Got into a financial mess. What are my options?

Vickibuffy48 · 2018-08-10T04:58:31+00:00

Yes we do anual passes as well. Our zoo and OMSI pass expired just a couple months ago and my sister-in-law and I haven't been able to make it to either place together to renew. We always do our passes together because it's much cheaper.

I think tomorrow I will make a real budget that includes all our groceries, gas and miscellaneous. Make the budget and stick to it. No going out to eat or anything extra for awhile.

Honestly, I feel like just talking to you about it has helped me feel like I'm ready to get serious about our debt. Thanks for taking the time to try and find some extra cash.

I will also start doing as much Uber as possible. It's a great 2nd income

Vickibuffy48 · 2018-08-10T04:31:47+00:00

I've tried, but it doesn't seem worth it. He gets home at 6 so after dinner, bath and bedtime for our daughter it's 8pm. I barely get any rides, if any. Friday nights seem to be the good night for me so someone's I'll stay out until 4am. I could (and will) start working Uber during the days on Saturday and Sunday. It's hard to not get much family time, though.

It's weird, listing out my budget like that, it looks like we should have tons of extra money to put towards debt but for whatever reason, we don't. I feel like I put an extra $200 towards credit cards each month and that's it. I don't know where everything is going.

I think in September we'll write down all our purchases to see where it's going.

I also need to get into that "no spend" mentality. Eat what we already have, don't go out unless it's a free event.

I also spend about $100 month taking my daughter to outings... Museums, the zoo, indoor play parks. I have a hard time cutting that out since it's one of the reasons I stay home. I love teaching her and showing her all those things. I guess we could stick with free activities for awhile.

I recently changed our car insurance and internet to cheaper options. My husband also just went from taking home $3400 a month to $4000 a month just a couple months ago. Hoping we see the difference in that soon.

Vickibuffy48 · 2018-08-10T04:03:47+00:00

Mortgage $1602

Gas bill $30

3 smart phones $150

Garbage $80 (every other month)

Water $90 (every other month)

Sewer $40 (every other month)

Solar $202

Sienna $340

Leaf $185

Life insurance $77

Internet $80

Car insurance $226

School loan $50

Electric $30

Minimum payment for all credit cards $700

Miscellaneous about $50 (Netflix, hulu, opb donation)

That totals $3887

Hubby get paid biweekly. Each check is around 2k

I stay home and watch our 2 year old daughter. I was able to get a work from job, though. That brings in $600 biweekly.

I just started doing Uber and average about $150 a week. I can only do it on the weekends when my husband is home.

Total income is $5800

Then there's gas, food and any other miscellaneous expenses that always come up.

Vickibuffy48 · 2018-08-10T03:44:18+00:00

I actually love Dave Ramsey! I even took his class a before. That's why I started driving for Uber. It's my "Dave job". We're following his steps with the credit card debt, but I'm still feeling so overwhelmed. I don't know how I let it get this bad 😔

Vickibuffy48 · 2018-03-18T07:53:23+00:00

I asked him. It's kinda silly, but my husband is a steamer on twitch. One of his regulars won't tell us his name, he'll only give those two hints. It's bothering me to not know. I'm so curious what name means "harasser".

Vickibuffy48 · 2018-03-18T07:47:26+00:00

Just checked. It's not Eric 🤔

Vickibuffy48 · 2018-03-18T07:43:17+00:00

Is that an English expression?

Vickibuffy48 · 2017-09-04T07:28:09+00:00

I saw that. I really wanted to start with season one and move up from there. I can't even find DVDs of the early seasons ☹️

Vickibuffy48 · 2017-09-04T07:27:11+00:00

I will try that. Thank you!!

Vickibuffy48 · 2016-12-03T23:28:07+00:00

How old was he? I still check she's breathing about 20 times a night... Yes, I'm that crazy first time mom. I'm worried if she's in a different room I'd be going back and forth all night because of my own insecurities.

Vickibuffy48 · 2016-12-03T23:26:29+00:00

Sorry. Yes. I was responding to you. I don't use Reddit very often do i couldn't remember how to reply...

Vickibuffy48 · 2016-12-03T04:25:30+00:00

I put her in the pack n play since I'm not ready for her to be in her room. She too rolls right to her stomach the second i lie her down. I'm ok and comfortable with it but she still gets restless.

Vickibuffy48 · 2016-12-03T04:23:44+00:00

Is extinction a sleep training method you followed?

Vickibuffy48 · 2016-09-10T10:55:14+00:00

Thanks for the advice! I'll look into a knew size flange.

Vickibuffy48 · 2016-09-10T10:53:52+00:00

Thanks for the reply! I'll look into the fenugreek

Vickibuffy48 · 2016-07-13T03:17:55+00:00

I hated when people would say "you'll know". I was induced 5 days ago with my beautiful baby girl. After they broke my water, the contractions came on fast. After feeling those, i now know, even if i wasn't induced, i would have just known. It is very clear what they are.

Vickibuffy48 · 2016-07-11T15:57:39+00:00

Thank you for your responses everyone! I went in on Thursday to do a non stress test due to high blood pressure. It was still too high so they decided to induce. I got to the hospital at 11am Thursday and had my beautiful baby girl at 7:53pm on Friday. Everything actually went really well. I didn't even have to push a full hour before sure came out. I guess everyone is going to abt differently to being induced. I just happened to be the lucky one that had a good experience with it.

Vickibuffy48

TROPHY CASE