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I have money issues and I have to just rant

ancientgirl
February 29th, 2008, 12:15 PM
I'm such a dummy! I completely forgot to pay my health insurance January AND February. Now I have to pay those two months or I'm canceled. My March payment is due on the first, but I'll have to let that slide and hope they don't notice. Yeah right!

Then of course, I've got to pay my rent, then my power bill, and cell phone bill since it's the only phone I use. I have a phone line, but I only use it for internet, so that's due too, oh, and my cable payment is late.

So let's see, I'll have all of $30 left for the next two weeks. :yell:

I've been racking my brain trying to figure out where I can squeeze some money out of and the only thing I have is one credit card that has an available balance of $16.00, and another with $6.00. That'll have to do for gas.

I have to buy the Fantastic Four food today too, so I'll get them what I can for now. Czarina has plenty of food so she's good. Oh, I just remembered I needed to buy litter, but I've got some left and I can probably wait until after next week to change their litter out completely. I've been doing it once a week, but this time they'll have to have it for a bit longer. I clean their boxes out daily, so I'm thinking I should be okay to let it slide for an extra week or so.

:frustrated:I hate having money issues. And I hate that it's partly out of my own stupidity too! There's nothing I can do but wait and hope these next two weeks go by quickly.

Sorry for troubling everyone about this, but I had to let this out.

Winston
February 29th, 2008, 12:20 PM
Oh Ancientgirl! I hear you! Money issues can be depressing...but what I have learned is that you catch up eventually and it all works out in the end...just take it one day at a time...thats what I have learned...

Have you thought of applying for overdraft protection? I now have that and it just helps out in times like you have mentioned...you pay a fee when you use it but it eases my mind to know when I am short it is there!

How is Czarina doing these days? The fantastic 4 look really good!

Cindy

BAILEYSMUDGE
February 29th, 2008, 12:27 PM
I know what you mean...:wall::wall::wall::wall:

I find what helps me is making a list of all the bills & payments you need to make and which day of the month it works out regarding your incoming money. Then work out the food allowance (I always start with the boys...food, litter, etc).... It's difficult at first..but if you remain in touch with the list... it's easier to see when and where the "extra" monies fall... I'm thinking about putting my phone, internet & TV Cable all on one bill, monthly... it actually works out cheaper. :thumbs up

want4rain
February 29th, 2008, 12:30 PM
*sigh* i soooooooooo know how you feel.

-ashley

ancientgirl
February 29th, 2008, 01:13 PM
Oh Ancientgirl! I hear you! Money issues can be depressing...but what I have learned is that you catch up eventually and it all works out in the end...just take it one day at a time...thats what I have learned...

Have you thought of applying for overdraft protection? I now have that and it just helps out in times like you have mentioned...you pay a fee when you use it but it eases my mind to know when I am short it is there!

How is Czarina doing these days? The fantastic 4 look really good!

Cindy


I do have overdraft protection. But I'd need to actually have money in my savings account for it to kick in:o

Thank you for asking, Czarina is great. I see her daily. I sit and play with her while I talk to Miguel. She almost sat on my lap today. I'm really hoping to get her to a point where she will trust me enough to try again to bring her inside. I don't think she was completely ready when I tried before. Maybe that was part of why she wanted out. But I also don't want to traumatize her by doing it again. I think I just need to give her room and try and figure out what she really wants.

Bailysmudge - I have an expense chart my friend did for me, but it's on the computer. I think I just need to have it all written down and plaster it on my kitchen cupboards so that I can have it in front of me and not forget. I'm so bad with money:mad:

want4rain - Yeah, it sounds terrible but I take comfort in knowing others can understand what I'm going through. I also tell myself, at least I'm not ill, or homeless or starving.

Love4himies
February 29th, 2008, 02:12 PM
Aww money problems, always on my mind.

$6 for gas? We spend about $50 a week on gas for the car and we drive a civic and my hubby and I commute together to work.

want4rain
February 29th, 2008, 02:26 PM
we have learned to be very very very good with money but it hasnt helped. with gas prices sooooo high, our need for high tech things (my husbands line of work calls for it)

just to give you an idea monthly-
mortgage- $1300
electric- approx $160 in the winter
cable tv (basic plan), high speed internet, phone- $190
civic payment- $300
water- $60
heating and air unit payment- $200
student loan- $200
gas- $200-$250 between 2 cars

thats just what i remember off the top of my head. i know we also have a credit card payment (gettingn lower!!) and groceries and pet food but we also toss enough to cover the car insurance, house insurance, car repairs and annual vet bills into the savings account. oh and some for the possibility of having to PAY into taxes. thankfully we have always gotten a return.

we have a car that needs new tires, transmission, the other car needs its 30k mile check up (danged things runs above $400!! :confused: ). we have extensive home repairs to do, a fence to put up for Mister so he actually has room to RUN, the deck needs some hefty repairs and our dryer went up in flames a few months ago. thankfully i was THERE when it happened!!!!

they say when yo umake more money.... your bills get bigger. i still hold up that Chris married me cause i was a single mom who knew how to squeeze a dime out of a penny. :cool:

yeah, i soooooo know how you feel. i feel like we are always just barely sinking. when we start pulling ourselves out, something else falls on us to drown us again. sorry i dont have any hopeful words for ya.... :needhug: first of the month is coming up. :grouphug:

-ashley

Kashi
February 29th, 2008, 02:37 PM
I've been there. Many times in the past, thankfully pre-kids and with only the cat and fish for pets, with $20 a week for groceries and such.

