I knew this would happen, I have started mentioning that my husband took on a part time job, and the first thing I hear is "When will he sleep?" Trust me, it's a concern of mine, I am not heartless.
Either way, if I took on work he'd have to be awake with the kids, because daycare....that would defeat our purpose. Hubby thinks the kids would rather be home with me, and he would rather work because he could make more..(which he proved.)
I have to stop caring what other people think, they may not know our full disclosure of how much debt we have, but it's not their business either. Our thought is we got into this together, we get out of it together, he is not the only one making sacrifices here. We do what we have to do.
On other notes, last night I tried to work out a budget, and I am praying we can make this work and stick to it.
Friday, June 29, 2007
Thursday, June 28, 2007
Hit the Floor
I am Debt Mom, I am a stay at home mother of 2 wonderful children, boy (4) and girl (2). I have a loving husband who works full time, and starting Monday July 2, he will also be working part time, to get us out of this situation we call Debt.
His full time income is just starting to not be enough to cover bills, we are never late on payments, however we charge more than we pay, we don't have a budget, we do what we want, when we want. It stops now, I refuse to wait till I have creditors knocking on my door.
I am tired of going to bed with a stomach ache. I started this blog to give me an outlet because our families do not know, and we don't want them to know, our financial situation. Most of our friends do not know, but there are a select few that know a little bit.
I offered to get a part time job, so please don't think I am totally selfish! However his opinion was that kids like me better, and he could make more money. Sad to say he was correct on both accounts.
I ordered this book by Dave Ramsey, as well as the workbook (hey, whats another $28....we have 0 cash coming in for 2 weeks!) I want to prep myself and start working a budget worksheet to use with the next pay.
So bear with me, I can't stop the bleeding yet, as we have no means till July 11th. So my debt will increase, but we are trying to keep it at a minimum. My children's celebrate their birthdays very closely, and I know we will have to charge some if not all of their party expenses....ugh.
Our debts from smallest to largest....
Childrens Place Card - $96.56
Universal Savings Bank - $227.18
Kohls - $569.87
Chase - $12,051.98
MBNA - $14,847.22
Grand Total: $27,565.68
Holy Hell. How did we get here? Oh wait, we were here last year too.....but we consolidated that into a Home Equity loan (which for the moment, I am NOT concentrating on, I need to reign in on the credit cards first, and then worry about the non-revolving debt. However, since I know you are so interested we have a total debt of $72,053.68) Hello....wake up.....your children do not need closets full of clothes, and definitely not toys......
I have a slight addiction to toys, and especially stuffed ones, from Build A Bear. My children are well provided for, and want for nothing, even though Mommy should have taught them otherwise......I am sitting here in shock, that I just announced to all the readers that I am nearing $73,000 in debt.....I want to vomit.
So I have a feeling this will be a long journey, and a hard one, we will more than likely have some pits in the road here and there, join me, and bring me a cup of coffee.....cause I can't afford one! HA!
His full time income is just starting to not be enough to cover bills, we are never late on payments, however we charge more than we pay, we don't have a budget, we do what we want, when we want. It stops now, I refuse to wait till I have creditors knocking on my door.
I am tired of going to bed with a stomach ache. I started this blog to give me an outlet because our families do not know, and we don't want them to know, our financial situation. Most of our friends do not know, but there are a select few that know a little bit.
I offered to get a part time job, so please don't think I am totally selfish! However his opinion was that kids like me better, and he could make more money. Sad to say he was correct on both accounts.
I ordered this book by Dave Ramsey, as well as the workbook (hey, whats another $28....we have 0 cash coming in for 2 weeks!) I want to prep myself and start working a budget worksheet to use with the next pay.
So bear with me, I can't stop the bleeding yet, as we have no means till July 11th. So my debt will increase, but we are trying to keep it at a minimum. My children's celebrate their birthdays very closely, and I know we will have to charge some if not all of their party expenses....ugh.
Our debts from smallest to largest....
Childrens Place Card - $96.56
Universal Savings Bank - $227.18
Kohls - $569.87
Chase - $12,051.98
MBNA - $14,847.22
Grand Total: $27,565.68
Holy Hell. How did we get here? Oh wait, we were here last year too.....but we consolidated that into a Home Equity loan (which for the moment, I am NOT concentrating on, I need to reign in on the credit cards first, and then worry about the non-revolving debt. However, since I know you are so interested we have a total debt of $72,053.68) Hello....wake up.....your children do not need closets full of clothes, and definitely not toys......
I have a slight addiction to toys, and especially stuffed ones, from Build A Bear. My children are well provided for, and want for nothing, even though Mommy should have taught them otherwise......I am sitting here in shock, that I just announced to all the readers that I am nearing $73,000 in debt.....I want to vomit.
So I have a feeling this will be a long journey, and a hard one, we will more than likely have some pits in the road here and there, join me, and bring me a cup of coffee.....cause I can't afford one! HA!
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