Thursday, September 27, 2007

Jeez...back on square one. Again.

I really REALLY wish I could understand why I can't get it through my head that it's not good to spend all our money.

Last month, we were doing so well, until we were hit with the car repair and computer crash. Then, it's like we lost all control. Our savings went from over $700 to under $100 in about 6 days.

And we haven't felt on top of things ever since.

I still feel behind. I just updated all our bills, etc in Quicken, and we have $300 to last us until payday (Oct 20th). We got paid a week ago. It's all gone. And, even worse...we haven't paid the cable or cell phone yet.

So, basically, we're screwed. $300 for groceries and gas for 4 more weeks, plus an "I have no clue where we'll get the money" hole to pay for the cable and cell phone. We could use the cc if we can't get it together. That is a triple whammy - (1) we add to the never-ending cc balance, (2) we lose the momentum we were slowly gaining, and (3) it will increase our min payment next month.

Plus, I put this off for so long that I had to pay a rush payment for the cc ($15) or face a late payment ($45). Totally my fault, still not cool.

I feel so constantly behind the 8 ball. I have no clue why this, and food, I can't get under any type of control. I'm sure Dr. Phil would have a field day with me.

I haven't met any of my goals for Sept (see earlier post). None. not one. I have a giant ebay pile, which is gathering dust. I've worked here and there on it, but work has been extremely stressful and I just haven't had the energy to come down here to work on getting things posted.

Man, I'm in a really "feel sorry for myself" mood, aren't I?


I guess I just need to head off to the tub for a (hopefully) relaxing soak, and go to bed.

But I really just feel like curling up and crying. I'm so frustrated and sick of all the money crap.


paidtwice said...

Many many hugs. Truly, I have been there. I have. Many many times.

The only thing that worked for me was making the credit cards not an option. It was VERY tough. There were days it made me cry. A lot. But the only way I started making forward progress was to remove credit from the picture as an option at all.

You can do it. You can. believe that you can.

Jennifer said...

Hi Kris. Glad to see you back posting. Sorry that this has been a difficult month. I haven't met many of my goals this month either. At least your problems are coming from "Murphy" visiting. I have no excuse except complete lack of self control. Hang in there. Things will get better. We're all rooting for you. Hugs - Jen. :)

Heather said...

Dh and I are trying to get rid of some newly accumulated debt. It is hard as I am kind of "I want it gone now" opposed to later mode.

We were doing so well and then "Surprise!" We were tripled wammied lol.

Hang in there :)