big big (((HUG))) for you Bex! Hope venting helped a little.
Our situations are really nothing alike, except I understand the feeling of being overwhelmed and wanting to tear all your hair out if something doesn't "give" soon.
I'd feel trapped (or like in a pressure cooker), too, if I were in your situation. Progress on the debt will be slow for a while, but it sounds like you're moving to a better place: your mother will be out of there, you'll get a promotion, and after the wedding is over you'll again have a bit more cash. I assume you've been nice and warm with the new heater, and in summer you'll be kept cool with the new AC. Things will get better, from what you've shared with us. I know it doesn't feel very good now, but you are getting through a rough patch as we speak. Hang in there. *hug*
Thanks for sharing. It just shows that regardless of income, life can get to any of us.
For what it is worth, I have somewhat accepted that I will probably always have something I am paying on. I am more concerned with unsecured debt right now. As Gale says, all of the trips to the store for "stuff."
Of course we all have the goal of saving for emergencies, and sinking for known expenses, but realistically, for example, with my $20,000 annual income, I doubt I will ever have enough saved for every possible little thing that comes up.
OK, well, that may seem pessimistic, as I do aspire to not ever depend on a CC, I just have to give myself a break sometimes.
hang in there. You will make it through this, you have made it through worse before, right?
Weddings are so stressful, i think you'll find so much relief just having that event behind you.
I find writing things down, whether on a list, or on your calendar, frees my mind up of all the clutter. It also helps to see what you can truly control. Your Mom living with you is within your control, and she is moving out, check!
The furnace breaking down is not within your control, but you dealt with it as best you could. Paying the debt off is, and you are doing that as best you can, and will do more, when you can. check!
Bex, you have something a lot of folks here don't have - that amazing mind and work ethic of yours. That alone will carry you very far. You are at the early stages of personal wealth building when more seems to be going out than saving or growing wealth. Soon the tables will turn, especially since you have no kids to fund through college (there are days when I wish I was in your shoes.) People don't realize how much you pay in taxes when you make more. They think that since you make this larger salary you take home the equivalent in income, but no, you pay WAYYY more than your share of taxes to support those who need assistance. There are times it does not seem really fair, you worked hard in school, have student loans, work hard in your career, yet for every extra dollar you earn to pay back those loans or get that time back with some deserved recreation, so much more of that dollar is taken away. In fact, I looked at my past budgets in the 1990s, we make double what we did then, yet bring home the exact same amount per month! -Marie
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big big (((HUG))) for you Bex! Hope venting helped a little.
Our situations are really nothing alike, except I understand the feeling of being overwhelmed and wanting to tear all your hair out if something doesn't "give" soon.
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Oh vent away Bex!
Oh you have a lot going on.
I'd feel trapped (or like in a pressure cooker), too, if I were in your situation. Progress on the debt will be slow for a while, but it sounds like you're moving to a better place: your mother will be out of there, you'll get a promotion, and after the wedding is over you'll again have a bit more cash. I assume you've been nice and warm with the new heater, and in summer you'll be kept cool with the new AC. Things will get better, from what you've shared with us. I know it doesn't feel very good now, but you are getting through a rough patch as we speak. Hang in there. *hug*
For what it is worth, I have somewhat accepted that I will probably always have something I am paying on. I am more concerned with unsecured debt right now. As Gale says, all of the trips to the store for "stuff."
Of course we all have the goal of saving for emergencies, and sinking for known expenses, but realistically, for example, with my $20,000 annual income, I doubt I will ever have enough saved for every possible little thing that comes up.
OK, well, that may seem pessimistic, as I do aspire to not ever depend on a CC, I just have to give myself a break sometimes.
((((((hugs))))))
hang in there. You will make it through this, you have made it through worse before, right?
Weddings are so stressful, i think you'll find so much relief just having that event behind you.
I find writing things down, whether on a list, or on your calendar, frees my mind up of all the clutter. It also helps to see what you can truly control. Your Mom living with you is within your control, and she is moving out, check!
The furnace breaking down is not within your control, but you dealt with it as best you could. Paying the debt off is, and you are doing that as best you can, and will do more, when you can. check!
and of course, this board is good, vent away!
http://www.TickerFactory.com/savings/
{{{HUGS}}}} Bex, maybe things will let up when your mom moves out.
Norma
"Patience is the best remedy for every trouble"- Plautus
((Bex))
You are doing GREAT!
Bex, you have something a lot of folks here don't have - that amazing mind and work ethic of yours. That alone will carry you very far.
You are at the early stages of personal wealth building when more seems to be going out than saving or growing wealth. Soon the tables will turn, especially since you have no kids to fund through college (there are days when I wish I was in your shoes.)
People don't realize how much you pay in taxes when you make more. They think that since you make this larger salary you take home the equivalent in income, but no, you pay WAYYY more than your share of taxes to support those who need assistance. There are times it does not seem really fair, you worked hard in school, have student loans, work hard in your career, yet for every extra dollar you earn to pay back those loans or get that time back with some deserved recreation, so much more of that dollar is taken away.
In fact, I looked at my past budgets in the 1990s, we make double what we did then, yet bring home the exact same amount per month!
-Marie
Pages