Trying to avoid debt
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|Thu, 08-09-2012 - 2:49pm|
I am 3 months married, and trying to find a job (Denver), but my money is just draining. I have two checking accounts; one is back home (GA) and my parents are able to put money from a trust fund into that which I live on basically. Rent is paid from that account, basically I live off that money that should be treated as savings for a house or something. It was given to me by my grandmother for college and etc. College was paid for, no loans thank God.
When I got a job here, I was working when I first moved here and was up until 4 months ago, I set up the second checking account with a bank here so I could do direct deposit, but I am always accumulating overdraft fees.
Should I just close this local account? My thinking is : well I have to have an account here for when I do get back to working so I can cash my check, but I feel like I am paying the bank just to keep my pennies there
I don't want to get into debt.
My husband works full-time, but does not make a lot..yet I am the one who grocery shops, pays the vet bills (wellness plan set up with Petsmart..a specfic amount is taken out of my GA account monthly in order to get free office visits and other discounts...is this worth it??). I pay my half of rent, my cell phone too.
On top of all this: I am slipping back into Depression and have an appt. with a psychiatrist which will add the cost of medicine to this.
Anyone have some advice? I feel like I pay for a lot and I'm the one not working and it's not by choice.