Feeling a little discouraged

iVillage Member
Registered: 12-16-2012
Feeling a little discouraged
22
Fri, 01-25-2013 - 8:04pm

I guess I'm just wishing I had a bigger shovel to dig with. Since the beginning of the year my pay has went down(the tax thing and my insurance cost up) and some bills have increased like my cable,house/car insurance I am just like really?? Can I not get a brake here!! Anyone else feeling the same way??

i just want to make real progress on my cc's but it seems like it will take forever!

michelle

iVillage Member
Registered: 12-16-2012
Sun, 01-27-2013 - 9:32pm

My post was a vent which is allowed here. Maybe vent posts are not the ones you should read. We all have different ways to deal with the debt we're in and sometimes we get frustrated as we are trying to get out of it. I am more than taking responsibility for my debt. Not all posts will have vents but some will.

Avatar for turtleemom
iVillage Member
Registered: 07-25-2007
Sun, 01-27-2013 - 9:04pm

I was respondong to Markets comment about the goverment being to blame notto  your original post.  That's whay I quoted her and was careful to use the term one rather than you. 

 Our insurance has not changed- my guess is the company my DH works for is picking up any difference and not passing it on to the employee.  I checked automatic deposits from last March, August, November and this January and they are all the same.  Now I will say DH receives one commission check a month and that amount varies and we would not notice if taxes were different out of that one due to the amount fluxuation, but wouldn't I see a difference on regular payroll checks?

I am not a person to dwell on things I chose not change or the choices I have made.   Maybe I've misunderstood the point of this board. I thought it would be a place to share ideas on how to cut the extras, frugal household ideas and support for living without the extras and more success stories for encouragement to stay out of debt.  Instead it seems to be a venting spot. 

iVillage Member
Registered: 02-11-2008
Sun, 01-27-2013 - 8:16pm
We are feeling the same way! We've decided to track every penny spent during February. I'm going to have a receipt basket by the door. Every receipt is to be put in the basket...from a pack of gum to the mortgage payment. I'm sure we can find a leak somewhere! We are seriously considering dropping our cable. Good luck! It's not easy when the cost of everything goes up and paychecks drop!

 

      

iVillage Member
Registered: 12-16-2012
Sun, 01-27-2013 - 6:53pm

Sorry but you can pay more taxes and be happy if you want but I think I already pay plenty!! The government can cut back in SOoooo many ways!please!! If your middle class your taxes went down when the tax cut originally took place and now it has been taken away......you must be mistaken and his paycheck has gone down. And your right my debt is my fault but that doesn't mean I should be happy about tax increases or higher ins premiums. 

sorry but your post was off base.
iVillage Member
Registered: 12-16-2012
Sun, 01-27-2013 - 6:53pm

Sorry but you can pay more taxes and be happy if you want but I think I already pay plenty!! The government can cut back in SOoooo many ways!please!! If your middle class your taxes went down when the tax cut originally took place and now it has been taken away......you must be mistaken and his paycheck has gone down. And your right my debt is my fault but that doesn't mean I should be happy about tax increases or higher ins premiums. 

sorry but your post was off base.
Avatar for turtleemom
iVillage Member
Registered: 07-25-2007
Sun, 01-27-2013 - 3:55pm

"The choice was made in November. Now we have to live with it."

The election and credit card debt are two different things.  Debt is because one overspent-lived beyond their means.  Credit card debt is a choice.  The reasons one might need to go into debt is due to other choices, impulsivity, keeping up with the neighbors, poor education leading to poor job availabliltiy, poor choice in spouse which leads to divorce, etc.  People need to own their debt and not place blame on the government for it.  Yes, it stinks to owe on credit cards and yes a lower paycheck is a pain but taxes go up. Rather than  blaming government programs, accept responsibilty for one's own debt.  One puts themself in this position by having debt in the first place. 

We are definitley middle class and our insurance premiums have not gone up and DH's check amounts have not gone down. 

iVillage Member
Registered: 12-31-2010
Sun, 01-27-2013 - 2:58pm

Everyone is finally feeling the pain they were talking about on the campaign trail in November, but people would not listen.  The new healthcare law will be more expensive for middle class people.  Taxes will increase on the middle class.  And more will continue to pour on in the coming 4 years.

It will get harder each and every year, but those without jobs, will be able to get insurance, free education and everything they need. 

The choice was made in November.  Now we have to live with it.

#Marie
iVillage Member
Registered: 04-10-2003
Sat, 01-26-2013 - 1:43pm
I'm sorry you are going through this. I was there in the call. I just want to throw my hands in the air and say screw it. I took the start of the new year as an opportunity to get it together and start to really focus on my debts. I am happy to say I'm finally feeling like I'm in a good place and making progress. I've been in debt now for over 5 years (student loans, car payments, CCs on and off, LOC) and this is the first time that I truly am seeing the end. Its not going to be this year, but its there. Is there anything you can do to find a little extra money? Babysit, an extra shift anything that will make you feel like you are making some progress? Keep your chin up and remember every penny you put on your debt is one less penny costing you interest!

Bex -

Avatar for poorboy2011
iVillage Member
Registered: 10-02-2011
Sat, 01-26-2013 - 1:17pm

Unless you can't afford life's necessities, a big part of how you feel about your debt is... how you feel about your debt -- that is to say, psychological. That doesn't mean it's not real, but it does mean it's something that you can have some control over. There is no reason to carry a debt and feel miserable, when you may be able to carry the same debt and feel OK. But how you can feel OK is the tough part. I try to remind myself that I can still do the most important things and the most rewarding things in life.

Alas, for me it's not so easy sometimes, since all my friends and family are far away. Being with loved ones is very rewarding for me, but going to see them is expensive. No matter where I fly to, it's at least $300, if not $600.

So I guess I agree with Karen. Somehow you have to accept the new normal. I realize that I don't know a whole lot about you, so I hope this advice is not misplaced or inapplicable.

iVillage Member
Registered: 11-14-2008
Sat, 01-26-2013 - 11:29am

You have to make your new normal because you can't change those things you mentioned.. Can you pick up more work or cut something? Then when this debt is really paid off you will feel like you have given yourself a raise because you have cut that expense for good. Don't give up!