You can't help but pay your bills - but can you call some places and ask for a temporary deferment ? See if you can negotiate a lower interest rate on your credit cards ?

ancientgirl
February 29th, 2008, 02:57 PM
Aww money problems, always on my mind.

$6 for gas? We spend about $50 a week on gas for the car and we drive a civic and my hubby and I commute together to work.

No, I meant the $16 and the $6, and that will only give me maybe a weeks worth. I was getting a good two weeks out of a $40ish fill up, but that was about a month ago, before regular went up $.10 in a week. Bah!

ancientgirl
February 29th, 2008, 03:01 PM
we have learned to be very very very good with money but it hasnt helped. with gas prices sooooo high, our need for high tech things (my husbands line of work calls for it)

just to give you an idea monthly-
mortgage- $1300
electric- approx $160 in the winter
cable tv (basic plan), high speed internet, phone- $190
civic payment- $300
water- $60
heating and air unit payment- $200
student loan- $200
gas- $200-$250 between 2 cars

thats just what i remember off the top of my head. i know we also have a credit card payment (gettingn lower!!) and groceries and pet food but we also toss enough to cover the car insurance, house insurance, car repairs and annual vet bills into the savings account. oh and some for the possibility of having to PAY into taxes. thankfully we have always gotten a return.

we have a car that needs new tires, transmission, the other car needs its 30k mile check up (danged things runs above $400!! :confused: ). we have extensive home repairs to do, a fence to put up for Mister so he actually has room to RUN, the deck needs some hefty repairs and our dryer went up in flames a few months ago. thankfully i was THERE when it happened!!!!

they say when yo umake more money.... your bills get bigger. i still hold up that Chris married me cause i was a single mom who knew how to squeeze a dime out of a penny. :cool:

yeah, i soooooo know how you feel. i feel like we are always just barely sinking. when we start pulling ourselves out, something else falls on us to drown us again. sorry i dont have any hopeful words for ya.... :needhug: first of the month is coming up. :grouphug:

-ashley

Right now I just feel overwhelmed, but I think I can manage, I have no choice.

Right now, my main concern is gas. I'm getting the F4 some food which should be enough for next week. And I've got some kibble to act as a back up. For myself, I'm not too worried. I can get a gallon of milk and just have cereal, I don't really care. But I can't have them go hungry.

aslan
February 29th, 2008, 03:21 PM
I'm not sure about down in florida, but it's tax time here. Anychance you can get your income tax return?

krdahmer
February 29th, 2008, 03:40 PM
Oh man can I relate! :sorry: (Can I rant too???!!:o) This month has been aweful for us, hubby is a trucker and only gets paid when he works... which this month has been patchy because of Chinese New Year... we had no idea the whole country's shipping was shut down for 2 whole weeks! So the checks coming in have been much less than what is going out!

Plus we just had his parents rearrange some debt they helped us with for his truck and some messy personal and business debt we had, it is all now in one spot and we pay $458 a week... we still have about $5000 we have to muddle through on our own too... and that doesn't include the $900 for rent today... the $200 the bank took out in error today.... our $500 cell phone bill cause hubby can't stay under his minutes:mad:, the $700 for Buddy's teeth, $300 for heat hydro and water, $200 for phone internet and cable... sometimes it just all seems too much eh? And you want to do this :yell::yell::yell: for about an hour...:rolleyes:

The only thing I can think of that might help you is not changing that litter so often, the Swwheat stuff is so great... I change it out about every month and a half and sometimes longer, if you're scooping everyday like me that stuff lasts a looooong time, all you have to do is top it up every week to replace the scooped stuff. I pay about $26 for a 17lb bag here, so I get 4 every 2 months. Changing it every week would get way too expensive.

And I have found that if you call the people you owe like say the health insurance people or your credit cards and let them know that you can't make a whole payment but can do it in smaller payments over a few weeks, they are usually receptive to that as it shows that you have every intent to pay them... sometimes it requires talking to a supervisor, and I also call if I know I can't make a due date and sometimes they will wave late fees too. You just have to ask. I'm usually surprised at how understanding creditors are when you communicate your problems and are proactive about a solution. Maybe if you let them know it was an oversight about Jan/Feb and pay that right away, they will let you pay March's a little late?

