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I have returned....even messier

December 28th, 2015 at 08:32 pm

I disappeared from SA again. I have been gone several months and I am returning in worse shape.

I'm not going to bore you with the details, but I will update my numbers.

To make matters worse, I will technically be 190.07 in the red after I get paid on Thursday. I will not be out of the red until 01/22. I have $200 in the account that I am holding for an expense. So as long as I don't take that out, I won't physically go in the red.

The good news, nothing is behind.

I do not have anything I can return. I have $20 in cash that I have already figured in. I am have really reduced everything I can for now.

Yuck.

8 Responses to “I have returned....even messier”

  1. Ima saver Says:

    Hope things get better!

  2. crazyliblady Says:

    Oh, no. Can you work any overtime or get a part time job to pay it off? Do you have any family who could help you?

  3. rachel021406 Says:

    I don't know that I can fit another job in. I work full time and also do all of the paperwork for our business. I think things will get better if I just really focus on the budget and pay any extra I can as I can. Everyone is always so supportive on here. I almost hate to say that I am still messing up. I'll get on track again.

  4. creditcardfree Says:

    Try not to feel bad because that really doesn't do anyone any good. The goal is to move forward and make good choices. Some here on the blogs are doing a no spend January. I think I'm attempting one in February. Of course money will be spent, but only on needs. Do you have the cash for groceries, pay for fuel in your car to get to work and utilities? Those are your very first priorities...then mortgage. Make sure you are only spending on needs!! Extras for gifts, birthdays, wants are just not an option from what you have said.

  5. My English Castle Says:

    I agree with CCF. Anything extra around that you could sell on Craigslist or on a FB list to give yourself a little extra? Do some planning--menus, schedules, and some forward thinking.

  6. crazyliblady Says:

    One thing I do if we are in a bind that way is to do an inventory of all the cupboards, fridge, freezer, garden, etc. and see what meals I can make out of what we already have. Having that information helps to lessen some of the stress because often I can make quite a few meals that way.

    Also, if you do any surveys and other online money making activities, do you have any points you can cash in? Or rebates at a place like mrrebates?

  7. rachel021406 Says:

    With the budget, I will be back in the black on 01/22. I have money budgeted for all of the basics and debt repayment. And I posted today how I have a Walmart e-card I can put towards groceries, but I shouldn't have to buy much. After the 22nd, I have money each week to go towards debt. I do have money budgeted each month for gifts or other occasions. But if I can cut my utilities and groceries, I can apply that money to debt. I think I will be ok if I can just get to the 22nd!!

  8. creditcardfree Says:

    Just a thought thought...if you also spend less on gifts, entertainment and other wants you will get out of debt even faster. Good luck reducing the groceries and utilities in the mean time. Smile

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