I’ve been doing a lot of thinking about the direction my life is headed. I’ve been feeling very out of control and in need of a bit of structure. Part of that structure includes getting control of our family budget. This was supposed to be the month that I tightened things up and started paying a bit more attention to exactly where that money is going. I’ve been trying really hard to cut down on my spending (no laughing mom!) because I’m the one that does the shopping and always ends up picking up way more than what is on the list. Yes, I admit to having a problem with that. Shopping is my escape when everything else in life gets me down.
Just after I made the conscious decision to do this, all kinds of unexpected expenses popped up. First, there was the cracked windshield. I didn’t see that as a huge deal, but something that will have to be dealt with eventually. Then, there was the A/C going out in my car. We paid $100 for a fix that only worked for two days before it gave out again. It can wait until Spring/early Summer before it has to be fixed, but it still makes me angry. Next, my radar detector was stolen and I got a ticket the next day. The radar detector is a must-have item for me. Buying a new one is most likely less expensive than the tickets I will rack up without it.
That’s three pretty major unexpected expenses in a short period of time, but that’s not all! Anyone want to know what happened this weekend? Our basement drain backed up and our washer broke all in one day. The drain isn’t a huge issue because we don’t own the house. My boss (and landlord) will foot the bill for that one but the washer? That’s one heck of an unexpected expense and one that can’t really wait. With a baby in the house I do laundry nearly every day and I don’t have time to go to a laundromat. We haven’t decided whether to try to get the washer fixed (only about 6 yrs old) or to just buy a new one. I’m guessing a repair bill would be at least half of what a new one would cost anyway and maybe more depending on parts/labor.
We do have a little bit of money back in savings but I was planning to use a little of that for a weekend trip we have coming up (where I’ll finally get to meet my almost 1-year-old niece!) and the rest was being saved up for taxes. I’m just tired of never having enough money to go around. I’m tired of living on credit cards and being in debt. Every time I have the slightest hope of being able to crawl out from this mess we’re in something else happens.
I’m just hoping and praying that nothing else major happens for a while so we can try (once again) to get caught up.
I hear you Sistah!!! OMG we are in the same boat- seeming like we are always struggling to get out heads above water. The disk I promised is on it’s way, and I’m throwing in a little bonus- the documentary “Maxed Out”.
Getting onto Dave Ramsey’s seven baby steps has been challenging so far but I can’t wait to see the results. The struggle to stay on the budget is far less hellish than constantly being short of cash and wondering where it all went.
you’d only read about that, but its always the way, the day I lent my radar detector to a friend, was the day I got my first ticket!
We know a good second-hand appliance guy who has affordable washers and dryers, and he guarantees them for six months. He’s come in handy a lot of times for us.
I think the whole world is in the same boat as you financially.
I know what you mean about the washer. It’s so expensive to repair, and even more expensive to replace. Any doubts there’s a major economic crisis? People like you and me and others are the proof.
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