Join Date: Feb 2007
Location: Probably at the thrift store
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I am trying to make a budget for next month and it is . I have not enough money and too many places to put it. Dental work to be done. Prescriptions that need refilling. A new for some new clothes. And endless endless credit card payments. I feel like giving up.
|I have not enough money and too many places to put it.|
I'm in the same boat. I've actually started a LIST of all the places where I need to put money (new car account, furniture account, home maintenance account, credit card repayment, emergency fund...etc. There's actually more than this...that is what is so depressing).
I don't have any money to actually PUT in these accounts, but at least I know where it needs to go when I get it.
I'm thinking in terms of slow and steady.
It is tough.
Grace, could you split up the 3 month supply and see if the dentist will let you pay it out?
I get a three month supply because it's discounted that way (three months for the price of two), so I want to order all at once. What I can do, I think, is put off some of the scripts I need to order. Things are not going to get much better in December (Christmas...), but at least I won't have a dentist bill then.
I think I have to pay the full amt. at the dentist, though. They were all excited, telling me what a great deal I was getting only paying $350. Maybe I'll put off getting the crown until after the New Year...
You all are a step ahead of me. I don't even mean saving categories, I mean stuff I need to buy either this or next month.
This is the list I have right now:
To joint account: $2,200
To dentist: $350
For prescriptions (3 month supply): $223
To credit cards (minimum) $200
To student loan: $257
Monthly take home pay? $3,297.51
That leaves me $67.51 for the month? And I need to buy some clothes? That's not gonna work.
Edited: I forgot $10.83 for gym dues and $16.95 for Weight Watchers, and my $100 automatic monthly withdrawal to savings. So now I am actually going into the month $60.26 in the red! GAH!!
Single mama to DD 10/18/03 and DS 9/15/05
Mom to DS(14), DS(12), DD(9), DS(6), DS (4), and DS(2)