I have received mail from several credit card companies saying that I am about to go under.
I have set up payment plans for them, with one, I can even get my card active again once paying down my balance.
One plan is $30 a month for 6 months.
The other plan is pay $20 now so that they don't charge the account off and when I get my money from selling my land, pay off a settlement of $450.
That works for me. Why would the credit card company tell me that if I pay $20 every three months that they could never do anything against me.
What about all that interest and late fees that you tack on??!!
Also, I would like to add $.92 to my challenge money before the month is up. I found more change on the ground at work.

For the last two weeks I have done nothing but school. Today, Friday the 13th, I get to work tonight. And it is an early call so I should get an extra hour or so. This starts a few weeks of working that I have not had for a while. You don't know how depressing it is to pick up your bi-weekly check and see five hours on it. Last Monday's check was okay, for 28 hours, but that is for two weeks. This is my lucky day and many more work hours are to come. After finals, I can work all day, except for the weekends, where my children have little league baseball. That still leaves my Saturday nights open to work, and that is when most events are anyway.
DH has been asked to start working overtime soon, and I will be pushing towards it. Now, I know that I will be doing extra around the house to make him happy when he gets home, when I am tired from working, but he makes twice what I do and works twice as hard. I can make that sacrifice.

Finals are next week and I couldn't be more thrilled. I am doing great in my classes and I am looking forward to a week out of school.
I do wish I were working more often. Right now, I can barely pay the rent, with DH making $15.00 per hour.
That is sad. For 4 years, I made everything happen for $6.50-$8.00 per hour, and that includes all food and extras that were purchased in that time. I am a little resentful that DH has money in his pocket now, while that whole time and now I have nothing but change.
He does know that it is rough and I am not working as much now, but he doesn't think that he should have to give all his money to the family. I know you need gas money, I know you want to buy lunch with the guys at Dick's Bodacious Bar-B-Que, but that isn't fair to me or the children. I didn't have "spending money" forever. I still don't and that is why my credit cards look the way they do. I have put my foot down and refuse to borrow any money from my mother or grandmother. I think that he will have to exhaust his parents and family the way I have mine.
With him working so much and making twice what I did, why are things so hard? What is happening that I didn't see before?
I'll make it, I just don't want to stress anymore.

I haven't been posting for a week or less, and my money is slipping away. Ever so slowly, I am not accountable for my money actions, so, I don't think about it.
I don't have to tally up anything on My Balances Page, so there's nothing to worry about right?
I wish I had maybe been writing it down, saving more receipts or something. But no, I didn't want to stick to budget or stop spending.
I will slap my wrist and get back into it.
I hope that I do not have to go the library to post next week. I let my bill go and they canceled by cable, and my cable modem. That'll teach me to slack off, won't it?

I haven't posted for a day or two as I am busy finishing up school work. Finals are next week so all of my big projects are due this week.
I am looking forward to spring break now.
I don't have any money to speak of, as I got my paycheck on Monday, and it is down to $15 today, Wednesday.
I must put money away for a trip this summer, but I don't know where it will come from.
I also am taking a road trip Friday with family, and I have no money but gas money right now.
If I spend it all in gas, what will I eat? Will I have the money to buy necessities?
I hope that I can make my money stretch.

I fell victim to the "I'm lazies"!
We had two parent teachers conferences tonight, got out sorta late, and I ordered food in. I didn't want to, but I also didn't want to cook. My kitchen hates me. I know I need to get over this. It is killing my budjet.

I was told that he was just going to do a simple oil change on my car. Now I am paying for two more parts for over $40 a piece. I wanted to pay rent. If my car breaks down and I can't work, I can't pay rent. I see his reasoning, but really, so close to the due date? I can't win.

I strolled into my work, the main office downtown, expecting a check, or something sort of like it. I heard that the computer was down, and they don't know how long it will be.
So, why don't you have the checks printed?
They don't know.
So, since I was late on getting my check, I don't get one? WRONG!
When will I get my check?
They don't know.
What do you know?

Silence.

If I was expecting any sort of real money on this check, I would be livid. I don't even think that I have hours on it.
The problem is that payroll isn't doing their job if checks were out at the beginning of the week, when I don't get one since it is Thursday.
There is no excuse, computers or not. My check should have been printed with all the others.

