How about giving this one more Holiday try to get the most out of this position. Can you give the money to someone to hold onto for you so you don't spend it? Could you make an auto payment from your bank account to your credit card in advance to keep yourself accountable?
Can your husband do any work from home to bring in money? Maybe something online?
What about a different part time job that is less stressful, one you maybe enjoy?
Good luck--and get rid of the balances on those cards, they are holding you back of your dream for a house.
I would suggest staying with the job. I know what it's like to hate a job, but that's good money, especially for the holidays and especially since you have a little bit of debt. What you'll probably find is that when that money is gone, you are going to still want the silly stuff you used to buy with it, then you're going to be tempted to buy that stuff anyway except now you make less money and there is less of it to waste.
Keep the job, take your money that you make and immediately put it somewhere where you cant touch it. That's what we do with DH's part time job checks. They go into savings automatically. The money is incredibly helpful even though he only makes about an extra $200 a month. Maybe you can tell yourself that you can quit as soon as your debt is payed off and you have a sufficient amount to put down on a house. I bet you will miss that money when it is gone!
I agree with PP: when you factor in all other unspoken costs of a job, it's just not worth it (what about changes to eating habits when working or things you buy because you are miserable? Maybe the latter is why you couldn't save). Besides, if you couldn't save then, you might actually be more constructive at home... if only by being less tired!
Secondly, most employers wouldn't look to keenly on taking back someone who gave notice unless you have a good relationship AND gave a reason that suggested extenuating circumstances that will not recur. Once you've given notice, unless they offer upon notice that they would take you back, consider the job dead.
Third, customers are customers and if you don't like them at one store, it is unlikely you'll like them at another. I would try not having the second job for a while and, if you have to get another one, find something different. What is it you do in your day job? You might be better trying to find something using transferable skills.
But seriously, after a healthy period of pure indulgence with the extra time (you mean I have time to sit in a tub with a face mask? Read a book? I'm home for that show?!?) and recovery, you probably will find the extra time to tackle money saving will help you more. You may even be happier with your new-found methods.
I don't if you know this but you get a tax break on property taxes if your husband is disabled. As soon as you get the house apply for it. That will at least lower your house payment in our case by around 40.00 a month. If you get a
Might be hard w/the holidays coming but could you scale back on your PT job? Even if its just one less day a week? Perhaps then you'd be less tired/burnt out by it.
Personally if you are looking to get a house I'd stick with it and get that $600 c/c GONE as soon as you could.
Be determined the second your check comes for the second job to write a check with that exact amount to the credit card. I had a second job (lost my first job so now my 2nd job is my only job) and I always transferred the exact amount of my paycheck into savings. NO exceptions EVER.
If you think you don't have self control - ask your husband to do it. Once you see the rewards of your hard work you will be more determined to stick with it. Right now you are blowing the money so you aren't determined to keep it up!! You can do this!
How about giving this one more Holiday try to get the most out of this position. Can you give the money to someone to hold onto for you so you don't spend it? Could you make an auto payment from your bank account to your credit card in advance to keep yourself accountable?
Can your husband do any work from home to bring in money? Maybe something online?
What about a different part time job that is less stressful, one you maybe enjoy?
Good luck--and get rid of the balances on those cards, they are holding you back of your dream for a house.
I would suggest staying with the job. I know what it's like to hate a job, but that's good money, especially for the holidays and especially since you have a little bit of debt. What you'll probably find is that when that money is gone, you are going to still want the silly stuff you used to buy with it, then you're going to be tempted to buy that stuff anyway except now you make less money and there is less of it to waste.
Keep the job, take your money that you make and immediately put it somewhere where you cant touch it. That's what we do with DH's part time job checks. They go into savings automatically. The money is incredibly helpful even though he only makes about an extra $200 a month. Maybe you can tell yourself that you can quit as soon as your debt is payed off and you have a sufficient amount to put down on a house. I bet you will miss that money when it is gone!
Since you received your promotion, I would ditch the part time job that is a source of much misery for you.
I agree with PP: when you factor in all other unspoken costs of a job, it's just not worth it (what about changes to eating habits when working or things you buy because you are miserable? Maybe the latter is why you couldn't save). Besides, if you couldn't save then, you might actually be more constructive at home... if only by being less tired!
Secondly, most employers wouldn't look to keenly on taking back someone who gave notice unless you have a good relationship AND gave a reason that suggested extenuating circumstances that will not recur. Once you've given notice, unless they offer upon notice that they would take you back, consider the job dead.
Third, customers are customers and if you don't like them at one store, it is unlikely you'll like them at another. I would try not having the second job for a while and, if you have to get another one, find something different. What is it you do in your day job? You might be better trying to find something using transferable skills.
But seriously, after a healthy period of pure indulgence with the extra time (you mean I have time to sit in a tub with a face mask? Read a book? I'm home for that show?!?) and recovery, you probably will find the extra time to tackle money saving will help you more. You may even be happier with your new-found methods.
I don't if you know this but you get a tax break on property taxes if your husband is disabled. As soon as you get the house apply for it. That will at least lower your house payment in our case by around 40.00 a month. If you get a
Hugs.
Might be hard w/the holidays coming but could you scale back on your PT job? Even if its just one less day a week? Perhaps then you'd be less tired/burnt out by it.
Personally if you are looking to get a house I'd stick with it and get that $600 c/c GONE as soon as you could.
Be determined the second your check comes for the second job to write a check with that exact amount to the credit card. I had a second job (lost my first job so now my 2nd job is my only job) and I always transferred the exact amount of my paycheck into savings. NO exceptions EVER.
If you think you don't have self control - ask your husband to do it. Once you see the rewards of your hard work you will be more determined to stick with it. Right now you are blowing the money so you aren't determined to keep it up!! You can do this!