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Dumping Debt and Building Wealth with Dave Ramsey ~ May - Page 15

post #281 of 309
Heres our rough Budget May 30-June 13:

Mort: 1055
Food: 130
Gas: 50
Car Pmt: 270
Dog Reg: 50 (one time fee)
Eat out: 25
CC: 120
Blow/slush/play: 55

$$ to car savings/snowball: $155

not much really but i should be weaned of the credit card now so i will be able to put a good chunk towards debt now. i was useing the credit card ALL the time instead of debit so its like making a double payment but i've been able to "transfer" the use back to debit card....just explaining that i WASN"T useing the credit card to go back into debt! lol.

my careful plans: from now until the 13th we have a "family day" picnic to attend which i SHOULD be able to pay for with my grocery money but i do have extra wiggle room with slush fund but i hope i can blow that on fun stuff!

i still haven't spent our stim. check. i do have some plans though.
swingset $250
backyard shade $300
hose, hose reel, misc small stuff $50
i have coupons, gift cards and big lots to help keep that as low as possible though..heres to hopeing anyways. leaves about $600 to keep for car snowball.

which means we have $2600 saved to go towards our car loan ($8k or so left).
post #282 of 309
I am really upset right now. Like crying hysterically, shaking kind of upset.

I am doing my best to pay this debt off. Most of it is medical debt from me. And I feel bad that my DH has to be stuck with this, but he knew before he married me, so I feel like he had the chance to leave me. I have a lot of medical problems, and I know they are my fault. I am just tired of him telling me that he does not want to pay the bills, then when I do them all he keeps asking over and over again about it. We only get paid every two weeks, I mean, the status really doesn't change that fast.

I have nothing. My car is a piece of crap, it almost did not pass inspection. I will be shocked if it does next time. We live in a crappy, run down rented house that my MIL describes as a slum. We don't have cable, internet (my dad pays for limited dial up, which is why I can get online) or cell phones. I don't get my hair cut, I can't go out to dinner, we really don't have anything. I already work 70 hours a week, I can't see how anyone can expect me to work anymore than that My husband paycheck has ridiculous amounts of money sucked out of it for the medical insurance that I pretty much have to have because of my medical problems. Where does our money go? A heck of a lot of it to the dang insurance.

And I am sorry to whine, I really am. But I just feel like I am going to be punished for this for the rest of my life and it is not fair. I do not like talking about it every other day. I don't like saying it outloud. It hurts me to do that The only thing I have going for me is that I can now pay my medical bills with cash instead of putting them on credit.

I have $19,000 in student loans in a field that is useless here. And it makes me mad because I am embarassed that I work for $6 an hour, but I do. That is the best job I could get here. DH does not want to move, so don't make me feel guilty for not having a better job.

I am doing the best that I can and I feel so bad right now I just feel so alone and miserable and depressed All I do is go to work and clean the house. I don't think that I deserve to have any fun, because I can't afford to have any fun, but I also don't feel that I should have to carry this guilt around all of the time. It is making me physically sick
post #283 of 309
I'm not sure where I stand on the baby steps. I sat down last Friday to talk to STBXH about the finances and it ended up in this huge thing where we are getting divorced (this divorce isn't about our financial situation, STBXH is/was verbally abusive and I'm just done living with that). This will eat up our emergency fund because he's moving into an apartment on the first. On the plus side we're getting gazelle intense about eliminating our community debt.

STBXH has sold off almost all of his belongings to put towards debt and I'm trying to sell of anything I think I wont need and that I can get money for. All the furniture I inherited and am not willing to sell, so that just leaves too small baby clothes, books, and my clothes that don't fit. I'm holding a yard sale this weekend but I'm not expecting to get much.

I'm not sure where I am going to stand on the job front because we can't afford our nanny and STBXH and I own part of the company we're working for (which we were planning on selling as of July 15th). Things are so topsy turvy right now.


