i'm a pretty open book. i will tell you anything from how my recent poop went to how you look in that dress. (if you sincerely want to know) there's only one topic i will not be truthful about, to myself or you. finances. i guess by admitting the state of my affairs openly, that is the first step to being accountable. okay. this will be the toughest thing i've had to do. it is embarrassing. ugly. sick. and makes me feel reduced to the size of a pea. however, this same topic is the bane of my existence. it is always nagging in my head. the bills are littered all over my floor and my desk i'm sitting in front of as we speak. i simply.. do not. know how to get out of the hole i'm in.
i work two jobs. at job number one, i make significantly less than job number two. however, i work the job as a three-year-old teacher for experience i need and the hours for my internship for school. i work there roughly 35-40 hours a week. three days a week i work at my other job make really "decent" money however, i only work about fifteen hours so my check is never enough to live on.
my child and i are on my insurance through job number two. we have good rx coverage and even medical coverage however, luke has been very sick during his short life so the bills continue to pile up.
ok. so the run down.
get paid weekly between 2 jobs.
job 1- 400 bi weekly = 800 monthly.
job 2- 150 bi weekly = 300 monthly = 1100 monthly.
car payment (one month behind)= 400 monthly.
gas to and from both jobs= 160 monthly.
food on the go (due to working 7a-midnight)- 120 monthly.
groceries= 50-100 monthly. (mom buys the food, i get milk and stuff for luke)
= 780 monthly.
this is without stuff like: clothes, shoes, fun stuff to do with luke, things i buy for art projects for my school, etc. still, i should have some money. this is where i am accountable. i inherited my dad's money sense. or cents. which is none. we spend. the second it reaches my hand, it will start burning and it will be gone. on what? mcdonalds because i can't cook and my child is begging, a shirt i don't need, dollar stuff that adds up.. etc. whhhyyy?? it is my addiction. how do i make it stop?
so, rather than actually paying my bills, i spend the money on the fun stuff. this is why in my short life i have been served papers because someone is suing me. talk about terrified.
now, my medical bills for luke are over 5k at this point. all way past due. i owe my physicians roughly 300-500.. like i said, my car payment needs to be paid.. 800. i have two old credit cards i haven't used in years. that's 800. i need to buy pictures.. 60. student loan in deferment.. 3k.. with that rising to nearly 20k at this point.. borrowed money... 1k. what else? .. i'm sure there is more. seriously? ugh.
the point is. i'm not writing this for sympathy. get mad at me. shake your heads!! i need help! i need tips! how do i make myself stop buying the shirt and make a payment on a bill? .. what do i do? i've read the dave ramsey theory. i love it. i even bought cute envelopes for my "system". see? why do i need cute envelopes? ugh. anyway, i can't seem to get caught up to do the envelopes. how do i establish an emergency fund when i have nothing left over?
i'm so stressed out.