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Thread: just need to get it out!!
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09-06-2010, 08:07 PM #1Registered User
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just need to get it out!!
I stepped down two and a half months ago and took a pay cut. Now everything is out of control. I am making payments late. I have bounced checks. So I am in a hole. I cant get out of the hole. Everytime I get paid I pay what I can to who I can and thats it. I am just about to lose my mind. So I decided today that I am going to the bank and try to get a $1000.00 loan to get everything caught up and get my checking account back to a positive amount. Then I will buy groceries and fill my gas tank.
I have decided to go ahead and get a second job. Part time. So that I can build an emergency fund and try to pay my truck off faster.
I cant stand all of this pressure. I have got to get this under control because it is driving me nuts.
Keep me in your thoughts please!!I love Lee!!
Mommy to Crixie
and Kitney
"She feels like kicking out the windows and setting fire to this life..."
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09-06-2010, 08:11 PM #2Moderator
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Not glad to hear what is happening to you, but am very glad that you came back to work it all out. You know that you can do - and will do it. We're here to help us all through, under and over all the bumps. Don't forget to let us know what and how you are doing.
Travel light. The baggage of the past can only hold you back.
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09-06-2010, 08:57 PM #3Registered User
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Hugs to you, Sweetie. I said a prayer for you.
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09-06-2010, 09:30 PM #4Moderator
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Sounds like a plan and a great way to step forward.
The Free Spirit Saver who walks the path with Greebo.
Onboard with a modified Dave Ramsey Plan
Budget: "Every month! On paper, on purpose!"
Gardening somewhere between Zone 6b and 7a.
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09-06-2010, 10:02 PM #5Registered User
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Sorry to hear about the difficulties you've been having. Hugs to you.
~ Michelle
Wife to DH--
Mom to DS--
and DD--
Avatar picture--Taken at Comanche Lookout Park, San Antonio,Tx. April,2010
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09-06-2010, 10:06 PM #6Registered User
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Sending a cyber hug to you. Wishing everything will turn out well for you.
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09-07-2010, 09:29 AM #7Rude and Vile Master
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2nd job. GOOD idea!!!
Originally Posted by fairydana
Loan. BAD idea. You cannot borrow yourself out of debt. You can't get out of a hole by continuing to dig.
You need to get on a budget. Your money is out of control - you need to get your money in control because if your money is out of control, your life is out of control.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!
ThreeTwo mortgages,twooneno car loans,oneno credit cards, and a partridge in pear tree!
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09-07-2010, 10:13 AM #8Registered User
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Fairydana-I am in the same exact boat as you. I get paid and pay everyone that I can and it still isn't enough. I am also getting a 2nd job to help dig myself outta this mess. My problems came on when my husband got sick. I know that there is a light to the end of this debt tunnel. Just stay positive, know that you are doing the best that you can do and feel free to PM me anytime. Maybe we can work together to find a way outta this mess.
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09-07-2010, 10:44 AM #9Registered User
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I think getting a second job is a great idea. Stay strong and k ow that we are here for you.
Dh Bob FIL 
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09-07-2010, 11:13 AM #10Registered User
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I agree, second job good idea, loan bad idea. you would just be putting yourself further in the hole.
Judy
never loose site of the big picture
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09-07-2010, 02:29 PM #11Registered User
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Getting a second job is a great plan and it will be hard but it doesn't have to be forever. It's so much easier to get into a mess then it is to get out. Good luck my friend
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09-07-2010, 04:10 PM #12Registered User
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It sounds like you have a plan. Hope everything works out. Let us know how it is going.
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09-08-2010, 09:17 PM #13Registered User
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ok!! So luckily I did not get a loan. At first I was upset but then I realized that it was a good thing. I couldnt get a loan to pay them back what I already owe, or something like that. So I have been a busy little bee gathering change and having it rolled. I am almost out of that stinking hole. I have a plan and I am going to follow through with it. I know that I can make this change. And stick with it.
I went to two places about a part time job and I know the mgrs of these stores because I have worked with them in the past at walmart. Thank goodness I am such a hard worker and an overall good employee. They said that it would be two or three weeks but that they wanted me. So yay!!
Thanks for all the hugs and prayers. Also thanks so much for the advice!!!I love Lee!!
Mommy to Crixie and Kitney
"She feels like kicking out the windows and setting fire to this life..."
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09-09-2010, 08:25 AM #14Rude and Vile Master
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GOOD JOB! Way to stick to the straight and narrow!
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!
ThreeTwo mortgages,twooneno car loans,oneno credit cards, and a partridge in pear tree!
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