My xh has screwed me out of two months of child support (there was a slight filing mistake by the state but he knew it was a mistake but chose to let it go in hopes I would just cry a little and think they were right. the first month...yeah, the second month I had a panic attack and then once I could breath again swung into action. i had it figured out and settled inside of 10 minutes. or so i thought. and unless he has no functioning brain cells he knew he owed me the money and should have just put into saving knowing the bill would come due. but he didn't. he spent it on something...) and now wants to pay it back slowly. And they will let him because he is a smooth talking douche bag and the state of south dakota sucks.
And he is taking me back to court to get my support lowered. again. we were in court 3 months ago. hence the filing error.
A basic run down of my budget:
house $800 (tried to sell it. no one even looked and it would be hard to find a find a place for less than $800 a month. I need at least three bedrooms to keep custody of my kids. I already live in the bad neighborhood and my house is on the road to condemnation.)
car $325 - can't sell it. it is 2 years old, has just over 10,000 miles and has been in two major accidents. Accidents tank the book value. It should have been totaled. It is worthless.
insurance and gas- $140 (insurance is $75 and that is a gift in light of the accident that was my fault. gas I get by with about 1 1/2 tanks a month. about 15 gallons.) We have no reliable public transportation. even if I did passes would be $125 a month....and I would still need a car and with a car insurance.
groceries etc - $500 (this includes all consumables. paper supplies, dog food, shampoo, school supplies, and eating out) This may be really high.....
credit card bills: $600 (this includes $2500 in medical bills. in the last 9 months i have had mono, a poloyp with suspicious looking cells that started with an ER visit and ended with surgical removal and pathology and will result in biopsies of every surrounding area up my vingingo before the year is out. $$$$$$$ but you can't not do it, and I crashed on an alpine slide and had to go to the ER for rays. Thank God nothing was broken.....except the bank.) Also since he has not paid child support we have been making up the gap with credit card. I also have a rental property that my tenants trashed. I put it on my credit card but now won't be able to finish the repairs and probably won't have it done in time to rent it in Oct. And last week my dd kicked my laptop and ruined it. So I had to buy a new one. It was the only way to stay in touch with my boyfriend in europe and run my etsy shop. it is my one luxury and connection to the outside world.
$60 internet. robbery.
phones: $60 a month. That is one real cell and two tracphones. No home phone. My kids are in three different schools. I have phone insurance because ...well...lets just say it is the best investment I have ever made. Me and my 5th cell phone in a year....insurance...good. We do not have a home phone so I like for the girls to have cells. especially since they have to go to their dads so often.
gas/electric/water/garbage - $175 tops. We are moving into a cheap phase thank goodness. It will probably be closer to $100 this month. Maybe even less. No AC, no heater, no watering the garden. I love fall!
savings - $75 a month but to be honest it mostly just gets pulled out right away.
clothes etc- $80 a month. this includes good shoes (I work on my feet), work clothes for me, winter coats, and nice enough clothes (nothing too fancy but nothing they have to be ashamed of. I grew up ashamed....)
incidentals $100 (candles at church, tithing when I do it, gifts, sports, allowance, band, field trips, lunch money, treats, pet care, oil changes....everything else)
I contribute to my 401K and Roth IRA at a full amount (about $150 a month) and i am so far behind (expecting my husband to be a real man and take care of his wife and family) I refuse to contribute less. I will only have enough for 10 years as it is. My insurances (health, dental, disability, and life run about $15 a month. a steal...if it were not for that $2500 deductable).
wages after tax and deductions - $1500 a month.
alimony when I get it is $500
child support when I get it is $950
if I can get the rental up and going it will be $650 but do not get that right now. And need to put about $1000 more into it.
So you can see the problem. I was so close to being out of debt I could taste it. Then one thing after another. I can't even come close on $1500 a month. There is no amount of cutting I can do.
So when you are this screwed what can you do? I have a garden with cucumbers and tomatoes. We will be eating a lot of those. Not a lot of other stuff in there. A taste of this and a taste of that. I work as a manager at a starbucks. They will not let us put a tip cup out :-( once my car is paid off it will run forever. and it gets pretty good gas mileage. If I sold it i would take a loss because of the accidents. One was my fault (I was trying to drive myself to the Dr, with mono...) and the other was someone else's fault. Doesn't matter whose fault it was, it is a ding on your cars report.
and by the way, There are four of us. Me and my three girls 15, 11 and 8. 15 year old needs to get a job but she struggles in school and need extra time for tutoring and she has to help with the child care around here. She can contribute a bit maybe. cover her clothes and fun with friends. i work full time managing a starbucks. I can't really take a second job. I barely find time to parent as it is. I knit for pennies on etsy. It actually saves me money to not rent my place to bad renters. The last tenants did so much damage Iit will never recover. They took a chunk out of the foundation. Plus we have a huge mouse problem because of them. I have a dog but she is our protector (german shepherd mix, she is a pansy but puts on a good growly face. remember we live in a horrible neighborhood) and a cat (who catches on average 4 mice a week. She earns her keep.). I am not getting rid of the pets.
I need to go apply for emergency food stamps. Monday. But I also have to get to work at 4AM for inventory on Monday. It will probably be a 10 or 11 hour day. Then I will need to grab the wee kid and head to the office to beg. We may also qualify for free lunch but man, that stuff is so bad for them and the more poor we get the more weight my kids put on. I can't afford to keep buying ever larger clothes. ugh....I hate my life.
So right now. I got paid yesterday. I bought groceries and got caught up on last months gas and electric. I have $60 in the bank and my credit cards are as maxed as I can let them go without having a seizure. My house and car payment are due on the 5th.