Quote:
Originally Posted by ~*Jaime View Post
I am doing the best that I can and I feel so bad right now I just feel so alone and miserable and depressed All I do is go to work and clean the house. I don't think that I deserve to have any fun, because I can't afford to have any fun, but I also don't feel that I should have to carry this guilt around all of the time. It is making me physically sick
I just wanted to give you a big ol'
post #284 of 309
Well I went over the budget and the only thing else I can get rid of is the landline phone. I have it so that I can talk to my parents and because my Dad pays for our dial up. I hesitate to do this because our cell phones are prepaid with very little minutes, so it is not like I can use my cell phone. And the internet is the only contact I have with people. I pretty much just work and come home. The internet connection at my job is going to be off soon for good, so I wont have access to the internet any other way.

But I suppose I should give the phone line up and that it is selfish that I don't want to. So I guess I am going to have to struggle over that and pray over that for now.


QUOTE=althara;11348166]I'm not sure where I stand on the baby steps. I sat down last Friday to talk to STBXH about the finances and it ended up in this huge thing where we are getting divorced (this divorce isn't about our financial situation, STBXH is/was verbally abusive and I'm just done living with that). This will eat up our emergency fund because he's moving into an apartment on the first. On the plus side we're getting gazelle intense about eliminating our community debt.

STBXH has sold off almost all of his belongings to put towards debt and I'm trying to sell of anything I think I wont need and that I can get money for. All the furniture I inherited and am not willing to sell, so that just leaves too small baby clothes, books, and my clothes that don't fit. I'm holding a yard sale this weekend but I'm not expecting to get much.

I'm not sure where I am going to stand on the job front because we can't afford our nanny and STBXH and I own part of the company we're working for (which we were planning on selling as of July 15th). Things are so topsy turvy right now.
[/QUOTE]


I work with abused women and I am glad that you are getting out of that bad situation It is very hard for most women I work with to make that choice, so I know it can't be easy for you.

I hope that you have a good turn out at your yard sale
post #285 of 309
Thread Starter 
Jaime
post #286 of 309
Thread Starter 
Here's an article on the envelope system for paying non-bill items:
http://www.daveramsey.com/etc/cms/in...ContentID=3461
post #287 of 309
Jaime. I sincerly think you need to keep your landline phone. For your pleasure and your safety. You have sacrificed to much to get to where you are now! I have times where I feel so down that things are not going any faster than they are, but we will both be debt free someday. Think about where you are not compared to where you were when you started this journey! You are way better off than just being able to pay your medical bills with cash. You have paid off lots of debt, and you will pay off more! I do think you are selling yourself short if you think the only job you can get pays $6/hr., but I understand how you feel I've been there myself. Just try to focus on what you have accomlished and the good news you got this week about your blood pressure.

althara, I hope your yard sale goes wonderfully.

I am really frustrated with how our snowball seems to be going. We are really taking a hit with the rising gas costs and are spending way more of food than I thought we should, too. I am hoping to do better in both categories next month.
post #288 of 309
Quote:
Originally Posted by phathui5 View Post
Here's an article on the envelope system for paying non-bill items:
http://www.daveramsey.com/etc/cms/in...ContentID=3461
Thanks, I'll take a look at that.

I finally faced my finances last night. I have most of the receipts entered (need to get a few from DH) and paid the bills; the phone bills will be late by a few days, but I went ahead and set them up to pay automatically. I've hesitated to do this because the amounts vary a bit month to month, but they've been late so many times now that I'm done. So now, pretty much everything is being paid automatically.
Also, the grocery bill is out of control again. I'm goign to do another pantry challenge for June. So sick of it. I spent $800 on groceries in May, and that's not counting eating out. Our freezer and pantry are full, so yeah. I'm also going to look into the no-spend challenge, but I dont' see that happening....
Quote:
Originally Posted by bc1995 View Post
Jaime. I sincerly think you need to keep your landline phone. For your pleasure and your safety. You have sacrificed to much to get to where you are now! I have times where I feel so down that things are not going any faster than they are, but we will both be debt free someday. Think about where you are not compared to where you were when you started this journey! You are way better off than just being able to pay your medical bills with cash. You have paid off lots of debt, and you will pay off more! I do think you are selling yourself short if you think the only job you can get pays $6/hr., but I understand how you feel I've been there myself. Just try to focus on what you have accomlished and the good news you got this week about your blood pressure.
I tend to agree about the phone line. If I remember correctly you live in BFE, WV. You're already so cut off just because of the hours you work. I'm not sure what advice to give you though. May I ask what your degree is in?
What is your forecast for paying off your debt? May I ask how much of your income goes to debt at the mo'? I'm just wondering if you can try to look forward to that extra money when your debt-free.

