Oh, me too! I've fallen so far off the wagon I'm running to catch up lol!!
I'm married with two kids(5 and 2). I'm a sahm and dh works 40 hours a week with occasional overtime. His job is directly impacted by the auto biz--when they're slow, his shop is slow. His bosses are struggling to keep everyone working, and there has been several layoffs. We have three vehicles, one not running and two on their last legs, but we own them.
Things got so bad that we declared bankruptcy in order to keep our home--we can't do anything else due to really bad credit! So we're kind of stuck, but that's okay. Dh is having his wages garnished for the house pmt. It's taking about half his check, but it's money he never sees so he can't spend it elsewhere(how we got into this to begin with, but that's a whole other story lol!). We have no cc's to pay
just a small bank loan that will be paid shortly.
My biggest problem now is making what little we have cover everything else. I'm actually taking a break right now from trying to get a budget together that we can live with!! I'm especially working on cutting down on our utilities, though I'm not sure what else I can do in this area. Part of the budget is to set up some "accounts" for things like a newer furnace, insulation in the crawlspaces, etc. Also Christmas, savings, etc. I'm hoping to have $75 a week to split among the "accounts" to help defray the costs in the fall!! Wish me luck on this one--dh doesn't believe in saving for anything!:mad:
Apriliachick--isn't it amazing how quick you can get into debt, even when you don't have kids? I have to laugh, because when dh and met, we both worked full-time, had no kids, no pets, no house, nothing!! Just our cars(owned) and our apartment. And we still never had enough money! Now we have 2 kids, 2 dogs, a house with all the trappings, and we actually have more than we used to, and I don't work anymore! Go figure lol!
I fell off the wagon. With a new year begining and the possibility of being laid off I thought it would be a good time to get back on the wagon. Anyone want to join me?? Be each others support person. I will give you a little History of me. I married and have 2 children and 2 stepchildren. I work full time and so doesn't dh. My dh likes to play the keep up with the Jones game and I usually give so I as you can assume we also have the Bills to reflect that. We have 3 vehicles and only 1 do we own out right. We have a mortgage and only 1Credit Card ( that I am proud of). 2 small loans which I want to pay off before summer. VERY little in the savings (that I am not proud of)
and we have the threat of me not getting my 40 hours in a week. I bring in the most between us. SO tell me about you. Hope to have a support person real soon!!!
which i am so happy for. I have a very small credit card to work off and a lot of small bills
they seem like only a few but boy do they add up.
Well I stuck to the not make any more debt.And I did get some of the bills payed down.But none of them got paid off.To much happened.The van broke and was not fixable so we use the income tax return to buy a new one.so that was just paid for not on time.Then Momma had a heart attack.And had to have4 bypasses.And you would not believe how much her medication costs.She has madicare so the hospital is paid for but we have to pay for most of it .Oh and the best news of all my DH starts school part time this summer and then full time in the fall.Boy I needed that good news.But I am not giving up.I will get them paid off.
I just have to keep trying.
Emmalee
