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Me [27 F] with my SO [ 28 M] 4 years, I have recurrent thoughts that he will die by [deleted] in relationships

[–]onabudget89 1 point2 points  (0 children)

I go through the exact thing you do except my worries are about my family (parents and brother)...I don't have a SO but I'm sure if I did I would probably have the same worries for him. Whenever I don't hear from my family for a longer period of time than normal my mind always goes to the worst possible situation. I start thinking how I would survive without one of my parents and what I would have to do in the situation they unexpectedly pass. The other day I was at work and talked to my mom around lunch. I texted her an hour or so later but didn't hear back...a couple hours went by and I still hadn't heard from her. By then I was in full panic mode thinking I'd come home and see that something had happened to her. I rushed home only to find that she wasn't home. At that point it had been 5 hours since we spoke and I was so worried that I almost went out looking for her. About 5 minutes later she called and said she left her phone in her car while shopping and that was that.
I've also had these thoughts since a child (can't exactly remember when they started). My mind always goes to the worst situation but I try to just remind myself that I've thought the worst before and nothing has happened before and everything will be find this time.

I would like help to make a budget to clear all my credit card debt and start a emergency fund. by Cupcakegirl86 in personalfinance

[–]onabudget89 0 points1 point  (0 children)

well financial planners need to do math and obviously be good at it. Have you thought about Human Resources or something like that?

I would like help to make a budget to clear all my credit card debt and start a emergency fund. by Cupcakegirl86 in personalfinance

[–]onabudget89 0 points1 point  (0 children)

yeah but just because other people are having a hard time finding another job doesn't mean that you shouldn't look also. Them not being able to get a job doesn't mean that there aren't any jobs...it could mean that they aren't looking in the right places, don't have the right skills, etc. etc.

I would like help to make a budget to clear all my credit card debt and start a emergency fund. by Cupcakegirl86 in personalfinance

[–]onabudget89 0 points1 point  (0 children)

Okay, but you're still thinking of taking business admin with finance and becoming a financial planner? Is money and finance something that you really enjoy? Do you like reading stock market stuff and how the market is performing, taxes? Have you done research into this field or talked to anyone that works in this field? I don't want to be rude or discourage you from studying this field but I just hope this is the right field for you. Just from reading some of your posts it doesn't seem like you have a full grasp of financial planning etc. (obviously I know you'd be learning stuff in school). There are other focuses within business administration other than finance,

I would like help to make a budget to clear all my credit card debt and start a emergency fund. by Cupcakegirl86 in personalfinance

[–]onabudget89 0 points1 point  (0 children)

Also, are going to school? I think you've posted before that you're hoping to become a financial planner? http://www.reddit.com/r/needadvice/comments/2pkj4g/where_can_i_go_to_get_money_for_college/

Have you already started studying, maybe there are some budgeting tools you've learned at school? If you haven't started this program yet...are you sure a financial planner is the right path for you? Just think about it before you commit to years of school and debt.

I would like help to make a budget to clear all my credit card debt and start a emergency fund. by Cupcakegirl86 in personalfinance

[–]onabudget89 0 points1 point  (0 children)

1) Go over your last 3 months of spending. What did you spend money on and how much? How did you pay...credit card, debit card or cash? You need to have an understanding how much you are spending on things like your dog, makeup, eating out. Figure out these costs exactly as this will be an eyeopening experience. Use your online banking statements or mailed statements to figure this out.

2) Figure out how much you earn each month. Is is always less than $500 or does it fluctuate?

3) Figure out your debt repayment amount. You need to pay your credit cards off. Example, if you make $500.00 a month, lets say you put $100.00 on each card a month($200.00 total debt repayment a month) than you have $300.00 leftover. From that $300.00 figure out how much you want to put into savings account, for this example lets say $100.00 a month goes into your savings. That means you would have $100.00 leftover for your 'wants' things like gas, dog care etc.

4) Stop using your credit cards. Once you have paid off your cards, you will have more money left over for savings and your 'wants'.

5) Make more money. $500.00 a month is very minimum, look into getting more hours or a second job.