Our situation isn't as dire as yours, but I get you on your medical debt. I've been looking at what I spend for treatments and I'm frustrated: chiropractor (back), acupuncture (back, fertility), yoga (I consider this an alternative therapy cuz it REALLY does help my back; also fertility), podiatrist (corn, bunion), supplements (fertility, back, sinuses/allergies)... So yeah, nothing as catastrophic as your blood pressure and all, but the back problem is very limiting, and the fertility issue is depressing, and yeah, I'm feeling a bit down about that.

I hope the morning light has made you feel a little better.
post #289 of 309
I have about $10,000 left over on my medical bills. I was stupid and put them on a credit card- I know, I should not have done that, I should have worked something out with the doctors/hospital. But I was young and dumb and now I am paying interest on it. And I put every last cent left over in to debt. Usually at least $800 a month. Sometimes more. I could do a lot more but my current medical bills that I get on a monthly basis take money from the snowball. It is not as bad now that I am not having sky high BP, but my doctor wants to start testing me for PCOS and basically I am putting that off right now. I just can't handle more bills at this time.


I have my degree in Elementary Education, K-6. There aren't any teaching jobs in my area. I was on the sub list for a while, but when you sub you are home more often than you work, plus gas prices, yikes, I can't imagine driving 50 + miles to these little schools out in the middle of nowhere. So I work at the domestic violence shelter. I like my job, but I don't make any money. I made more per hour as a Nanny, however, with the overtime I get it equals out in the end, so that is why I stayed. We really just want to pay these bills off so we can have children and I can SAH. But then I have all of these problems with my cycle, etc, so I think, great, more money to spend trying to even get pregnant in the first place.

I am a real Negative Nancy at the moment. My attitude sucks and I know I am tempting God to give me a serious reality check. So I am trying to stay positive. Last night I was just.. done. I just couldn't deal with it.
post #290 of 309
Quote:
Originally Posted by ~*Jaime View Post
I work with abused women and I am glad that you are getting out of that bad situation It is very hard for most women I work with to make that choice, so I know it can't be easy for you.

I hope that you have a good turn out at your yard sale
Quote:
Originally Posted by bc1995 View Post
althara, I hope your yard sale goes wonderfully.
Thanks you guys. I know I just dumped way TMI into this thread about my marriage.

So back to the topic at hand. I've got about $600 that I can probably use to rebuild the emergency fund after our separate finances are figured out. I figure I'll just try to get together $1000 as fast as I can.

I'm off to gather info about daycare centers so I can budget for that.
post #291 of 309
Quote:
Originally Posted by ~*Jaime View Post
I have about $10,000 left over on my medical bills. I was stupid and put them on a credit card- I know, I should not have done that, I should have worked something out with the doctors/hospital. But I was young and dumb and now I am paying interest on it. And I put every last cent left over in to debt. Usually at least $800 a month. Sometimes more.
So at that rate, in just over a year, you'll be done with the medical debt! I know it sounds like a long time, especially since it sounds like you've been at it for a while already, but think how far you've come, and how soon you'll be done with that part of your stress.

