A little back story--I got divorced 5 yrs ago. At that time, we refinanced the house, paid off credit card debt and everything was fine. I was actually pretty much debt free and things were going along well until about 2 yrs ago--actually I did have a car loan but when I bought the car, my credit rating was high and the payment isn't that big--I bought a Honda Civic, not a Mercedes or anything. I know the problems started when I had to pay for my own health ins. when I got div, the agreement was that my ex would keep me on his ins for free as long as he was paying for a family plan for his DD--theoretically that should have been until about 2 yrs ago at least because we both assumed she would be in college--well she dropped out of college in the 1st semester and since she didn't live w/ him, he couldn't keep her on as a dependent. Since he only needed a single person plan (which is basically free from his employer) I had to pay for the family plan by myself--they don't give an option for a 2 person plan. That was almost $700/mo. Finally this year I decided I really needed to cut expenses so I switched to a lower cost plan that I pay for independently which is still over $500/mo. Of course by paying for that big plan, I ended up running up credit card debt and that's a vicious cycle since I could probably still make my payments for everything else, but now you add on a few hundred $$ per month for cc debt.--now it's to the point where I am behind on 2 cards.
My income is kind of odd too--I get a basic salary but then my boss promises bonuses when we settle a case. yes, I am a very underpaid lawyer--what I make is really what a paralegal should make. Recently we settled 2 cases and I only got about $500 extra each--there is no set amount, it's basically whatever he feels like doing at the time. I am hopeful that a very big case should be settled in a couple of weeks and if it does, then there's a possibility of getting a lot more. In the past he has given me bonuses of $25,000 and $40,000 so on occasion he can be generous, but it's just not something I can count on. Obviously I am looking for another job. I have had a few interviews but nothing panned out--I have another interview next week for a really good job--$30,000 more than I am making now, plus benefits.
I keep trying to cut expenses but my 2 biggest expenses are mortgage and health insurance. I am thinking I might have to cancel disability ins cause that's another $100/mo. I hate to do that since if I ever got sick & couldn't work, I'd be really up the creek but I need the money now. It's sad that I actually have a full time job and still can't make ends meet--and I am not extravagant either. I also make too much money for any kind of assistance with anything--just over the line.