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We're never going to get caught back up

Posted by Anonymous   + Show Post

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We got behind on some of our bills in dec and January. Weather related. Dh is back working but he isn't getting many hours. He'll go in and it will start raining and get sent home. If he works all day today. He'll have 30 hr next week. Which will make for a crappy check. i am trying to pay extra on my rent weekly to get it caught up. I am paying weekly until we get it caught up. as of right now i am only able to pay an extra $100 a week and my rent is $825 a month. But i also have a car payment i got behind on and i am paying $100 a week on too. When it is normally $150 biweekly.
His check this week was only $500 Because he didn't even get quite 40 hrs last week. My check was $600 but i get paid bi weekly. But i have $175 car insurance to pay, $100 car, $400 in rent. After all of that well have $200 left. And now it looks like it will rain all next week too.

Next week dh check will be shit and i got my cell phone automatically coming out.

I am waiting on our taxes which isn't much but is enough to get us caught up. But ut hasn't moved past received. It has been there for over a week. I jopr2 it gets deposited next week. Otherwise i won't be able to pay extra on my rent
I just want to get caught up. I am also behind on our credit cards and they are blowing our phone up.

Just a vent after i checked next weeks weather. Ugh
Posted by Anonymous on Feb. 9, 2018 at 11:48 AM
Replies (21-30):
Anonymous
by Anonymous 1 - Original Poster on Feb. 9, 2018 at 12:14 PM
No an asshole is one who start talking eviction for being a few days late. My landlord is nice and willing to work with you as long as you are trying.

Quoting MrsDavidB25:

So if a landlord expects rent on the specified day in the lease they are assholes?  Are you being serious?

Quoting Anonymous 1: Some landlords are not assholes and understand shit happens. As long as you are making ab effort they will work with you. It isn't like we just stop paying. We did talk to him about .

Quoting MrsDavidB25:

So you are behind on rent?  What kind of landlord is ok with the tenants not paying rent on time? I was under the impression you had to pay or face eviction.

Anonymous
by Anonymous 1 - Original Poster on Feb. 9, 2018 at 12:17 PM
Our cc debt isn't that high. About $1500. I was working on paying it down then this happened


Quoting Anonymous 7:

Any man or woman who works in the trades seems to be very, very dependent on the weather. They go through weeks and even months where they are making very little . Is there anyway you both could cut up the credit cards you don't need, consolidate your credit card debut and once you pay it off, never again hold a balance?

rockymtngirl
by Ruby Member on Feb. 9, 2018 at 12:19 PM
You'll get it back. I lost my credit 20 years ago due to a divorce. Hard work and time will change that. Mine is stellar now. Good luck!

Quoting Anonymous 5:

DH pays his truck payment weekly. 

I pay my Aarons weekly as well. (I know Aarons is a bad company but it was that or least $100 a month going to the laundromat)

My credit was blown by the exDH I have 2 more years of hell before I can even think of trying for normal credit again.

Quoting rockymtngirl: You pay your car payment twice a month? That is odd. It sounds like you've blown your credit with the cc's.

Anonymous
by Anonymous 7 on Feb. 9, 2018 at 12:20 PM

Would you and your husband even consider meeting with a financial planner just to go over your budget? Do you have any savings plans for your children college or a 401K for your retirement?

Quoting Anonymous 1: Our cc debt isn't that high. About $1500. I was working on paying it down then this happened
Quoting Anonymous 7:

Any man or woman who works in the trades seems to be very, very dependent on the weather. They go through weeks and even months where they are making very little . Is there anyway you both could cut up the credit cards you don't need, consolidate your credit card debut and once you pay it off, never again hold a balance?


sonnyswoman75
by Platinum Member on Feb. 9, 2018 at 12:22 PM
I know your pain. I am behind on bills too because I lost my job in December. I finally got a new one as a cab driver but that isn't paying with no one going out in this crappy weather. I won't be getting my income tax refund until late February because of EIC.
Anonymous
by Anonymous 1 - Original Poster on Feb. 9, 2018 at 12:23 PM
Mk college fund. But my state offers 4 yr free college to anyone who has graduated. And no 401 k. Roght2 now we are just trying to stay afloat. We've had a lot of changes within the past yr and we have been trying to build ourselves back up to comfortable position and keep hitting roadblocks


Quoting Anonymous 7:

Would you and your husband even consider meeting with a financial planner just to go over your budget? Do you have any savings plans for your children college or a 401K for your retirement?