Quote:
I could do a lot more but my current medical bills that I get on a monthly basis take money from the snowball. It is not as bad now that I am not having sky high BP, but my doctor wants to start testing me for PCOS and basically I am putting that off right now. I just can't handle more bills at this time.
i agree that unless you're experience major problems from the suspected PCOS, that holding off is a good idea. You say you guys want to wait until the debt is cleared before TTC, so you have a little time. In the meantime, you can do all the natural things to regulate your hormones: continue your weight loss journey, exercise... I'm sure you know more about it than I do actually.


Quote:
I have my degree in Elementary Education, K-6. There aren't any teaching jobs in my area.
Really? wow, that's amazing. I'd think that area would be having a hard time getting qualified teachers. On the other hand, they may not have the budget for the # of teachers they really need. Could you do any tutoring? Curriculum design? It seems like the school I used to work at [my degree is early childhood and later ESOL; I taught K and later ESL] paid one-on-one assistants at least $9/hour. Course, you're way over-qualified...

Quote:
But then I have all of these problems with my cycle, etc, so I think, great, more money to spend trying to even get pregnant in the first place.
One step at a time. Worrying about it isn't going to help. And I speak from experience on that one, not out of pocket, yk. Stress can do whacky things to hormones. I think it's more important for you to focus on being teh healthiest you you can be, and start considering being healthy for 2 when the time comes.

post #292 of 309
*hugs Jaime*

Lots of good ideas about tutoring that Mama Rana mentioned. I also know that there are online tutoring sites that are hiring. However you'd need a high speed internet connection but it sounds like the funds from the tutoring could cover the HSI costs.

With your degree, you could also write on educational topics for websites, blogs, etc. You wouldn't need a high speed connection for that. I do freelance writing and it has really taken off, it has taken a little bit of time to build to this level but the overhead is basically zero (I invested in web sites, business cards, etc but that isn't required at all). If you want, you can PM me and I'll give you a whole host of web sites to look into. One of the sites I write for pays $15/article and the articles take at most 30 minutes (from starting to submitting for review). I'm doing 3/day right now from home on my own schedule.
post #293 of 309
Quote:
Originally Posted by FamilyFriendlyLife View Post
Would you mind sharing where you ended up finding the best laptop deal? I will be looking to purchase one soon from savings (very basic model), and am interested in hearing where others have found the best value.

TIA,
Kim
I'm sorry Kim that I haven't been on sooner to answer this question.... I saw it at work but can only read from there, not answer.

DH ended up getting his laptop at Best Buy. He is an IT guy so has a very specific set of requirements for what he wanted (memory, read/write capabilities... all kinds of stuff I don't understand.) He also runs Ubunto and Vista at the same time on this laptop which wasn't what he planned, but what he had to settle for at the time.

I honestly think the "big box" stores will give you the best prices on laptops but you must educate yourself on what you really need/want so you can accurately compare them. You also need to check if they come with software you need - if you have to buy software separately it may negate any price difference. Sometimes you can get open box or discontinued specials which can save money.

One other suggestion I have is if it is at all possible for the person who will be using the laptop to try one out first to see if they like the way the keyboard is set up. My hands are small so I can deal with smaller/tightly spaced keys but lots of guys (and women) have longer fingers and stumble over the keys if they are too close together. A laptop that is uncomfortable to type on is a poor purchase.

Laptops are a big expense so do lots of research and learn as much as you can before you buy. Definitely not something to buy on impulse.
post #294 of 309
Quote:
Originally Posted by FamilyFriendlyLife View Post
Would you mind sharing where you ended up finding the best laptop deal? I will be looking to purchase one soon from savings (very basic model), and am interested in hearing where others have found the best value.

TIA,
Kim
You don't mention where you are but if you are near a Fry's Electronics, you can pick up a lower end refurbished with a decent warranty for a decent price. Those are the types we buy for DH (he runs Linux and doesn't need a lot of graphics type stuff) and they run for about 2-3 years. We are heavy computer users though. Fry's website is outpost.com.
post #295 of 309
Quote:
Originally Posted by FamilyFriendlyLife View Post
Would you mind sharing where you ended up finding the best laptop deal? I will be looking to purchase one soon from savings (very basic model), and am interested in hearing where others have found the best value.

