Finally facing my demons...My numbers
Find a Conversation
|Mon, 04-14-2008 - 3:22pm|
Hello Ive been lurking and figure I need to be as brave as others. My situation is a little diffrent because of a messy divorce and needing to file bancruptcy with my ex husband my new husband and I do not comingle anything. He pays the mortgage, all the utilities like water, gas electric,phone,satelite tv. He has great credit and is really responsible. So I am not including any of these things that he takes care of in my numbers. Both of us own our automobiles free and clear.
Here are my debts:
I have an income of 1,100.00 a month. Im not working full time.
I have a student loan with W company for 30,107.21 with a monthly payment of 330.00. I am going to try and defer this since we have a baby due in april and I am going to need to be home for a bit.
I pay about 450 a month in groceries sometimes more sometimes less.
2nd student loan from my old university I filled out the paperwork for deferment but I guess it didnt get there in time. So they sent me to a collections agency I just found out they say I owe like 5,999.oo but my last statement from the university says the balance is 4,192.28 so I think the collections is trying to run a scam... So I have no real payment but know I owe atleast 4 grand.
Sallie mae is 55 dollars a month and the balance is 751.76
Medical bills 200
346.71 ( pending my ex husbands insurance hasnt paid it yet so I am on hold about this.
and 357.32 for my old ob doc
Im sure there will be more medical soon. Im hoping my dh will help since this is also his child. However he has over 400 a month taken out for me to be covered on his insurance.
I also want to pay off a bank my ex and I had together for 524.03 They arent even trying to collect but it needs to be paid.
so total debt 36,289.61 I am sick to my stomache, I dont have my 4 year degree because my dh was sent to a new job in a new state and they dont have my degree program here :( I can still get an okay social service job after the baby gets older.
My dh just says well go back into the army to get your student loans paid off but I hated it so badly and would rather just pay it off.
Questions...Besides my stuff I pay monthly what should I start snowflaking on first?