I'm hoping to do some fancy budgeting here in March, depending on hubby and work, and have our small stuff righted by April. Then we just have to work on the $127000 we owe his folks (the $458/wk for 6 years):eek:!:rolleyes::laughing:

I use a seperate calender too to keep track of the due dates of all our bills so that it's easier to budget and harder to forget bills.

want4rain
February 29th, 2008, 04:52 PM
I can get a gallon of milk and just have cereal, I don't really care. But I can't have them go hungry.

yep, i did that on and off for abotu a year. i SOOOO know!!!

another really inexpensive meal you can make (too bad i didnt know this then!!) is boil a whole chicken for about 70-90minutes (at walmart they are $0.84 per pound) and make a chicken and rice/noodle soup. that should last you 4-6 meals. the skin makes a nice meal for all 4 of my cats or the dog. AND it has less sugar than cereal!! its still pretty good without any spices or carrots and celery. :)

-ash

ps chicken is also very high in zinc. eating bad is gonna get you sick. eat good food to keep that at bay. you cant care for your F4 if youre sick!!!!

CyberKitten
February 29th, 2008, 04:58 PM
Not sure I know what overdraft protection is but it sounds good - compared to other options. I agree with krdahmer - if you make arrangements with people who want money from you , or who you owe, they will be much more receptive to listening and giving you a chance. I still get calls sometimes from Residents who need help with balancing student loans (It costs approx $40,000 a year to attend medical school) and one of them was into internet stuff and ran up a$120 telephone bill. I would have freaked of it was me but I did not tell him that. U suggested he cal home and make arrangements and they were very courteous and good to him. I tell them do not lie, just say you are having problems and offer to pay what you can (and sometimes negotiate) and it should work out. Any chance of getting a 2nd job in the interim? There are always different ppl looking for things and even if it is a little bit, it helps. That was always my solution in univ- I was in school for so freaking long and graduated with not a single loan owing but I had 3 and 4 jobs in addition to my studies. It was never easy but I think back to living on $20 a month some times (after bills were all paid) and I think "no wonder I was so skinny then, I would grab stuff to eat at the hospital and hope some well paid practicing professor might invite me to lunch or dinner, lol Or as a group, we'd attend these seminars put on by usually the bad guys, big pharma and I;d be stuffing my pockets with carrot sticks and nuts and other stuff. Well, it was protein And carbs, lol

Good luck - I;d call the companies you owe and ask about making an arrangement over time. That might help you more than trying to at it all down though that ia a good thing to do. Take care and good luck!!!

14+kitties
February 29th, 2008, 05:45 PM
LOL I read this and it sounded like my life! Been there, done that, going through that! I figure the only thing that is going to get us out of debt is to win the big one or have the big one (heart attack). :D
We have had lots of extra debt lately.... hydro pole coming down and ummm... 16 kitties :D but it will improve. I just have to sell tons of plants this year!!!

------("")----("")------ Hang in there. It gets better!

Praellwyn
February 29th, 2008, 06:31 PM
I don't mean to steal anyone's thunder but Montreal apparently only has resources for "children, parents, families, the elderly, & the mentally handicapped" (social services) & my Bulli Scarlet is my only reason. I just had to respond. I have just lost the last 3 1/2 yrs to a couple of fluke accidents & I need tio express myself.

I had a small maternal inheritance (meant for university) that I gladly blew on my Bulli Scarlet (www.dogster.com/dog/507317), never suspecting my future. Severing flexor tendons in my writing hand & THEN being hit by a red-light runner ONE month before my physio ended & I could begin to live again took the rest.

Quebec' s (SAAQ) automobile society paid some work comp but I was just this week deemed "fit" for work & since Scarlet's last vet (also director of DMV - 24/7 emergency & specialistsis - :evil: - I was warned about him at the DMV but no car) mistreated her urinary infection (posted in health forum)several times I now have to spend the last of my comp on finding a way to Quebec's holistic vet (only 1! - semi-retired) & hope for a payment plan. Also, thanks to a loophole the SAAQ doesn't have to compensate for my academic education so it looks like I will be min. wage 'till I die instead of being an archivist. Hopefully an employer overlooks my 3 1/2 yr work history gap in the next month or we will be homeless :cry:

With vet bills I only have (now) a prepaid cell so I have had to lose contact with my friends as THEY graduated & moved away into jobs & futures. Sarlet is my everything but after $22000 (:censored: breeders & their commendable show rep - since started concentrating on breeding pugs) I have NOTHING left. Scarlet & I lost 2 yrs 2-gether while I healed & on top of loosing my future now I may lose her. At least I worked for a "doggie daycare" before my accidents so Scarlet had somewhere to stay, for free.

