Post # 1
- Wedding: July 2014 - Prague
Ok, just a wee vent/rant.
How is it that I am broke EVERY month by the middle of the month? Why is there always some random, expensive thing that needs paying (vet, medicine, flights, et.)!??????
Why is every darn thing so expensive? When does it end? I’m too old for this.
Pout, stomp, pout.
Ok, rant over. I should probably delete this; it’s so pathetic. But I am stressed, Bees. Stressed.
Post # 3
I hear you….. I am not so bad but this is what it is like for my SO who I live with. We are now sticking to a harsh budget and I am kind of getting a kick out of not spending money. I know how hard it is though. i have no idea what you do but could you work more hours / get a second job? Just a suggestion. I have been working full time and also working a part time job for the last 5 years to get through these shitty situations like you mention. Chin up.
Post # 4
aww I can relate. Life is hard when you are struggling to stay a float!
Post # 5
- Wedding: April 2014 - Rebar
@prahajess: I completely relate. 🙁
Post # 6
Yikes, I agree. Had to have a heart to heart with myself this very month because I’ve been so stressed I’ve been doing a bit of credit card “shop therapy”. Not awesome when you still have school loans to finish 😛
Just doing my best to budget myself and reward myself for saving when I can. Perhaps start saving for emergencies? Every month definitely has something happen, and a bit extra may help you get through those times. Just a thought and good luck!!
Post # 7
this is coming from someone who is good with money, who makes a decent amount of it and that is a budget freak. I AM ALWAYS POOR LATELY TOO!!! Like idk if its because this time of year I just have more to buy (thanksgiving dinner stuff to entertain, christmas gifts, etc) or that I was a moron and decided to do all kinds of household projects before winter settles in and that’s costing me (hello new windows!) idk. I just don’t know. I do a budget and then something stupid comes up and i’m like “oh I can do that, no biggie” and then all of a sudden we are poor for the last 3-4 days before pay day. We have savings but that’s like our emergency fund that I refuse to touch unless I ABSOLUTELY have to. It just sucks to not be comfortable at the moment. DH sucks with money. We are on decent ground but I am someone who is used to having plenty of disposable income. Oh stardust you want that $300 dollar purse? buy it, no problem. Oh stardust, you want to take a weekend trip to vegas? sure, go ahead! you got this! …. yea… not so much anymore.
Post # 8
@prahajess: Can you get a tutoring job? I make $90/week tutoring privately, and that extra money REALLY helps me feel like I’m not just making ends meet.
Post # 9
@prahajess: The same thing used to happen to me!
I just made a budget on a spreadsheet, then sat down and figured out which bills I can lower or eliminate. I switche dto a cheaper cell phone carrier, I never had cable to begin with but the company was raising my internet rates so I called and bitched until I got a discount (lol)
I switched car insurance companies too. There were just so many bills that I just kept paying and didn’t really give attention to. So I started shopping around for cheaper companies for the same service. Literally nothing has changed, my insurance is the same just like $100/month cheaper, my internet is actually BETTER for the same price it was before they raised it, and my phone carrier is $100/mo less and I use the same OS on my phone, and the same service towers so it’s the same signal strength everywhere.
I eliminated my gym membership to work out at home too…
Post # 10
Welcome to adulthood, you’re not alone.
Post # 11
@prahajess: I feel you, girl. I’m broke every month.
After bills, I literally have NOTHING left.
Post # 12
Me too! I feel like every year we say “well we are broke this year” its not just this year – its every damn year. I have started really tracking our spending and i buy just about well nothing. And still even when i expect to have a good amount of money left over to like get this dang credit card paid off theres always something that comes up – medical bills, car bills, vet bills… you name it. its so frustrating!
Post # 13
Thankfully I can say that I have a little bit of money each month after bills and putting money aside for savings, but I doubt it’s going to be like that starting next month. SO and I are trying to quickly pay down credit card debt. We dont have an overwhelming amount, but even the $2,500 we do have is going to take forever to pay down. SO graduated six months ago, so we are going to have to find $250 each month to put towards student loans starting on December. Even though it sucks not having tons of dispensable income I still feel pretty fortunate that we are able to pay our bills.
Post # 14
SOOOOOOOOOOOO not pathetic girl. I’m with you right there!! Nothing like $6000 obligations coming up the year before my wedding!! How can you save if you keep having to pay?? I’ts not a stupid rant. I like knowing i’m not alone!
Post # 15
Same here! I am trying to get better but it is HARD!
Post # 16
Haha girl, I hear you. We are grad students in NYC…. soooo broke. I just had to tell my BFF that I wanted to not exchange birthday gifts this year because we just can’t afford it with Christmas gifts and traveling. It stinks.
When we combined finances a few months ago, we got serious about budgeting/saving. We paid off our CCs and started building an emergency fund.
When we started being really strict with our budget, FI really struggled (and I did somewhat too). He just kept saying–well, this month is just a weird month, we had extra expense X. Can’t we make it up next month?
And I kept telling him, Hon, there’s extra expense X, Y, or Z every month. This month is not special. And now, 6 months-ish in, he gets it. He actually just texted me and said he spent $2.38 on groceries but thinks we’re good on groceries until Thursday, lol.
We make all of our budget categories more than they really NEED to be, so that there’s always a little left over to pay for those extra surprise expenses. But yeah, it’s really hard to get ahead.