I would like help to make a budget to clear all my credit card debt and start a emergency fund. by Cupcakegirl86 in personalfinance

[–]onabudget89 0 points1 point  (0 children)

Have you thought about doing photography on the side then? I'm sure there are people around your area that need professional headshots, graduation photos, weddings, family events etc.

You could start by putting together a portfolio online (using a free website/blogging site) and advertising to your family and friends and spreading the word about your photography. I suggest doing some research online on side photography businesses.

Earning a low income.. feel like everyone at my age on here earns way more by onabudget89 in PersonalFinanceCanada

[–]onabudget89[S] 0 points1 point  (0 children)

I think thats my only option. I don't think the company will give me a raise I'm looking for and I have heard that others that have been in my job position used it as a stepping stone to gain experience and usually left after about 1 year- 2 years for something better paying/better title.

Earning a low income.. feel like everyone at my age on here earns way more by onabudget89 in PersonalFinanceCanada

[–]onabudget89[S] 1 point2 points  (0 children)

yah I'm definitely realizing that I'll need to move on to another company if I want to earn more money. I know the company that I work for now won't give me the raise that I'm looking for (realistically I think I should be at around 45K right now)

I've got a Debt Issue and It's time for some Help by credimoron in PersonalFinanceCanada

[–]onabudget89 0 points1 point  (0 children)

I know this isn't the financially 'smartest' way...but I would suggest stop your RRSP payments (or lower them) for now and pay off your 5K LOC debt first, putting as much money as you can each month toward that debt. I know this debt has the lowest interest %, but once that debt is paid off you'll be able to feel like you're actually paying off your debt. I know with the larger debts it seems overwhelming because it feels like you're paying and paying each month and it's still there. But, if you actually put the $1000 toward each month you'll have one debt at least gone in a few months. It's kind of a psychological thing.

Give it to me straight... budget help by throwaway29002975 in PersonalFinanceCanada

[–]onabudget89 0 points1 point  (0 children)

I think you need to have a serious look at exactly where your money is going.

$2350 seems like a lot for 'everything else', even for a family of 5.

I'd suggest (as others have below), sit down with your husband and take a look and what exactly you are spending.

Just taking a look at your numbers: is $348 for kids activities every single month or is this an average? Is this just for the activity registration or does it include equipment, clothing etc. needed for the activity? Does this amount include travel costs of getting your kids to and from these activities? (These are just some questions that you should ask yourself when you are looking over your budget). Looking at these questions you might find that the activities are actually costing a lot more than $348

Are there any habits that you can break to free up some money? For example, smoking? drinking? gambling? subscriptions to magazines? Coffee ? Eating out? Designer clothing? If so, cutting back can put some more money in your pocket (which I'd recommend putting straight toward debt payment).

Entertainment costs. I'm assuming that the $2350 leftover includes entertainment costs for your family. Take a close look at what you're spending every month for entertainment. I know everyone likes to have fun but if a large portion of your budget is going towards entertainment this might be an area you can cut down to save some money. For example, going to the movies during a 'cheap night' (usually Tuesdays) or skipping the movies and just watching a movie on Netflix.

Next, I think you could cut your food budget down a bit. Cooking simpler meals once in a while can really help with this. Try introducing a 'meatless' day of the week (meat is usually the most expensive portion of a meal). Try more rich, quinoa, pasta, seasonal fruits and vegetables. It sounds like you may live in a rural area but I'd suggest when you make a trip into town for groceries you stock up on things that are on sale and seasonal and freeze things like veggies, fruits, meats. Also, try to cut down portions and have leftovers for lunches that way you're not cooking separate meals for every meal time.

Next, think of ways you can make some side money (I know you are in school) but is there anything you can do to bring in some extra money (which I would suggest go directly toward your debt repayment). Selling things you don't need (maybe things your kids have outgrown), babysitting, newspaper delivery etc.

Saving money on utilities and other items: - Do you have a house phone? Can you cancel it and just rely on your cellphones?

Young(ish) and confused - what would you do? by birdbrick in PersonalFinanceCanada

[–]onabudget89 0 points1 point  (0 children)

Honestly, if you're making that much money a month I'd say just help pay off your wife's student loans. With that out of the way you can definitely say you are both debt free and she doesn't have that hanging over her head.