peacefulgirl
DIS Veteran
- Joined
- Jul 11, 2004
Ok, what the heck did I do ???
Me and hubby are feeling some pain ! Time for a budget !
We have a house (got good price), 1 CC, I have 2 personal loans and 1 car payment.
We have GREAT credit and great jobs. We both do 401K's at work. He just opened a roth. We have small IRA's.
But we have no CASH! Not a penny ! No emergency fund! Yikes !
I am getting ready to go to work and I have no gas and not a dime to put some in. I will have to go find some change! This is pathetic!
I have always been the bill payer so it really is my fault here.
So last weekend, we decided a budget is needed and cuts!
We both gave up buying coffee on the way to work. His biggest concern was "darn, no Mary-Lou's, how am I gonna check out the chicks?" LOL too funny ! Really he has been great about this because I really am to blame! He has been on me about it and I keep saying ya ya ya.
Ok anyway, I need to get it together, but I can't seem to get a dime extra to save. Paycheck in - bills out, nothing left.
How do I save if our debt=income??? and that isn't gas,food,oil or any "living" expenses !
Where can I cut? HELP !!!!!!!!!
I am reading MSN.com money and have got some good insite, but do any of you know how I can start this?
I am not into $$, I like to live. And I always help others, so I need a new start here, a new mind frame. I feel like I really want to get this going ... YAY but help me find out where extra cash is coming from.
What bills can I cut out, like get rid of cable TV ? what else? I live average, nothing fancy... food isn't big in my house, we eat to live, so that isn't a big thing . . .
HELP !!!!!!!!!!!!!!!
do ask me ?'s and give me ideas please!
Oh, thinking, instead of doing 10% in my 401K, should I do only the 6% they match, temporaraly and use that 45 bucks to save an emergency fund ??? good idea?
can I really save in car insurance shopping around?
whatdoyouthinnk ?????????
I am used to,if you need anything, I am right there buying it for ya ! now I am like oops !
Me and hubby are feeling some pain ! Time for a budget !
We have a house (got good price), 1 CC, I have 2 personal loans and 1 car payment.
We have GREAT credit and great jobs. We both do 401K's at work. He just opened a roth. We have small IRA's.
But we have no CASH! Not a penny ! No emergency fund! Yikes !
I am getting ready to go to work and I have no gas and not a dime to put some in. I will have to go find some change! This is pathetic!
I have always been the bill payer so it really is my fault here.
So last weekend, we decided a budget is needed and cuts!
We both gave up buying coffee on the way to work. His biggest concern was "darn, no Mary-Lou's, how am I gonna check out the chicks?" LOL too funny ! Really he has been great about this because I really am to blame! He has been on me about it and I keep saying ya ya ya.
Ok anyway, I need to get it together, but I can't seem to get a dime extra to save. Paycheck in - bills out, nothing left.
How do I save if our debt=income??? and that isn't gas,food,oil or any "living" expenses !
Where can I cut? HELP !!!!!!!!!
I am reading MSN.com money and have got some good insite, but do any of you know how I can start this?
I am not into $$, I like to live. And I always help others, so I need a new start here, a new mind frame. I feel like I really want to get this going ... YAY but help me find out where extra cash is coming from.
What bills can I cut out, like get rid of cable TV ? what else? I live average, nothing fancy... food isn't big in my house, we eat to live, so that isn't a big thing . . .
HELP !!!!!!!!!!!!!!!
do ask me ?'s and give me ideas please!
Oh, thinking, instead of doing 10% in my 401K, should I do only the 6% they match, temporaraly and use that 45 bucks to save an emergency fund ??? good idea?
can I really save in car insurance shopping around?
whatdoyouthinnk ?????????
I am used to,if you need anything, I am right there buying it for ya ! now I am like oops !