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  1. 08-22-2008, 09:35 AM #1
    lovestolaugh
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    Default About ready to give up

    I have just about had it. It seems that no matter how hard we try to limit or end expenses, they just keep rising. We were doing really well and then in the course of three weeks we spent another $6000 for much needed home repairs. Didn't have the money so had to put it on credit cards. I swear it feels like we are being punished for trying to be frugal. Everytime we take a step forward, we slide back 6. So frustrated right now. I have to rework the entire budget and it will take us another year to be debt free. Ugg! I feel like saying forget it and just giving up.
    Live - Laugh - Love

    2012 Goals:

    1. Build up EF.
    2. Lose weight.
    3. Quit smoking.
    4. Stay within my monthly budget.
    5. Continue paying down debt.
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  2. 08-22-2008, 09:41 AM #2
    Greebo
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    May I ask, what kind of much needed home repairs?
    If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.

    Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"

    Greebo    (Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
     WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!

    Three     Two mortgages, two one no car loans, one no credit cards, and a partridge in pear tree!
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  3. 08-22-2008, 11:39 AM #3
    lovestolaugh
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    plumbing.....nuf said!
    Live - Laugh - Love

    2012 Goals:

    1. Build up EF.
    2. Lose weight.
    3. Quit smoking.
    4. Stay within my monthly budget.
    5. Continue paying down debt.
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  4. 08-22-2008, 11:55 AM #4
    nodmicks
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    I've been there~ done that so I know exactly what you mean. What always kept me going is thinking how much worse off we would be in 5 years if we just gave up. You can do it!!!
    ~July 19 saving goal for event $104/$1000
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  5. 08-22-2008, 12:21 PM #5
    Greebo
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    Yeah, plumbing emergencies are genuine emergencies. I'm sorry that happened, but consider this...

    ... If you hadn't already been on the plan, how much worse off would you be now after the plumbing emergency than you are now?

    Hang in there - you know you're doing the right thing. This is a setback - life throws those at us - but you keep on moving forward and you will get there!
    If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.

    Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"

    Greebo    (Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
     WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!

    Three     Two mortgages, two one no car loans, one no credit cards, and a partridge in pear tree!
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  6. 08-22-2008, 12:53 PM #6
    mombottoo
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    Plumbing repairs definitely are a necessity...I understand your frustration, but it too will pass. Keep plugging away and you will get to where you want to be.
    "Life is what happens while you are busy making other plans." John Lennon
    "Infinite goodness has wide arms." Dante

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  7. 08-22-2008, 08:41 PM #7
    reginaastralis
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    Quote Originally Posted by Greebo View Post
    Yeah, plumbing emergencies are genuine emergencies. I'm sorry that happened, but consider this...

    ... If you hadn't already been on the plan, how much worse off would you be now after the plumbing emergency than you are now?

    Hang in there - you know you're doing the right thing. This is a setback - life throws those at us - but you keep on moving forward and you will get there!
    I agree with this line of thought completely. While I am sitting here pinching my pennies ... really wanting to stop off at Starbucks but reminding myself that I shouldn't ...

    Needless to say, the last time my car broke down and I had the money to fix it ... that was a WHOLE lot better than a skinny soy caramel latte over ice.

    Keep your chin up!
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  8. 08-22-2008, 10:22 PM #8
    cheapskate 49
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    Stay strong you will get through this.
    My Dh always says our bank account has alarm system that goes off when we get extra money...sure enough this week is was my hard drive and the toilet...another wallet extraction completeLOL
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  9. 08-22-2008, 11:00 PM #9
    ChristopherJ
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    Wow, that's a lot of plumbing. Seriously though, if you let that defeat you...you let an expensive plumbing repair become the impassible obstacle in your path towards your goals, you've taken your eyes off the goal.

    Football coaches use this all the time...focus on that endzone, don't focus on the other players coming at you on the other team. When confronted, you'll do what's necessary to get by them, and then continue running towards that touchdown. If you're looking at your obstacles, you've taken your eyes off the goal.

    Blow past this, shrug it off, and keep on keepin' on. Keep bashing "Murphy" in the face and he'll leave.
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