Monday, October 1, 2012

Financial Update

Here it is Oct. 1st. I have not posted too many financial updates, because I have been behind on everything for some time now.

I am currently all caught up on:
Car Insurance
House Insurance

I am behind on:
$200 Water bill (this is like for 4 months)
$160 Phone/Cable/Internet (this is 2 months behind)

My debt is higher than it was, but all monthly payments are current:
$700 Mastercard
$400 Kohl's
$1,000 Amazon

I have had to ask my church and family for help to get the stuff that I caught up on. It is very humbling and frustrating; but for July & Aug. I received no child support from Jason's dad, which really impacted my budget.

The Mastercard was used for Lady's grooming and unexpected vet bills and medicine as she was sick last month. I also had to fix a van that was given to me and register and get plates for it; all went on the Mastercard.

I should be able to pay all my regular monthly bills this month. I will not have any extra to throw at past due water and phone/cable/internet bills, but I should be able to make one full payment to each, avoiding shut off on those items. (By the way I am required to have a home phone for in home daycare, or I would just cancel it completely.) Hopefully Oct. will not have any emergencies that once again blow my budget (we have had so many in past 6 months with sewer backing up into house, multiple car repairs, Lady getting sick, and so on.)

I am so thankful for my family and church for helping me from falling off the edge. I am so blessed.

How is your budget?


p.s. I know that I should have an emergency fund. I did at one point, but it is all depleted. Right now, even though I work over 40 hours 6 days a week, at numerous in home and out of the home jobs my income is only just about my bills. Their is barely money for our needs, let alone wants. Praying for no more emergencies for now is the best I can do.

p.p.s. I just paid my entire past due water bill. Now the only past due bill I have is my cable/phone/internet bill which is $160 (since it is 2 months behind.) Praise the Lord!!!


Becky said...

Your phone/cable/internet still seems high. Have you thought about canceling cable? Also, we just called our internet complaining about how expensive it was and they admitted they have really basic cable internet for $10/month. It's supposedly really slow, but we can't even tell the difference from when we were paying $40!!!
Good luck - I know you work hard!

Becky R said...

I am behind 2 months of this bill. It is $80 a month for all 3, just for home phone it was $50. I wanted just phone and internet, but that was going to be $100 a month, so I got the package. I called Verizon, dish, and Cablevision to get the best price and this was it. I didn't even want cable but for $20 less a month than just internet and phone it made sense.

Becky R said...

I have to have a home phone as a requirement for my in home daycare (I am licensed through the state.)

Becky said...

Sounds like you've done your research and looked into all your options :) Have you looked into Magic Jack or something like that or isn't that allowed?