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overwhelmed.

post #1 of 22
Thread Starter 

I have to figure out my bills but I am quite frankly overwhelmed. Ugh. I just looked at the balance on my bank account. It isn't enough to pay even one of the 4 bills I have due. As far as I can tell thus far we only blew about $75 on stupid stuff and the rest of the check was on more necessary stuff like gas, meds, groceries, phone, a loan payment, school stuff, etc. I hate days like this. I really do. 

post #2 of 22
I read the other thread where you're two months behind on your cable bill. That's the first thing I'd cancel if I couldn't pay my bills. Yes, it might be nice but it's certainly not a necessity of life. We HAVE the money to pay for cable but we still don't have it. So I'd start there. Examine all your bills, see what you really NEED, instead of just what you want, and make cuts as necessary. The other thing is I know you've got lots of other people's kids right now. I would be asking all those people for some money to take care of them.
post #3 of 22

It sure can be overwhelming when stuff starts adding up.

Quote:
Originally Posted by aliadam View Post

I read the other thread where you're two months behind on your cable bill. That's the first thing I'd cancel if I couldn't pay my bills. 

I agree!

 

I assumed that you were being paid to watch those kids, but if that's not the case, I would refuse to watch them.  That's just me, but I watched SIL get taken advantage of in a similar situation.

post #4 of 22
Thread Starter 

Oh, I get paid for the most part. For the family iwht the 1 and 2 yr olds I am only charging for one kid instead of 2 but am getting paid. I am also getting tutoring from that mom for my kids free. My BIL has/is giving me what he can when he can. We always and forever fall behind in July no matter how much I try to plan for it. We will be caught up again by Sept. I knew this was coming so I wasnt' real surprised. Still is overwhelming to look at because I don't like to be behind at all. <sigh>

 

I wouldn't turn away these particular kids even if I wasn't getting paid anyway. It is a matter of my path in life. At some point we will retake our foster parent classes and go that route. These are kids that truly need us, their families need us. We get taken care of in return. If not by them then in other ways. What goes around comes around. Needs always get met, even if the wants don't. 

post #5 of 22

Hopefully you will get some good karma your way soon.

post #6 of 22
I know what you mean about this time of he year, it is bad financially for us too. We always have to dip into savings at this time of he year.
post #7 of 22
Sorry about the struggle. I agree get rid of cable. Maybe you can get rid of cable and get Netflix to save money. We went years without until we could afford it.
post #8 of 22

$75 is a lot to spend on stupid stuff. That could have gone towards one of your bills. If you know a certain month is going to be harder than others, then you really need to tighten the purse strings and only spend on things you absolutely need. 

post #9 of 22

Call on your bills that is one thing you can do now. Tell them you are unable to pay and ask to work something out.

I just called on my larger then normal water bill and they are spreading it out for me so I can afford it.

Then Tighten your purse to make the slightly larger payments.  

I have arranged payments on even small medical bills. 

post #10 of 22
Thread Starter 

I finally think I have it figured. We will be all caught up by the end of Aug. I also am babysitting the 2 little kids I watch during the day mon-fri this weekend from Fri morning until Sun afternoon straight. Extra money there. BIL is going to give me some money this weekend also since I have A LOT of running around to do with his kids. Most of the back to school stuff is purchased already. I will have dh call the satellite/phone/internet company tomorrow and deal with that. $75 may seem like a lot but I can't really cut back any more on DH or else he will freak out. When he doesn't have some money he tends to overspend. Childhood issues. We worked on it in counseling and agreed that there would be at least $50 a week for McDs, chew, candles etc. Dumb stuff we could do without. So $75 is pretty good. 

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