What happens if you don't pay your rent on time? What happens if you don't pay the payday loan?
If you don't pay your rent, you don't have a place to live. They don't have to just fine you. They could opt to give you a 3-day move out notice. Then where would you be?
The most alarming is that you are in debt and don't know how you got there. Review how you've spent your money - to the penny - over the last three months. Where could you have eliminated unnecessary expenses? Now look at how much you plan on making next month (hey, it is almost the end of the month - good timing!) and PLAN where that is money going to go. Feed the kids first, pay for lights next, make sure you budget for gas to get to work and keep a roof over your head. Since you work, daycare in some form is necessary because the kids have to be safe. Other than that, everything goes - cellphone, cable, clothes, even cleaning supplies. Use what you have and vow not to buy anything unless it is absolutely necessary. Food is Top Ramein, MacNCheese (generic not the pricy Kraft stuff) and rice and beans. Go to a food bank if you have to.
SAVE UP MONEY FIRST. You need an emergency fund. If you don't have an emergency fund, when something comes up - and something WILL come up - you'll be stuck going back to the payday loan company. You can't afford to do that.
Once you have an emergency fund, pay off your debts. You really can't afford to leave the kids MORE. Working a part-time job is just going to cost you money. Instead, sell stuff you already own. Have a garage sale. Take stuff to consignment. List it on Craigslist. Get rid of valuable stuff at a pawn shop.
Then don't go into debt again.
P.S. - Do you get an income tax refund? Don't. You need that money now, not later. If you get a refund, change your withholding at your job TODAY so you get the least withheld from your check. You can calculate what your withholding should be at irs.gov.
If you don't have a child support order, get one. The state can help you get an order with no cost, especially if you apply for state aid (like the free lunch program for the girls while they are at school.) Tell the bio-dad he needs to cough up money for camp so you can work or HE is the one who has to watch the kids.
Edited by Cookie2 - 7/24/12 at 10:09am