TIA,
Kim
there are a MILLION deals a day on laptops. i personally LOVE LOVE LOVE slickdeals.net (click on forums). the people there are INTENSE in their deal finding abilities and i never EVER buy anything electronic without searching there. i bought BOTH of my laptops from the deals posted there (first one was a craptop toshiba for $400ish and this one is a viao for $700). i think your BEST bet would be to find out what requirements are NEED then want then like and you can set up an automatic search to alert you anytime a thread is started that match your critera. FWIW the best times to buy are thanksgiving (online is NO worry about crowds) and xmas deals. GL!
post #296 of 309
Quote:
Originally Posted by ~*Jaime View Post
I am really upset right now. Like crying hysterically, shaking kind of upset.

I am doing my best to pay this debt off. Most of it is medical debt from me. And I feel bad that my DH has to be stuck with this, but he knew before he married me, so I feel like he had the chance to leave me. I have a lot of medical problems, and I know they are my fault. I am just tired of him telling me that he does not want to pay the bills, then when I do them all he keeps asking over and over again about it. We only get paid every two weeks, I mean, the status really doesn't change that fast.

I have nothing. My car is a piece of crap, it almost did not pass inspection. I will be shocked if it does next time. We live in a crappy, run down rented house that my MIL describes as a slum. We don't have cable, internet (my dad pays for limited dial up, which is why I can get online) or cell phones. I don't get my hair cut, I can't go out to dinner, we really don't have anything. I already work 70 hours a week, I can't see how anyone can expect me to work anymore than that My husband paycheck has ridiculous amounts of money sucked out of it for the medical insurance that I pretty much have to have because of my medical problems. Where does our money go? A heck of a lot of it to the dang insurance.

And I am sorry to whine, I really am. But I just feel like I am going to be punished for this for the rest of my life and it is not fair. I do not like talking about it every other day. I don't like saying it outloud. It hurts me to do that The only thing I have going for me is that I can now pay my medical bills with cash instead of putting them on credit.

I have $19,000 in student loans in a field that is useless here. And it makes me mad because I am embarassed that I work for $6 an hour, but I do. That is the best job I could get here. DH does not want to move, so don't make me feel guilty for not having a better job.

I am doing the best that I can and I feel so bad right now I just feel so alone and miserable and depressed All I do is go to work and clean the house. I don't think that I deserve to have any fun, because I can't afford to have any fun, but I also don't feel that I should have to carry this guilt around all of the time. It is making me physically sick

s s s I am so sorry...I had some medical problems in the past and pay HUGE amounts of money for med insurance since I am on guarnteed issue (then have issues with them not paying the claims I feel your pain and hope things get better. Can you work on letting go of the guilt?...sometimes I feel bad that my medical issues cost so much money too...but we are worth it!!! Plus, you are paying off debt and it sounds like you are getting healthier too...things are at least moving in the right direction even if it feels bad right now. s

(PS--If you ever want to chat about health issues I am totally here for you. I was able to overcome some big problems with diet and supplements. Doctors did not do anything for me.)

Bless you,
Jen
post #297 of 309
Jaime, sorry your feel discouraged right now


I am done w/ babystep 1 again
post #298 of 309
Jaime -

I know what the job situation's like over there
I PM'd you.

Hang in there!
post #299 of 309
Jaime, I hope you're feeling a bit better. I wanted to clarify something I wrote, re the tutoring or other suggestions. You made a comment that you work 70 hours, and no one could expect you to do more, and I agree, and wanted to make sure you realized I meant the tutoring, etc. instead of the overtime [if that's possible].
post #300 of 309
Thread Starter 
Jaime,

Was there a reason you guys can't move? With a teaching degree, you'd be very much in demand here in Baltimore (and in a lot of other places).
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