I have planned out how I will spend all my paychecks through December and plan to stick to the Budget. What I really am frustrated about is that I run out of my money right after my pay date. I have $20 going into savings and have accumulated $80 so I have a bit of money out there. But, after the main bills rent, bankruptcy payments, I sometimes don't have money to stretch the next fourteen days. I usually never have cash in my wallet or bank that is discretionary, and I'm really in trouble if my son want's after school money or a school related expense comes up. I've been living in the same rut for the last 13 years, after I had my son, I really didn't think I'd still be so strappd for money. I am going to apply for another part-time job. I want to try to sell some things around my apartment that aren't needed or not used, and I haven't had good luck on craigslist. I feel when I am writing this, that the blog community, thinks I am a real dumb mom, for this continual pattern that I have. I need more money and i'm sure the economy has a part in my money woe's. but, what if I didn't earn half of what I do now? How are other people out there surviving in this nation, today? My son just started 8th grade and if it wasn't for my mom, I would not of been able to buy new shoes or clothes, school supplies, school fee's, and lunch money. This year, I was approved for free and reduced meals at the school, so it seems my income may be below the state or national guidelines. Either I'm going to work two jobs for the rest of my life, or I need to get back to the nursing program asap so I can work my way out of this situation.
Archive for August, 2011
The last raise my company gave was in 2008, so now I make about 10.00 more each paycheck. I wrote my total amount of each paycheck that I will bring home and my new plane is to pay my chapter 13 and rent and everything else will have to follow. This week after my payments, I have 60.00 for the next 14 days. Fourteen days is not that long, really.
My plan was to get $34.00 in gas and then a 30.00 gift card from the grocery store, to ensure, I'd have gas money. I would have had 10.00 left. But, I went to wal-mart first and spend 20.00, then 10.00 to open my son his own savings account, which I've been needing to get started for his allowance. I put 7.00 in gas and I have and and a new phone charger for 15.00. The clothes are stacked up and need washed, I'm thinking of using my tub to get everything cleaned. I don't like dirty clothes sitting around. I have plenty of rice, beans, and canned food. I am find to eat what I have, but my 13-year old son is picky and thinks he can have fast food every day, which will not be the case. We'll see what happens in the days to come.