Hi all,
Let me give you some background since I am fairly new to Frugal Village.
I work full time, my DH stays home with our son- this decision was partly due to the fact that I make more money than he can and that what money he would make working full time would all go to paying for someone else to raise our son anyway. We bought our house a little less than 2 years ago.
In June-Sept I was out of work for 3 months. This hurt us financially. I had to make a repayment plan with the mortgage and had payment plans with everyone else.. I retured to work in Sept then our only vehicle died in Oct. We were forced to get another vehicle.
Currently, we are behind on all the monthly bills, we have to pay $120 a week for the car, full coverage car insurance, I had to set up a payment arrangement to pay the water and sewer taxes, I have received shut off notices for all the monthly bills-paid the phone/internet and am going to make a payment arrangement for the lights. The gas is only for heat so thankfully we haven't had to use it much and will be able to pay it down before next fall.
The problem is that I haven't paid the mortgage yet this month, I still have to pay for the car, and set up the payment plan with the light company. I'm worried that I won't be able to pay the mortgage this month and then have to pay double next month- if I can. If I make another repayment plan my monthly payment goes up higher so I don't want to do that.
My company hit front page news and is now being sold- our census dropped so they cut all overtime. This hurt us. Without the overtime I can't do it. My husband is having a hard time finding a part time job that revolves around my schedule (again, we only have the one car and noone to watch our son) to help make up the difference.
I'm sure that I can make it through this month but I'm worried about next month and so on.
We don't shop anymore, stopped eating out, my freezer is stocked, I have a fairly decent stockpile to eat from, we've unplugged everything we can, we have no savings, no credit cards, bad credit because of the previous repayment plan with our mortgage(even though you are paying it drops your score because it is still recorded as late), I started making my own laundry detergent, dishwasher detergent, hanging out clothes instead of using the dryer, make my own cat litter,and will start making a no shampoo-shampoo.
What more can I do? My phone/internet is connected and is fairly cheap. I have a long distance package that is a great deal for us since everyone we know is long distance,even my job is.
What more can I do?
Please, any suggestions would be greatly appreciated.
Tips,ideas,quick income... We are going to have a tag sale this weekend so that will give us some money but lately everyone I know has done horrible with tag sales.. It's almost not even worth it!
We've started a change jar but don't have cash often so it doesn't grow that fast.
My anxiety is killing me!
I plan to start making my own bread so that is a small savings also, when my store bought cleaners are finished I will start to make those also. We don't have cable-haven't had it in years, stopped using paper towels and paper plates. I just don't see what else I can do.
Any 'work from home' job I find it seems there's an upfront cost.
Again, Any suggestions would be great.
Oh yeah, I don't qualify for any type of assistance because 'I make too much money'
I know this is all our own fault for living above our means for so long but I'm awake now and am doing everything I can to change our ways. I also know that over time things will get better-they always do, but I'm petrified to lose my house, I worked too hard to get it!
ok, sorry I'm rambling and repeating myself. I'm sorry. I'm just worried and I know you guys will have great suggestions/tips for me. Feel free to ask questions if you need more information to give me suggestions.
Thank you
Amy
Let me give you some background since I am fairly new to Frugal Village.
I work full time, my DH stays home with our son- this decision was partly due to the fact that I make more money than he can and that what money he would make working full time would all go to paying for someone else to raise our son anyway. We bought our house a little less than 2 years ago.
In June-Sept I was out of work for 3 months. This hurt us financially. I had to make a repayment plan with the mortgage and had payment plans with everyone else.. I retured to work in Sept then our only vehicle died in Oct. We were forced to get another vehicle.
Currently, we are behind on all the monthly bills, we have to pay $120 a week for the car, full coverage car insurance, I had to set up a payment arrangement to pay the water and sewer taxes, I have received shut off notices for all the monthly bills-paid the phone/internet and am going to make a payment arrangement for the lights. The gas is only for heat so thankfully we haven't had to use it much and will be able to pay it down before next fall.
The problem is that I haven't paid the mortgage yet this month, I still have to pay for the car, and set up the payment plan with the light company. I'm worried that I won't be able to pay the mortgage this month and then have to pay double next month- if I can. If I make another repayment plan my monthly payment goes up higher so I don't want to do that.
My company hit front page news and is now being sold- our census dropped so they cut all overtime. This hurt us. Without the overtime I can't do it. My husband is having a hard time finding a part time job that revolves around my schedule (again, we only have the one car and noone to watch our son) to help make up the difference.
I'm sure that I can make it through this month but I'm worried about next month and so on.
We don't shop anymore, stopped eating out, my freezer is stocked, I have a fairly decent stockpile to eat from, we've unplugged everything we can, we have no savings, no credit cards, bad credit because of the previous repayment plan with our mortgage(even though you are paying it drops your score because it is still recorded as late), I started making my own laundry detergent, dishwasher detergent, hanging out clothes instead of using the dryer, make my own cat litter,and will start making a no shampoo-shampoo.
What more can I do? My phone/internet is connected and is fairly cheap. I have a long distance package that is a great deal for us since everyone we know is long distance,even my job is.
What more can I do?
Please, any suggestions would be greatly appreciated.
Tips,ideas,quick income... We are going to have a tag sale this weekend so that will give us some money but lately everyone I know has done horrible with tag sales.. It's almost not even worth it!
We've started a change jar but don't have cash often so it doesn't grow that fast.
My anxiety is killing me!
I plan to start making my own bread so that is a small savings also, when my store bought cleaners are finished I will start to make those also. We don't have cable-haven't had it in years, stopped using paper towels and paper plates. I just don't see what else I can do.
Any 'work from home' job I find it seems there's an upfront cost.
Again, Any suggestions would be great.
Oh yeah, I don't qualify for any type of assistance because 'I make too much money'
I know this is all our own fault for living above our means for so long but I'm awake now and am doing everything I can to change our ways. I also know that over time things will get better-they always do, but I'm petrified to lose my house, I worked too hard to get it!
ok, sorry I'm rambling and repeating myself. I'm sorry. I'm just worried and I know you guys will have great suggestions/tips for me. Feel free to ask questions if you need more information to give me suggestions.
Thank you
Amy