I would add pix but I keep getting "Cannot Display This Page. Please Try Again" so I added Scarlet's Dogster page.

dmc123
February 29th, 2008, 06:31 PM
I'm such a dummy! I completely forgot to pay my health insurance January AND February. Now I have to pay those two months or I'm canceled. My March payment is due on the first, but I'll have to let that slide and hope they don't notice. Yeah right!


I too can relate. One thing I did to remind me of bills, especially those that don't send out a paper bill....I added a reminder to myself in my mail program - Outlook. Not sure what email you use. Or you could get a real calendar and make a note of when a bill is due.

I also did that recently for my water bill. It comes on a small card, like 3" x 5" and one month it got stuck in the bottom of my mailbox. (box is vertical, with the opening at the top). So for a 35.00 bill, I had to pay a 5.00 late charge - I hate those!

Good luck, find a way that works for you - to remind yourself so you don't have to pay so much all at once-that can be so hard on all of us.

Diane

Kashi
February 29th, 2008, 06:53 PM
Well, you can add my sympathy today.

Hubby came home from work with the news that he is on an indefinite lay-off.

*sigh*

ancientgirl
February 29th, 2008, 07:28 PM
Holy crap! Kashi that's horrible! Praellwyn I'm sorry too. It's so hard to make ends meet these days. Just when you think you're getting caught up, something happens and you get the rug pulled out from you.

I'm glad I have people that at least understand. Thanks guys, for yoru support. I'm not feeling so alone in all of this anymore.

BusterBoo
February 29th, 2008, 09:18 PM
Been there, done that...but trust me, things can get better!

I now make payments on ALL bills whenever I get paid. So instead of waiting until the due date (lets say the 10th of the month) I will pay half of the bill on one pay and the next pay, I get to pay the balance. (hope that makes sense??). It just sort of evens out the payments so you are not paying a huge amount mid-month or first-of-month. My mortgage is automatically taken out of my bank account, along with my municipal and school taxes, so no worry about that.

If I can't afford the extras, I do without! I eat well....Buster is very well fed and we have the basics we need.

the best advice is talking to your creditors! A lot of companies will allow you to pay the interest only for a month or two. Yes, eventually you have to catch up with the payments, but if you can get a break for a while, it sometimes helps.

Good luck....it isn't easy, but it is possible! :thumbs up

Frenchy
February 29th, 2008, 09:52 PM
Been there, done that...but trust me, things can get better!


Please tell me when :laughing: I will not list my expenses here because it will make me :cry: , but I spend more on gas than on food for me. Sam and one of my cats eat better than me :p (on raw diet but that's ok , I don't like meat anyway!) I have spent about $10 000-$12 000 on vet bills for the past 2 years , maybe more ... and that does not include the basics (shots , annual exams , heart worm treatment , food , Vanectyl for Bailey ...) + all the bad lucks , having an old house etc .....

so yes , I guess I can relate :p but like you mentioned ancientgirl , I keep reminding myself that I'm not sick , some people are worse off than me , and others have more but don't appreciate it and will never be happy in life. :shrug:

babykitten
March 1st, 2008, 12:41 AM
:sad::cry: i know bills and bills keep coming stay strong girl you will get over it :)

Rick C
March 4th, 2008, 04:27 PM
I'm such a dummy! I completely forgot to pay my health insurance January AND February. Now I have to pay those two months or I'm canceled. My March payment is due on the first, but I'll have to let that slide and hope they don't notice. Yeah right!

Then of course, I've got to pay my rent, then my power bill, and cell phone bill since it's the only phone I use. I have a phone line, but I only use it for internet, so that's due too, oh, and my cable payment is late.

So let's see, I'll have all of $30 left for the next two weeks. :yell:

I've been racking my brain trying to figure out where I can squeeze some money out of and the only thing I have is one credit card that has an available balance of $16.00, and another with $6.00. That'll have to do for gas.

I have to buy the Fantastic Four food today too, so I'll get them what I can for now. Czarina has plenty of food so she's good. Oh, I just remembered I needed to buy litter, but I've got some left and I can probably wait until after next week to change their litter out completely. I've been doing it once a week, but this time they'll have to have it for a bit longer. I clean their boxes out daily, so I'm thinking I should be okay to let it slide for an extra week or so.

:frustrated:I hate having money issues. And I hate that it's partly out of my own stupidity too! There's nothing I can do but wait and hope these next two weeks go by quickly.

Sorry for troubling everyone about this, but I had to let this out.

I feel for your plight. In 1980, I had $20 to last two weeks, including food.

The secret to survival was a lot of Campbell Soup and toast.

Rick C
www.goldentales.ca

ancientgirl
March 4th, 2008, 07:05 PM
Yep, I managed to get about 5 of the Ramen noodle packages for like $1.00. LOL, that's the best deal in town!