Hi, first of all, i need to say thank you to all of you, you have no idea how much you helped me over the last couple of months... I never posted before , but right now i need help cause i cant understand what I'm doing so wrong to be in this position over and over again..
OK, so my husband's income right now is $591 a week after taxes... I'm a stay at home mom of 2 boys, 3 1/2 and 1 year old.
this are our expenses...
Rent:$755 (cutting down to 700 next month due to signing a new lease)
power:$ 60 (i have a 80 balance from a payment arrangement that ends on the 27Th)
Internet:46.99 ( can't change until march) due on the 4Th each month
DH cell:$40 due 13Th each month
My cell:$48 due 23rd each Month
Car payment: $244 .( we only have about 1500 left on that and we're done) due 20Th each month
car insurance : $80 due 20Th each month
health insurance:$ 50 every three months
As you can see we should be OK, but we're not... I'm $60 over drafted plus the $34 fee this week.
I just dont know when to pay the bills , sometimes i think I'll have enough money and time to pay for it with the next paycheck and end up like this...
All the bills are up to date but I'm terrified cause we don't have any savings, or emergency fund...
I'm feeling like a failure cause I'm the one who handles the money and its not working.... My husband doesn't even want to get involved and it bothers me to go somewhere and be the one saying that we cant buy this or that when he should know how much money we have.
I just started watching a little girl so that should add up . But I'm not sure how much I'm going to be making yet.. still trying to figure out the days she'll be here...
I appreciate any advice you can give me.. i just don't know what I'm doing so wrong . I never worried about money growing up, never wondered how my mom did to pay the bills and i regret so much not being aware of all that...