Monday, January 4, 2010

Woe is me

It turns out that paying off debt is really hard - especially when you start a new payment plan a week after Christmas. My husband's paycheck was deposited into our account on the 1st of January. By the 2nd, we had paid all of our bills (a considerable portion of his check went directly to our credit card). When the dust had settled, we had a whooping $150 left over. That money needs to last us until the 15th. Oh shit! Maybe we are being a little too aggressive with our new budget.

I usually spend about $150 at the grocery store very week. And $50 more at Target. Fuckity, fuck, fuck. This is going to be hard. I know we can do it, but I am not looking forward to it. We are going to be eating lots of beans and rice over the next few months. And I am going to attempt to potty train both of my kids next week. That alone will save us at least $40 a month. I know Porgie is ready for this obstacle, but I am a little worried about Izzy. I have nothing to lose, so we are going to try anyways.

I know that every month won't be this hard. Due to Christmas spending, our checking account was practically empty when John's paycheck was deposited. That is not the norm. Next month will be better. But regardless, THIS month is going to be really tough. Be expecting lots of complaints and whining for the next 27 days.


Clare said...

Good Luck!!! That is a tough one, I guess you will eat all of your stocked up food. Maybe I need to do this too:)

kristi said...

I know my job is going away soon. I am already thinking about what cuts we can make. Hang in there!

Jenny said...

It is not easy...but I know you can do it. The month after Christmas is NEVER easy.
You can always make lots of pasta dishes and save some serious money at the grocery store.
Good Luck on the potty training! I am getting Will a little potty soon so we can start as well.

amanda said...

the good news? it's too effin cold outside to the leave the house - even for target. here's to staying inside and hunkering down!!

Heather @ boy, girl, and a pug said...

I hear ya! Budgets suck! Esp the month after Christmas! Good luck! You can do it. I know you can!

Eva said...

We did that last month--spent every cent of that paycheck. It sucked. This month I am trying not to buy anything. But not too hard--you should see my Lands' End shopping bag. But I need a new sweater! And that hat is on sale! I need a hat!

Carrie said...

I am so proud of you. How about putting a sign on your fridge reminding you of your Debt free 2011. Kinda like a campaign poster, to keep you motivated and Mind-full.

Good luck!

Mama Kalila said...

Sorry! And understood... Not fun.

misguided mommy said...

i feel ya sister. after we got out of our bk and thought we would be debt free rob had a surgery leaving us about 2000 in dr bills and we have a 2500 loan to his parents to help us buy his car ugg ugg ugg

right after the bk we paid off 1800 in med bills for me and they just keep rolling in.

i'm hoping we can save about 1000 a month after we get the med bills paid off. uggg

also, i hate pineapple upside down anything but those cupcakes up there are actually making me quite hungry