New to the Board

iVillage Member
Registered: 07-24-2001
New to the Board
8
Thu, 10-20-2011 - 3:54pm

I'm looking forward to good advice and some friends to keep me financially accountable . . . so HELLO DSG!!

Quick Background.

iVillage Member
Registered: 04-10-2003
Fri, 10-28-2011 - 8:10pm
Oh I sure do know what you mean! Part of the reason (I think) that its so hard to become debt free is because it IS such hard work. I know for me anyways. I have to really think about things. If I buy X and can't buy Y and which is more important. This weekend I'm working with my mom to cook a bunch of dinners so that I can really focus on the the November eat at home challenge. Heck, I've even googled what to do with the pumpkins after Halloween (apparently they make pretty decent soup!).

Ah well, means to an end. Just think how great it will be when you have the debt gone and can put some of the money back into your budget :)

Bex -

iVillage Member
Registered: 07-24-2001
Fri, 10-28-2011 - 1:23pm
Hey thinaks for the welcome and great advice.

My dd has a very unusual seizure disorder (unusual in that her seizure are taking place in a part of the brain where they don't usually see seizures) so there are very, very limited meds (only one actually) that has been developed. Since it's an unusual situation there are no programs in place to help her with the costs. It sucks . . . but at least the meds finally seem to be working . . . and at least her latest employer hasn't fired her for having a seizure at work (which is total illegal, but happens alllllll the time)

Obviously you are right about me working. I'm still crunching the numbers. It looks like we can squeek by without me being employed. Honestly, I have been looking for something but things are really, really tight around our rural region. I didn't actually liquidate alallalllll of my Xmas fund. I kept a few hundred dollars, and talked to my extended family about going in on one big family gift which will keep the holiday costs down.

We haven't used a CC since Jan when H ran up one with miscellaeous costs when I was dealing with my medical issues and newly unemployed. I'm not happy about this, but I should have been more aware of what was going on. H is terrible with money. And obviously we were slow to change our standard of living when my job went away.

I'm on week five of our new budget and happy with how things seem to be going. H and I will be sitting down tonight to print new budget goals for next month. My biggest concern is upcoming taxes but I'm planning for them now.

I'm feeling all right about things at the moment . . . but damn this is a lot of work, kwim?

iVillage Member
Registered: 04-10-2003
Fri, 10-28-2011 - 9:52am
Wow, you're family sure has been through the ringer lately! I'm sorry you've had to deal with so much!
I'm glad DD is in a place where she can be working. I really hope she can get herself back into school. I'm not sure what her condition is, but is it possible to get assistance with her medications from the company? I know a lot of the big players will assist with the cost of medications, even temporarily. Just a thought.

As for you, great job with the budget and tackling the problem head on. Changing lifestyle's can be the hardest thing, but if you can do it sucessfully, you often look back and wonder what the heck you were thinking!

I noticed you aren't working now, but have you considered something parttime, even over the holidays just the help with those bills. I noticed earlier that you mentioned you liquidated the Chrismtas fund to help pay medical bills so even it if prevents you from having to use the CCs over Christmas it may be worth it!

Either way, congrats on takign the first step. Post often! We love new faces!

Bex -

iVillage Member
Registered: 07-06-2003
Fri, 10-21-2011 - 6:46pm

Just wanted to say welcome to the board!

Kassandra

"It is said that life has its peaks and valleys.  The challenge is to accept them equally and experience them

iVillage Member
Registered: 07-24-2001
Fri, 10-21-2011 - 3:30pm

Hey thanks for the warm welcomes and words of encouragement!

To answer a few questions.

Community Leader
Registered: 08-25-2006
Fri, 10-21-2011 - 11:25am
Welcome to the board! A bunch of great ladies here that are always very helpful.

Get a spending plan (budget) together and there are a couple gals on here with really good ideas on how to cut back and where ideally our money should go.

Put simply, we need to learn how to live with in our means and start putting money back for emergencies and the unexpected (that really are expected, like car repairs, etc.)

Good luck and please keep posting!
Serenity
Avatar for poorboy2011
iVillage Member
Registered: 10-02-2011
Thu, 10-20-2011 - 5:48pm

Welcome to the board! I am new here, too, but I've discovered a nice, supportive community in the two weeks since I joined. Check out the weekly accountability and snowflakes threads. It sounds you might not need it, but encouragement is always good for morale!

iVillage Member
Registered: 11-14-2008
Thu, 10-20-2011 - 4:14pm

Hi,