So it's been a long while since I've updated here and Dean one of my good friends from the TMMO chat mentioned it tonight in chat so I thought I would come in and give a quick update to ya'll.
We've been working hard on getting going on this TMMO again. Seems like everytime we get going something happens again and we fall back behind. I just started a new job at Yellowbook and I LOVE IT! I really thought that by doing this it would help us out a lot and so far it's not looking good.
Here's what I posted tonight on the TMMO forums about my budget:
Rent $550.00
Van $445.99 (upside down on & have tried everything to sell lol)
gas/elec $150.00
Water $45.00
Cable $46.00
Cell/Internet $140.00 (no landline and in contract)
Trash $25.00
Insurance $109.00
Daycare $320.00 (currently applying for help with this)
Personal loan: $145.00 (a few more payment left)
Groceries: $250.00
Gas vehicles $300.00
Combined monthly income: $2640.00
Here's the scoop, the van is currently a month behind and June's payment is right around the corner. The personal loan should've been paid off this month but with late charges and interest that have accumulated from being late over and over I now owe around $250.00 on it and then it will be paid off. Our BEF is gone due to our car needing some repairs not too long ago and my van currently needs new tires BAD..the 2 front tires are way past the wear mark and it scares me to even drive it but I have to get to my new job. I did currently up our income quite a bit and we sold our house in a short sale to rent again at more than 1/2 less of what our mortgage was so we should be getting ahead and get the ball rolling but we aren't.
So leave me your tips I'm open to hearing ANYTHING right now lol
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11 comments:
I hope your situation has improved. I know it can be tough
Sorry for your pain. I've been there. When I was in debt I cut out the cell phone and the cable. I rented videos from the library and dropped the cell phone for a disposable phone from Best Buy. I also had to take on extra work. I gave up a car and started riding the bike over 20 miles a day. I also called the creditors to let them know I was having problems and paid them minimal agreed upon amounts for 6 months. I feel your pain.
Please know it will end. I did it- so can you. It is possible.
I'm actually posting a series about how I did it on my new blog this week.
Lots of positive energy to you.
Sorry, I almost forgot. The series will be posted at:
www.thecommonsenseclearinghouse.com
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