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Stuck: So Now What.... Personal Finance Blog
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Stuck

September 30th, 2014 at 05:20 pm

I feel stuck. Stuck financially. Stuck physically. Stuck mentally. I know that I can work my way out of this, but I am really struggling. I have been using money to cope with bad days. I justify the spending somehow. Using my credit cards because I have overspent in my bank account. Buying groceries because I want to eat better, but its not budgeted for or planned. Buying "things" to make me feel better because I am having a bad day. These are all bad things. Suck it Up September didn't work for me. Frown I am in a bad situation right now. On Friday, after I am paid, I am over budget...in the red. And not just in theory. Like, I have spent more than I have. I will be short $155.09. If I do not make any payments towards my credit cards, I will only be short $43.09. Obviously, I cannot make credit card payments that are going to make me worse off. But that puts me even further behind on paying off my debt. I did pay off the personal loan. And before this hiccup, I was going to have CC #2 paid off 11/14. And CC #3 paid off 10/31. So I am just frustrated with myself. Frustrated because I am making bad choices.

5 Responses to “Stuck”

  1. CB in the City Says:

    I hear you, and I've been there!

    Keep taking baby steps if you can't take big ones. You will get through this.

  2. creditcardfree Says:

    Definitely don't send extra to credit cards if it puts you short for current spending NEEDS. Is there anything you bought that you could return? Any change or spare bills around that could help with the short fall? Any tasks you could do to make a little cash? Child or dog sit one day this week?

    I'm always pulling for you! I'm sorry you feel stuck. I would try to examine that, even professional help if needed. What can you do besides spending and eating that would make you feel happy?

  3. snafu Says:

    OK, we hear you. I'm so sorry things have gone awry when you've been focussed on fixing and certainly understand your frustration. Tomorrow is a brand new month and we're all here to cheer for every baby step forward. Give yourself credit for paying off your personal loan. Would you consider blogging more often? It might help to talk about ideas with a safe place to vent. Perhaps start with the list of what must be paid between you and DH like mortgage, utilities, cell, minimum for SL[s], CCs and side step groceries for the moment. Meals are whatever you choose from the garden, fridge, freezer and pantry quick inventory. Soup, stew, cassoulet, jambalaya, even casserole can all benefit from whatever's at hand.

    What you are buying is giving so little satisfaction, you may as well wrap an elastic around the cards and leave them in the fridge freezer! There is a ton of research that confirms it's impossible to buy yourself happiness. With autumn upon us, it's time to walk through our homes and de-clutter. I mean, have a walk through each room and see if there is stuff you no longer use, no longer need, in good condition that could be sold on local FB sale page, Kijijji or CraigsList. Do you have items you dislike that could be enjoyed by others? Bag it for Goodwill with a list for a tax deduction. I't's such a relief to reduce the amount of stuff to take care for. I constantly challenge myself to keep one drawer, one shelf, and most flat surfaces clear of stuff.

    There are such serious consequences of missing or late payment on CCs, can you eek out the minimum sums needed by due dates? Would you be willing to cancel some services like cable, land phone, or reduce cell features?

  4. scottish girl Says:

    You will get through this. Please blog more often so we can help you through October.

  5. rob62521 Says:

    Don't give up. Sometimes life is a standstill while you get your feet planted firmly so you can continue on.

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