Feeling down and discouraged

iVillage Member
Registered: 02-11-2006
Feeling down and discouraged
4
Wed, 10-24-2012 - 11:42am

My DH and I sat down last weekend and went over our budget and our debt, and made a plan to pay things down.  We were on the same page, feeling hopeful and empowered!

 Then on Monday I lost one of the families I was providing child care for (they are using family for free now), so there goes about $420 a month.  I'm looking for a new family, but it's not easy!  Interviewed one who said they wanted to hire me, but then said their schedule was unknown.  Interviewing another family on Saturday and hoping for the best.  We really need that income!

Yesterday we had to have an electrician come out and fix an unsafe electical problem to the tune of $645.  Ouch.  There goes most of our E-fund. 

And the board changes are bumming me out.  Sigh.

iVillage Member
Registered: 09-29-2012
Wed, 10-24-2012 - 4:50pm

I can so relate to what you're going through. How fortunate you had that money in your EF, though. I'll bet there was a time when you did not and we all know how we pay for those things! I've come to the conclusion that there will be times when holding steady is all we can do and there are times when we really can be gazelle intense. But, for me, gazelle intense will never be a constant. I wish it could be!

Child care is SO needed. You'll get another family soon, I'm sure.

Didi

iVillage Member
Registered: 04-08-2008
Thu, 10-25-2012 - 12:07am
Same thing happened to us, we just got a bill for new brake pads for $600! That seems very high. Especially when we just got them changed last year... I got a promotion and started a longer commute downtown. With the price of the commuter train, I'm not bringing home *that* much more. But I'm away from home an extra 1.5 hours/day. So two steps forward and one step back... I wholeheartedly agree with Simply in that sometimes you have to stay the course. As long as we aren't going into more debt, we are not falling back. I plan to go to school in Jan and that'll kill our budget but in the LONG run it will be better for us to have the opportunity for me to make $20-30K more per year with that degree (of course, if I don't I'll be po'd but c'est la vie right?) We are still on the board and we'll get it all straightened out - don't get down about that :) Hugs, Dee (formerly Passion8te)
iVillage Member
Registered: 04-08-2008
Thu, 10-25-2012 - 12:09am
PS - I did have spaces and paragraphs and I have NO idea what happened to them :)
iVillage Member
Registered: 07-24-2001
Fri, 10-26-2012 - 2:24am

Please don't feel frustrated.

This stuff is tough.  It is.  If it weren't then no one would be in debt.

I sometimes tell my H that I've never felt so poor before.  We actually are better off than we've been in a long time, but sometimes it doesn't feel like it.  When I had my head in the sand, it FELT easier, better.  Of course it wasn't.  But KNOWING sometimes feels a bit overwhelming.  And KNOWING is harder then simply not knowing - ya know?

I think it's great that you have a clear idea of what losing a child in your daycare means - black and white . . . the actual numbers.  That means you are plugged in . . . and being plugged in means that you aren't in any sort of denial. 

And it's so much easier to deal with the things that you know . . . rather than dealing with the stress of the things you don't know.

You'll get this figured out because you already know what you need to do, and I'm confident that you'll get it done.