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In way over my head

Posted Wednesday, May 28, 2008 1:20 PM

I think I have mentioned in a previous post about our budget.  I can't remember how much detail I gave so I will start again...

About 6 weeks ago, I was bored at work and decided to utilize the nest budgetor (sp) function.  After entering in our income ect...I was shocked to realize that we were in the red!  I thought that there was no way that could be right so I examine closely..and closer..closer again...nope that damn thing is right.  Well GREAT now what are we going to do!  After a few conversations with DH and some more number crunching I feel calmer but yet nothing is resolved. 

That brings us to today...I have recently started visiting the money matters board and I thought that I would post my budget to see what advice others had to offer...(I don't know why I do this...it only makes me feel worse).  While all the girls were very nice they all said the things that I didn't want to hear.

 I briefly spoke with DH at lunch and told him that I was freaking out about money again and that we needed to talk tonight. 

 Ideally one or both of us should be looking for a second job, I feel bad asking DH because he works long hours, long commute, ect. but at the same time if he would just quit smoking we wouldn't be in this damn situation!! 

So when I get home tonight I am going to cancel our home phone (we both have cells) and when DH gets home I am going to talk to him about down grading our cable and possibly getting him a perscription to Chantix. 

I don't want to fight with him but we are never going to get anywhere if we just refuse to deal with it. 

 Thanks for reading...

Posted by Mr and Mrs King

Comments

re: In way over my head

You are not alone!  :)

Posted by elliscurrie    Wednesday, May 28, 2008 12:54 PM


re: In way over my head

I hate budgeting. I just redid ours, and we have had to make some major adjustments, primarily because of the gas increases. Our gas budget doubled in the last two years. It really sucks when you have to make sacrifices. I know with Directv you can suspend your subscription for a while. We do this in the summer since we don't watch as much. Changes in your lifestyle will eliminate the need for another job. Its just a lot easier said than done.

Posted by st_51405    Wednesday, May 28, 2008 12:55 PM


re: In way over my head

Budgets suck big time.  I moved to a new town 2 months ago and my fiance still has no job so we only have about 75% of the income we use to have PLUS we bought a house so yah budgets stress me the hell out too. Three things we did was cancel our home phone (both have cells) and cable and internet. I have access to the internet at work and we are way to busy to watch tv anyways.  With those changes we save about $200 a month.

Posted by S&R Godin    Wednesday, May 28, 2008 12:59 PM


re: In way over my head

OH plus we scaled back our shopping big time and surprisingly we don't miss all the things we use to waste money on.  In fact we don't notice.  Its surprising how much money we wasted before when we both had jobs and knew money wasn't a real issue.

Posted by S&R Godin    Wednesday, May 28, 2008 1:00 PM


re: In way over my head

I'm not good with budgets.  I just make sure I have some money every month...I'm really bad about seeing where our money goes and making sure it's within guidelines.  I've tried and it's just too hard because it changes every month.  However, I was able to scale back by NOT GOING TO places like Target where I love to see $80 fly right out of my wallet.  I also now put all my groceries and gas on one of those points credit cards, which I pay off every single month, because I am able to physically see how much I'm spending (a harsh wake up call) and at least get some free gift cards out of it.

Posted by edmo    Wednesday, May 28, 2008 1:13 PM


re: In way over my head

that word makes me sick. bleh budget. Brian and I used to so way better before everything except our income's increased. I recently got a dollar an hour raise at work and it helped more than I thought. we wouldn't make it now if it weren't for that and the fact that every time we start to fall behind something happens. Like... this week we got $100 back from our mortgage company for over paying on our escrow, last week someone gave us back some money they owed us and the week before my mom offered to by my gas because she had taken my sister out to lunch and felt bad she didn't invite me. The little things help us...plus my boss making OT mandatory...we would be in the red all the time too without the little breaks we get. We are trying to save every dime we get for harder times because I believe they are coming.... quitting smoking has helped too, and other cutbacks include taking text messaging off our cells (as much as I love it) and combining errands so we use less gas. It's hard but doable. good luck with the talk...I hope he understands!

Posted by AlwaysMrs.S    Wednesday, May 28, 2008 1:50 PM


re: In way over my head

I remember the first time expalined my financial situation on the MM board... I got burnt to a crisp. They made me cry, but I learned a lot from that day and now we are doing much better with our finances. We downgraded our cable, phones and moved to a smaller apartment. I research new money saving tips all the time and sometimes I feel like we never have any money, but I know it will be worth it eventually. Good luck! I hope you guys can figure everything out!

Posted by Lachrisa    Wednesday, May 28, 2008 2:03 PM


re: In way over my head

As an accountant, I am a numbers person.  I balance my checkbook everyday (I know, a little much, but that's just the way that I am) now that DH and I have joint checking...I am super conscience of our spending.  Here are some things that we cut back on.   We make our own coffee at home as opposed to going to Dunkin Donuts everyday, we only go out or order out once a week, usually Saturdays and I make dinner every night.  We never carry cash and only use our debit cards to make purchases (we find that seeing cash is too easy to spend).  We also have direct deposit take out $50 weekly and deposit into a savings account for emergency funds later on if need be...saving $200 a month without really knowing it has helped us out when we get into a bind or just need extra cash to fix a vehicle instead of using a credit card.  Not sure if these will be helpful to you, but thought I would share anyway.

Posted by Nancy&Mark    Wednesday, May 28, 2008 2:46 PM


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