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Dave Ramsey? Suze Orman? Who is the best for my situation?

October 17th, 2011 at 08:42 am

I haven't blogged for a while because I haven't had any money in my pocket for a few weeks. Every Monday, after my payday, I look at my bank statement and cringe. I have alot of bills that are due and past due, yet I spend my money during the weekend and justify my purchases at the time as " I deserve this" I have this mind set, that I don't have enough money to pay my bills, because I usually have two month balances or more, so I need to hang on to my money for the next two weeks, because gas and food are so expensive, and $100 doesn't go far with two tanks of gas at $36 and food, but then I end up spending the money I have and I haven't paid one bill. I am in over my head with a cell phone plan, a chapter 13 plan I'm three months behind on and my rent check bounced this month. I don't really know where to turn to get a grip on my pattern of money management. I hope someone can give me advise, because I'm not being responsible with my money. Frown

I got a 3% rasise!

August 7th, 2011 at 10:39 am

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.

What I earn in corporate America -

May 26th, 2011 at 01:06 pm

My finances:

Paycheck (every 2 weeks)
Salary $1192
Dental Ins. $23.64
Group Insurance $100.17
Vision Insurance $4.17
SS tax $44.69
Medicare $15.43
Federal Tax $27.17
State Tax $39.00
Life Ins. $6.18
401 (k) was $23.00 - I stopped contributions

Final Net Pay $931.55
Less automatic savings -$20.00
$911.55 x 2 = $1,823.10