freaking car has to be serviced. $570.00. I dont even have that kind of money. I am so freakin pissed right now. And I know that i have to somehow come up with the money and not use credit, because i have cut all my credit cards up. I am freakin out, and i just needed to vent a minute. I will figure this out. But does anyone else feel like the minute you try to dig yourself out, something tries to push you back in?
deleted_user
deleted_user
I so totally under stand, I try to put money away and as soon as I have just a little bit, something comes up, that you have to deal with right there and then.
deleted_user
deleted_user
been doing it all summer hang in there it has got to get better.
deleted_user
deleted_user
Can your car hang in there until you get the money? What about asking your work to pay out some of your holidays? My work did when I needed to move house and although it wasn't normal practise, I wrote a letter to my boss and explained my situation.
I go up and down with my finances, even to the point where I am physically sick with anxiety whenever unplanned bills crop up (my brakes were on the verge of failing and I had no $ but they hung in there til I did)
Good luck!
deleted_user
deleted_user
I am hoping i can wait a couple more weeks, and get the money saved up, i just hate when this stuff happens. Throws me for a loop.
deleted_user
deleted_user
Oh yeah...that happens to me too. So I don't even bother to write out a budget. It is like a jinx, as soon as I do some huge bills comes up, not planned for. I had to get a new part for my car recently and it was over $300. So I had to take out a pay advance, you have to pay it back in 30 days, so you can save up some money to repay it, then take it out again for a smaller amount until you are able to catch up. That is the only thing that has worked for me on that.
deleted_user
deleted_user
I really do appreciate this - I had recently a huge bill on my car and also with the heating in the house, both totally unexpected. Like you, I have cut my credit cards up & it has been a case of monthly payment for the heating and robbing Peter to pay Paul...*sigh*
deleted_user
deleted_user
The unexpected always happens...vet bill, car broken down, refridgerator goes out...blah, blah, blah. For those of us that live paycheck to paycheck...there isn't anything extra left over for those types of things.
deleted_user
deleted_user
so...for those making budgets...why are you not including emergency events? Car repairs, health care, etc. Any little bit helps.
deleted_user
deleted_user
I never make a budget - dont expect I will change now. I just live on baked potatoes till I catch up...
deleted_user
deleted_user
In response to Maxell...because I am not making ends meet. I have used up my savings for unexpected Dr. bills, a $400 vet bill, new tires for my car. Soon I will probably just sell my condo, pay off all debt and start fresh. I think it will be a lot less stress. First I have to do some work on the condo to make it marketable.
deleted_user
deleted_user
In response to Maxell, i guess i never thought about emergency stuff, because every time i get an extra penny i try to pay down the debt i have. But after the stint in the hospital, thank god for insurance, the vet bills, the car issues, and crap that seems to constantly crop up, I am seeing the wisdom in setting aside an emergency cash fund. It just sucks because you know that the money in a different pot adds more time to the already long, far off debt free day.
deleted_user
deleted_user
I hear ya. I think we all have financial problems. I just think some handle it better than others. I dont handle financial problems well. I suck at it. I need help. I guess just plan out how you are going to handle the car situation and try not to let it get you down. I wish you well.
deleted_user
deleted_user
but see you did have savings at one point...I am really talking about those that are sitting down to make a budget...do not forget a smidge for incidental emergencies...
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