I am getting my budget ready for the month. I don't know how we did it, but I figured out that with credit card payments, rent, gas, lights, phone, daycare, and basic needs like gas, cigarettes, and food.
I have gotten us to flat even. WOW!
It helped that I paid extra on credit cards last month and now my min. payment is down.
I think this site is the reason.
You are watching me. You are holding me to a common sense standard.
Thank you.
I have figured in my son's birthday, which is going to figure in a movie and popcorn. Great idea son!
I think this is going to be a good year, and it is really just starting.
If you think about it, we are going towards Christmas. I am not worried.
You are helping me and you don't even have to try!

Yesterday, I went to the bank.
I withdrew money from my checking account, as I want all my money to be in my saving account that I can stand.
I cannot spend more that I withdrew from the bank, as not many places will take a check anymore, and I have lost my debit card.
Thank You!!
I can no longer go out to eat, as that will take up all my money I just took out.
I also think this will help my splurge spending. I want no more of that happening.
I have to work again tonight, so I have to pay to park. That stinks, but it is only two bucks for downtown. I shouldn't ask for more.

Also, for not having my check card, I saved myself 13.00 at the grocery store, so I will add that to my challenge money. I never get to add anything.

Bad week for the family. My sons were sick all weekend, and then Mommy and Daddy were sick the next three days.
I will be feeling well enough to go to school tomorrow. I am upset that yesterday was my first absence. I had perfect attendence going, and now that is gone.
I also hope that nothing important happened while I was gone for two days.
Since Monday was a holiday and we don't have class on Fridays, tomorrow will be the only day I am going this week.

At least I was too sick to go anywhere and spend anything. I hear that gas went up though, and I know I will be needing to get some when I leave tomorrow.

Leaving a little comment on another debtors blog, I began to rant at will. I did not post that long thing, but wanted to get out my words anyway.

My mom yelled at me saying that I shouldn't be living off my refund, as that is never a guarantteed thing. I told her I knew. She doesn't know that I opened a CD with half of it.

She is also making me feel like her boyfriends daughter. When she lived one state away, they always talked about what a loser she was, how good I was to be working and rasing two kids.

Now the daughter not only lives in this state, but in the other half of the double house I live in. What fun.
She has let her gas and light bills go outrageous. She had no gas heat for 6 months. Her father paid the bill. Her lights were shut off; her dad paid the bill. She got fired from her job; her dad paid her phone bill.

I got a disconect bill from the gas co. for $90.41. I was shocked. You are really gonna turn my heat off in the middle of winter, with my two kids inside. My mom went online, and paid my bill.
She made me feel like the slut next door.
I told her that, and she said there is no comparison.
I still feel bad though. I am going to college full time, working way less hours than I should, and she is a bartender at a resturant. She shouldn't have to pay for me anymore.
Not that I don't appreciate the help.

When I moved in this house, she paid the deposit. I had a months rent, but not double that. Mom said that I was her only child and that when I need her, she was there and not to pay her back.

Then when the slut moved in next door, my mom paid her deposit.
What the hell?!

Thanks for letting me vent.
Sorry I almost hijacked someones blog.

We had a fight this morning. It was about money. My BD has been working and making all of the money for the last five months. Good for him. Finally. He is upset that all of his money goes to bills. I was making half what he is, paying all the bills and still found money to take care of the two childrens wants and needs.

His problem is that his past is catching up to him. He can no longer run from it. My past caught up with me after one year and now I am swimming in debt. I have some major situations that I have not devulged to this site. He is mad that I will not pay for his mistake. I am sorry, but I work two days a week, making almost half per hour as him and go to school full time. I go to and take care of all school and daycare things. He only sees the money half. I put my all into the family, not just making the paycheck.

Why must money be such a big issue?
I hate it.

I did my e-file last night. It cost me $10.55, but it is definitely worth it. It should only take 14 days for my funds to be electronically deposited.
Woo Hoo!
I will not be just paying off my credit cards with it either. I owe my Grandma too much money. I also want to pay at least one months rent ahead. I got my job back last week, so there is more money I haven't had. I hope I make more money this year. Deer Creek will open up and I'll work every weekend.
It makes me look forward to next years tax refund.

I don't even want to embarass myself about my taxes and how little I made last year. So I won't.

As I sit here with my Quicken 2008, I am balancing my check book. Why haven't I written down everytime I use my check card? Isn't that supposed to be an automatic? I can't help it. I save the reciepts, but that doesn't count, since when they start to crowd me, I toss them.

I will learn my lesson and get the hang of it. I hate being the adult.