I have always struggled with my finances and not having to live paycheck to paycheck. I have been going through a yearly cycle of having to pay off a high balance on one credit card. DH became unemployed Feb 25 this year, so I really have to make good changes to my spending habits. I don't belong to a gym, because i have 2 dogs i play with and walk daily. i go for walks at the nature center ($50/yr for family membership), i get videos from the public library for free. I ? if i "need" or "want" something. a want has to wait at least 1 week before i can consider purchasing it, especially since I have a tendency to find things in my home that has already been purchased and is the very thing i was "wanting". I borrow everything i can from the public library (books, dvd, cd, etc), so i don't have to buy them unless ABSOLUTELY necessary.
I would never talk to my BFF the way I talk to myself about my body.
I definitely need to be more frugal with my spending. Haven't been working on it as hard as I could be. I work and have a side business that I haven't really invested a great deal of effort into, just enought to keep it going. I know it could potentially be steady income for me but I would have to leave my full time job to get it to that place and I'm a little afraid to sacrifice the one to make the other work long range right now, it's just a little risky. Maybe in a few years I can devote all my time to it as opposed to a few hours a day and some weekends.
i completely understand... it is TOUGH!!! i am a consultant in a direct sales company... when sales went down, one of my fellow consultants started cleaning homes to make ends meet... is this something that would work for you? not necessarily cleaning, but what about odd jobs? what about trading services instead of purchasing them - like babysitting or dinner or errand running? just brainstorming a little bit... i traded some of the gift certificates for my candle business for getting my hair done a couple of times... that helped me a lot!
I haven't put anything on the cards. They are going down each month. I'm not spending extra. It is all going to pay bills. My son has to have vision therapy which is not covered by insurance. Plus he has had croup twice ended up in the hospital. Now I have to have a cervical biopsy. Just wandering where it will end. I haven't gotten my hair done or anything like that. Thanks for listening. I've been selling things to make ends meet also.
I have been struggling now for a couple of years... A vision finally popped into my head that was as clear as the blue sky!! STOP USING THOSE CARDS! I know it may be hard, but cut them up and literally do NOT use them ANY more! They drain the life out of you. For the past two years, I have lived 80% on cash! I only put on the card what can be paid off. I closed all except for one of my cards and have seen the balances on each of them go down slowly but surely... Meanwhile, it may take some sacrifice (i haven't gotten my nails done in two years, I have been to the beauty shop approximately 5x in two years), but it has been WELL worth it! (I have paid off several accounts, and am working on paying off one more by January!)
I feel like I can't get ahead. Just when I think things are getting better more stuff happens and more doctor bills come in. I haven't been able to pay for my meds . Does anyone have any suggestions? thanks, Kathy
It's always difficult to manage money when there are student loans involved. Don't feel you have to get a "membership at the gym" to be healthy. There are so many cheap options to exercise at home, or outside, or with hiking clubs and the like, free exercise DVDs at the public library. Good luck!
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I have always struggled with money and maybe that's because my mon was bad with money. But as time went on I've gotten a little better with money. It's kind of hard to eat healthy and get a membership at the gym when you have a limited income. But I'm slowly working on a plan to get my finances in control. And the first thing I'm going to do is consolidate my student loans and get a copy of my credit report. If anyone have any money saving tips or financial advice please feel free to let me know. All will be greatly appreciated and accepted as well.
"Without struggle, there can be no progress." ~~Frederick Douglass
"It's not that some people have will power and some don't. It's that some people are ready to change and others are not." ~~James Gordon~~
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