Almost no money left after bills :(

posted 3 years ago in Money
Post # 3
Member
493 posts
Helper bee
  • Wedding: July 2013

If you have cable – cut it! If you can live without your cell phones (people did for a LONNNGGGG time), get a landline. Can you start walking to places instead of driving (use less gas). Get the coupon section in the newspaper. Turn off every light you don’t NEED.

Everyone starts out at the same place — low on the totem pole. Don’t fret. Things WILL get better because you want them to. As long as you’re working towards a goal, your life is not that bad!!! Think of all the people living in those section 8 homes that are complacent in their positions. 

You can do it! Don’t give up.

Post # 4
Member
457 posts
Helper bee
  • Wedding: April 2014

Your budget is tight because of your house payment? Or because of the wedding?

I can definitely empathize with you, but I don’t know if I can sympathize, because as long as you can pay your bills, that’s all that matters. Unless it’s costing you to not be able to save for your wedding? Things are not that bad if you can pay your bills.

And within my county, I probably live in the 2nd to worst area to live, and I’m sure there’s a whole bunch of section 8 apartments nearby mine. And I’ve been personally robbed in my apartment.

And I have a car loan, a student loan, high car insurance payment…

My last couple months of paychecks have been all worthless because they all went to bills and none to my wedding budget. 🙁

I don’t feel like I failed or bad about it. It just is what it is right now. There’s nothing I can really complain about. My apartment is decent, got a car, got a smartphone, got a fiance, got a dog, got a job. 

Post # 5
Member
2807 posts
Sugar bee
  • Wedding: July 2013

@Stace126:  I hear you but having a house is great your payments are going toward equity instead of rent.

I did graduate but due to the economy and my lack of contacts I have been unable to secure a full time job since then and its been 3 years.  While I do earn good money while I’m working the work goes away and I have to start over again.  Its super frustrating.  We all do what we can.

I say figure out why your having these feeling pinpoint it.  Write it out if you have to.  Once you figure out the actual reason for feeling the way you do then you can focus on fixing the issue and hopefully make yourself feel better.

Post # 6
Member
9137 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

@MrsSanchizel:  You stole the advice right off of my keyboard!  Anything that is not required to live to pay the next set of bills can be cut.  We cut cable months ago and while we miss a show here or there, we don’t miss the $100+ per month we are saving by only having internet, HUlu, and Netflix.  Also, pack your lunches everyday so you can control how much you are spending for lunch.  $5 (or $10) here and there adds up fast; so does coffee from Starbucks so brew your own at home or the office.  Is it feasible to walk to work or take the bus/train?  Both are usually much cheaper than spending money on gas and maintenance on a vehicle.  It’s less convenient but definitely cheaper.  Turning up your A/C unit by a few degrees can also save money (this also works by turning down your heater in cooler climates.)

Unfortunately houses are way more expensive than you realize until you actually buy one.  This is why my FI and I have zero desire to buy any time soon, even when we have kids.  I bought a house when I was married to my ex husband and it was nothing more than a money pit.  It provides stability because you are F-ing stuck in the god-damn thing.  Sorry for the rant.

You and your FI need to sit down with your income and expenses and figure out where you can cut to make living there more comfortable.

Post # 7
Member
318 posts
Helper bee
  • Wedding: December 2018

 Why  did you buy a house if you couldn’t  afford to live or save?  I’m not trying to be mean.  What happens when something happens to your house, cars, one of you gets sick? I know a lot of people want to own a home but if you can barely afford to feed yourself, it’s not a  good decision.  well, nothing you can change about that now.  Can either one off you get a second job?  Can you sell the house and move into an apartment?

Post # 8
Member
7531 posts
Bumble Beekeeper

Don’t fret.  There are sooo many people that are much worse off.  Just keep doing the best that you can.  

Post # 9
Member
860 posts
Busy bee
  • Wedding: October 2013

I don’t want to make assumptions about your lifestyle and budget but I’d say cut what you can.  In terms of food, cook everything.  I don’t agree with the coupon advice because most coupons are for packaged items (mostly unhealthy).  Shop at the perimeter of the store for produce, bulk items and meats.  

 

http://www.getrichslowly.org/blog is a good personal finance blog.

Post # 10
Member
2546 posts
Sugar bee
  • Wedding: April 2013

if you write up here your budget, maybe we can help you with specific advice so you can save!

Post # 11
Hostess
7630 posts
Bumble Beekeeper
  • Wedding: January 2013

I think things can get better since you’re going to have the wedding and your FI’s car payment off your back. Like others have said, you may be able to cut somewhere. For example, I go to the grocery store later in the evening to get fresh foods and meats marked down 50-75%. 

Post # 12
Member
248 posts
Helper bee
  • Wedding: August 2013

@CARA1978:  Could not agree more. I made all my food and my guests loved it. I had a grilled cheese bar and 8 signature salads with a ton of cut fruit and veggies. I had a dessert bar with a smores bar as well. Be creative, you could be amazed what you can do. 

@Cara1978 you nailed it. Cook all your food. She just bought a home. Hold reception in the backyard. So many ways to cut costs and still make it beautiful.

Post # 13
Member
860 posts
Busy bee
  • Wedding: October 2013

@SnowBunny420:  Oh, I didn’t mean cooking all the food for the wedding, I mean for budgeting; life in general.  Though I love to cook, it think it would be extremely stressful (for me) to cook for my own wedding.  Yikes!

With it being this close, I doubt the OP could renege on a contract without it costing them a lot of money.

Post # 14
Member
248 posts
Helper bee
  • Wedding: August 2013

I had close friends make 1 awesome salad. I had 10 women help with my food, it worked out great. But yes it can be very stressful.

Post # 15
Member
247 posts
Helper bee
  • Wedding: June 2013

HUGS! You should not feel like trash! You have a house and that is great! $1,000 is not a lot to put on your credit cards. It sucks that you can’t pay for the whole wedding right off the bat, but it’s not the end of the world and it won’t take forever to pay that off. And there is always a nicer, better neighborhood that you can live in. Don’t put so much pressure on yourself – you could always be making more money, have a more glamorous job, have a fancier house, etc. You’re getting married to the love of your life soon and that’s amazing!!

I agree, post your budget and let us help you figure out ways you can save more or spend less! There are lots of very money savy bees on here!

Post # 16
Member
115 posts
Blushing bee

Hey! So, you managed to buy a house, move out of your parents, plan a wedding, pay for a wedding, and are making ends meet? You are building equity, you are self-sufficient, you are getting married to someone (i assume!) who loves you very much and is willing to go through this struggle with you, and what you have to do now, is just keep moving up.

A lot of people are not able to do the things that you are accomplishing now, hell, you weren’t that long ago either! I get wanting to be in a better area, but for now, recognize that a lot of the folks in your neighbourhood are just regular people trying to make it work, and there are a few people making a bad name for them. What positivity are you bringing to your neighbourhood? 

Its hard and its a struggle, but look how far you’ve come, and so look how far you are going to go. Be kind to yourself, take pride in your accomplishments, and if you find ways of improving, try it out.

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