Can't pay bills so we can eat....
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Can't pay bills so we can eat....
| Mon, 08-16-2004 - 12:28pm |
Anyone ever forgo bills so you can put food on the table? I never thought this would happen to me again. But it has. We would have 1200 dollars free if Shane hadn't made a mistake several months back. He pawned his father's gun and Rolex so he could pay for my engagement ring. Well, he went to get the stuff out last week and it ended up costing him 250 more than he expected and now we're broke. Totally broke. So here I am, pregnant, and worrying over money. I took Dylan to get a cavity filled today and it cost a fortune. We may get a refund from insurance on some of it. But not anytime soon. But bet on it that I'm gonna call can ask when I can expect it. Shane had no choice but to go get his items out of the pawn shop. It was due and he needed to go or lose them. So we are having to not pay his truck note this month (we will make up for it next month) and be late on a few things so we can get food. It's really sad. I hate being pregnant right now since I have this stuff to worry me. Shane never worries about it. He always says it will be okay. Maybe I need to just stop caring like he does and just float thru life like nothing matters. Unfortunately, I can't be like that. It is truly amazing how we can have such a large income and never have any money.
I need a hug,
Mel

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((((Mel))))
He always says it will be okay. Maybe I need to just stop caring like he does and just float thru life like nothing matters.
You know, to a point, Shane is VERY right. It will be ok. You WON'T be homeless. You won't be hungry. You won't be without clothing. Life might be more uncomfortable for a while like this, but you will be fine. But I think there's a balance to an attitude like this. You can't float through as thought NOTHING matters. You just have to learn to roll with it, do what YOU can and then be content. I am sorry you're going through this, now of all times. The good news is, you CAN be caught up just fine and back on top of things soon. But remember to take care of yourself. High stress levels are a bad idea in pregnancy.
It is truly amazing how we can have such a large income and never have any money.
I hear you. But you know why it's a problem? Because you haven't really budgeted and STUCK TO a budget/financial plan of some kind. I've said it before, and I'll say it again. Mel, make an appointment and get in with Shane to see a financial planner! Someone who can help get you both on the same page with your spending and get you on track. I really strongly feel that this would be beneficial. If nothing else, it'll eliminate the unknown "when are things going to fall apart again/are we going to be able to pay the bills this month" stress. You do NOT need that. And there's no reason for it. Financial planning is a giant sized reality check, and once you know what's really real with regards to your finances you don't have to live in fear of it anymore.
Forgot to say...Yes, I have had to skip bills to buy food. It happens. It sucks, but contrary to the way I felt then, it wasn't the end of the world. I am still alive and well and my finances are in decent shape if not exactly where I want them.
And to be honest, I want to get to a financial planner with Jas myself. I've been thinking about it, and your post reminded me!
Of course we all have to juggle bills in times of a cash flow crises.
But look at the bright side - he paid cash for your engagement ring and was willing to pawn those items to do it. Too cool!!
Maybe now is the perfect time to get Shane thinking about saving more and spending less - especially with member number 4 coming to your family!!
Good luck and hugs to you!! I think you are right to worry - you have to make a change and do something if you want to get a handle on finances and save.
And, I would add, make sure you call the bank for Shane's truck, let them know that you hit a snag, but that you will pay them "x" amount of what date.
Hugs. It's stressful to have money issues ANYTIME, knowing you are expecting a little one soon even doubles it.
Mindy
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Rent is high, groceries are expensive because I cook every night (even though Hamburger Helper can be used once a week and I do that without feeling guilty). I would cook casseroles or spaghetti because they are cheap to make and go far, but he hates those things. So I'm stuck buying things that don't go as far. He insists on dry cleaning a lot of his clothes and we do have to do his slacks, but his shirts can be washed and hung and starched at home. SO I insist that until we get back on our feet, I will do that. Unfortunately, the pants still have to go. I also got into a financial slump as a single mommy and have some debt I'm paying off. Just two acocunts and one is almost paid. Next month, in fact. He has student loans, but we're managing those. His biggest weakness is EBay. He browses it daily. And golf stuff. But if we just pay the bills we need to pay on time, we shouldn't have a problem getting some of that each month if we just stop eating out on the weekends or going out. We have stopped going to clubs. It's too expensive and I'm pregnant now, so it's no use going. Too smokey. My friend, Rebekah also seems to reap the benefits of our spending because we pay for her night out. She doesn't make much money, so Shane insists we pay for her way. I don't mind if we do it once in a while, but it got to be every weekend, we were shelling out cash for one extra person. That's stopped for now. It's just too much.
I am going to make up a budget on a spreadsheet and we will have to start sticking to it. I did accounting for 2 university bookstores and handled their budgets. So if I can conquer that, I can surely get this straight.
Bring it on!
Mel
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Hi
Yes, I've been there and it is no fun.
Hi Mel, On rare occasion under dire circumstances while single, I've had to pay a bill or two a little bit late in order to eat.
If you were like Shane you two would NEVER have enough money... It's a pain, but it's that way sometimes, one is good with money, one is bad with money.
Kim
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