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Is it me or what?????

August 24th, 2011 at 08:45 am

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.

5 Responses to “Is it me or what?????”

  1. ThriftoRama Says:

    Please don't beat yourself up. You aren't alone, even if you feel that way now. I don't know much about your day to say situation, but sometimes all we can do is keep plugging away.

    But, if things just never seem to go right and you aren't getting to where you want to be financially or personally, you might have to start thinking about why that is happening on a very deep and personal level. My late zen philosophy teacher used to say "stupidity is doing the same thing over again and expecting different results."

    Only after much thought was I able to identify that pattern at work in my own life. After 13 years, what are you doing over and over again that isn't working? Would nursing school be a gateway to a meaningful change?

    Selling things around the house might be a good short-term solution, but it might be time to look for longer term solutions. Eventually, you will run out of things to sell.

    I recently had two children, and I will say it's been very hard to earn money since they were born. Children have a real cost and an opportunity cost. I know it's hard. Keep your chin up. Don't give up, and start really looking for solutions.

    The bloggers and the forums on this site have been incredibly inspiring to me, and I hope they will to you as well.

  2. North Georgia Gal Says:

    I agree with Thrift...don't beat yourself up. I was in the same position as you and only recently have I been able to pull myself out of it. And only then because my parents are paying my mortgage and utility bills. Sometimes I feel worthless because of that but I know that they love me and want me to succeed...as I am sure your mother wants for you. It takes baby steps to make changes. Something that helped me was getting realistic with my budget. I was leaving myself broke after paying the bills with no money left. That was unrealistic because I still had groceries and little things that came up. I added an expense to my budget for groceries and unexpected expenses. It has really helped me.

    Good luck with your journey, and don't forget to keep us updated!

  3. Miz Pat Says:

    If your income is that small, do you think you would be entitled to get food stamps? Don't think it shameful, many people are doing this to make ends meet and you certainly are working hard to take care of yourself. When I was first married and my husband was laid off, I got food stamps and being frugal, I was able to really stock up my pantry and eat like a king.

  4. LuckyRobin Says:

    No one here thinks you are dumb. We are here to support you. You are struggling, but you are trying. You wouldn't be blogging if you weren't trying.

  5. Jerry Says:

    In general, this is a pretty supportive online community, and the main thing is that your efforts lead to taking good care of yourself and your child. There are many things that can help with this. If you are looking for some insurance for your future, then that nursing degree could be a good option... that is a field that pays quite well and has significant demand. Good luck, you can do this!
    Jerry

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