Tuesday, October 1, 2013

$$$

Just a bit of venting......

I really need a money manager. Or a lack of money manager. I'm horrible at finances and before it even comes in its headed out the door and sometimes that is beyond frustrating. I need a budget and I just find it so hard to follow one of those when things are as tight as they are. When you don't have it you don't spend it but when things come up you just don't have a choice. I can't not live and so sometimes things get pushed to the side. I've screwed up our bank account, again! Our new bank apparently doesn't find it a need to notify you of your mistakes and will just allow you to keep making mistakes and going into the negative, it's a "courtesy" they call it. No cut off when you make a mistake and head into the negative. No letter, no call, just charges out the wazoo!!!! I'm so stressed and yet there's nothing I can do. Kick myself and feel stupid and just hope it doesn't take the rest of the year to catch back up. God takes care of us and I feel I just keep screwing it up. He supplies our needs and I'm suppose to be smart enough to manage everything and yet I don't. I get so distracted with day to day things and then my dislike for starring at a screen that tells me where I'm lacking just doesn't draw my attention. Bills bills bills we all have them and the majority of us our in debt and struggle. I know I need to just trust God to take care of us and put it in his hands but I also need to use my head and stop being stupid with what he has given us....time to buckle down and start saying it's okay to stay home and not do anything. Start realizing that my son doesn't need the extras. I try saving, I coupon, yard sale, don't buy new. I skip the dentist and eye visits. We eat out once a week. I try to make everything home made to save there. We have a great life and I thought we weren't spending extra on pointless things but looking out our Quicken account, we obviously need to change something. Nothings cheap and if you don't make an over abundance in a paycheck, it's tight, most of us know how that is. It just stinks sometimes and I need to vent it out. We said when we moved we wouldn't get internet and tv and we did anyways cause we got a decent monthly price but maybe that needs to go anyways. I don't know anymore. Where else to cut costs, where else to save. Thankfully God has provided work for me the end of this week and I'm SO incredibly thankful for that. I'm not the only one in this boat, most of us are. I just wish I new where to help things get better, where to cut back. More then anything I just need to trust God, stay on top of my bank account and that's all I can do. And Make sure I'm using my head!!! 

6 comments:

  1. Indeed, trust God! Easier said than done sometimes but stress is meaningless. Ha! I wish I could think that way when I am stressed. I should take my own advice. LOL! I am sorry you are in this boat. Its a tough situation to be in. But yes, it happens to us all. Life will go on and all will be ok. Just figure out what you are spending on things you don't necessarily need and work from that. You are a very creative lady so use your genius mind and come up with free things to do with Trent and as a family too. You can do it! It will be much more fun that way too. Something you can be proud of. I hope your bank issues don't ruin your day. We are given challenges to strengthen us, so don't let them tear you down. Its life. Here is a great song for you. I love this.

    Darryl Worley-Sounds Like Life To Me

    http://youtu.be/Geg6_-3jPzI

    ReplyDelete
  2. If your not good at keeping track of the checkbook, then maybe that could be Steve's job. Instead of beating yourself up each time it isn't balanced, see if it would be better for him to do it. Won't make lack of money any different but at least you wouldn't be spending what you do have on bank charges. We cut back on our cable, and may decide to cut back even more. I use my internet every day and wouldn't give that up, not when family is far away and this is one way to keep in touch. You are doing all you can to save money, my goodness you freeze, can, make your own cleaning products, don't be so hard on yourself. Things always work out, do your best to cut out the unnecessary spending and go from there. We all are in the same boat. You can do this.

    ReplyDelete
  3. I would love Steve to take over our banking but he defly wouldn't be good at it. I bought Quicken Software thinking it would help. And it does unless my minds distracted and I don't take care of it like I should, or even simply glance at it. My main problem is simply that. I figure there's no money so why look and then things like this happen. Just stupidity really!! A month ago Steve had off a week and I was here at my parents for work and our job got cancelled. It totally screwed us! And when you get in the hole and already don't have money it's like a never ending darkness trying to see a way back out. I feel I try to save every where we can. Don't get me wrong we spend when we shouldn't as well. I say well I'm saving here so I can spend here but we just can't even do that. I'm really trying to coupon and save more but....I don't know.Steve makes good money, I thought, and yet we never get a head and that can be so discouraging. You get behind on bills and can't ever get a head cause its not there. I guess this is exactly why two people need to work. I just have no desire to work and put Trent in Daycare. I'll make minimum wage, half will go to Daycare and then I'll miss out on all that time with Trent. Selfish I guess. If I'm not willing to sacrifice and work should I even complain???? God is good and I'm trying to focus on that instead of this. I know God just wants me to fully trust him with our finances. I just wanna stop screwing up in the process!!!

    ReplyDelete
    Replies
    1. I must add that if you don't NEED to work then don't. Time with your young son is well more important than having extra money to spend. Especially if you can make ends meet with one income. Its not worth it to miss out on time with Trent. He is young and you will regret it if you do work and its not crucial. So point being, you are NOT being selfish by not working. You are being the complete opposite for sure. Selfless! You are a great Momma. Keep it up! Just come up with a detailed budget on everything you will need. If you think it would be better to do it by the week then do it or go monthly if that will work for you. And two people do not always NEED to work, unless they have too many expenses. Try cutting back on the unnecessary things and budget budget budget. You can do this!

      Delete
  4. I am there right with you. I know how frustrating banking can be. Just trust in the Lord and he will make everything alright. I been thinking of you and your problem and just hope everything turns around for you. Love Ya Bunches.

    ReplyDelete
  5. You can't change the past, only the future. When you get home do your best to keep up with the banking and it will all work out. Trust,trust,trust in The Lord and he will direct your path. <3

    ReplyDelete