Like I stated before, after my health insurance, dental, 401k, and taxes come out of my paycheck, I really only earn 20k a year. That's about 1670.00 after taxes a month. I haven't had a raise going on two years in my industry ( commercial roofing). I am going postal on what I need and don't need.
Need
Rent
Gas for car
Electricity
to pay my chapter 13
Food
monthly prescriptions
phone (cancel verizon go with tracfone
pet food (cheap 1.99 litter)
Don't need
Digital cable TV package
Monthly cell phone bill/contract
Meats and extravagant meal ingredients
I just paid $225 for a cell phone bill for my son and I.
475.00 on electricity that was a few monts overdue
and a partial rent payment of $500.00
I have $20.00 till the next payday and I'll have to pay the a partial rent payment $500.00 and a $251.00 overdaft for the cell phone.
Living on what I earn
December 13th, 2010 at 07:39 pm
December 13th, 2010 at 07:45 pm 1292269501
If you trained to be an esthetician, do you expect you would earn more? Do you enjoy what you are doing right now?
December 14th, 2010 at 01:13 pm 1292332391
Also, in our area, our electric and gas providers have budget plans, where you pay the same amount every month. So, instead of paying extremely high bills in the winter, I pay the same amount throughout the year. They take a years worth of bills, total them up and divide by 12 and it gives you an estimate on a monthly budget plan. My electric is $130/month and my gas usage is $160/month. That way I know what I am budgeting for. You should get on this plan.
Just some suggestions.
December 20th, 2010 at 07:04 pm 1292871873
December 20th, 2010 at 11:56 pm 1292889419
January 2nd, 2011 at 10:29 pm 1294007343
Jerry
January 3rd, 2011 at 03:27 pm 1294068462