Quoting Anonymous 1: Our cc debt isn't that high. About $1500. I was working on paying it down then this happened


Quoting Anonymous 7:

Any man or woman who works in the trades seems to be very, very dependent on the weather. They go through weeks and even months where they are making very little . Is there anyway you both could cut up the credit cards you don't need, consolidate your credit card debut and once you pay it off, never again hold a balance?

Anonymous
by Anonymous 1 - Original Poster on Feb. 9, 2018 at 12:24 PM
I don't know what is delaying my taxes. No eic or ectc. So i dont know.

Quoting sonnyswoman75: I know your pain. I am behind on bills too because I lost my job in December. I finally got a new one as a cab driver but that isn't paying with no one going out in this crappy weather. I won't be getting my income tax refund until late February because of EIC.
Anonymous
by Anonymous 7 on Feb. 9, 2018 at 12:30 PM

I am 56 and I imagine you are a few decades younger. Here is the thing, if you do not start saving for retirement, you will be living off of social security and NOBODY can live comfortably off of social security. If your child or children want to go to somewhere besides a state school, they will be out of options except to take out huge student loans that could keep them in debt for years and years. Your husband likely has a very job that requires a certain amount of physical labor and can you imagine what would happen to your finances if he was out on disability ..most guys my age who began as construction workers or landscapers made fairly good money starting out but they are in terrible shape forty years down the road and with so other job skills or formal education, they are limited in what they can do. I am wishing you the best but think about some long term planning.

Quoting Anonymous 1: Mk college fund. But my state offers 4 yr free college to anyone who has graduated. And no 401 k. Roght2 now we are just trying to stay afloat. We've had a lot of changes within the past yr and we have been trying to build ourselves back up to comfortable position and keep hitting roadblocks
Quoting Anonymous 7:

Would you and your husband even consider meeting with a financial planner just to go over your budget? Do you have any savings plans for your children college or a 401K for your retirement?

Quoting Anonymous 1: Our cc debt isn't that high. About $1500. I was working on paying it down then this happened
Quoting Anonymous 7:

Any man or woman who works in the trades seems to be very, very dependent on the weather. They go through weeks and even months where they are making very little . Is there anyway you both could cut up the credit cards you don't need, consolidate your credit card debut and once you pay it off, never again hold a balance?



Anonymous
by Anonymous 8 on Feb. 9, 2018 at 12:35 PM

So your DH works construction??
Unless its his first year you should know how the system works....you need to save some money from the spring/summer when he's working a lot to help cover the bills in the slow season

Hell I'm not even in construction and I know that

Also taxes with an EIC won't even start to be processed until the 15th so you've got at least another week

Anonymous
by Anonymous 1 - Original Poster on Feb. 9, 2018 at 12:35 PM
2 decades younger. If my kids want to go out of state they can pay for it
Like i did. And my dh wouldn't get social security he would ssdi which is different. And i will worry about that later. I cant worry about the future until i get the present straighten out.

Quoting Anonymous 7:

I am 56 and I imagine you are a few decades younger. Here is the thing, if you do not start saving for retirement, you will be living off of social security and NOBODY can live comfortably off of social security. If your child or children want to go to somewhere besides a state school, they will be out of options except to take out huge student loans that could keep them in debt for years and years. Your husband likely has a very job that requires a certain amount of physical labor and can you imagine what would happen to your finances if he was out on disability ..most guys my age who began as construction workers or landscapers made fairly good money starting out but they are in terrible shape forty years down the road and with so other job skills or formal education, they are limited in what they can do. I am wishing you the best but think about some long term planning.

Quoting Anonymous 1: Mk college fund. But my state offers 4 yr free college to anyone who has graduated. And no 401 k. Roght2 now we are just trying to stay afloat. We've had a lot of changes within the past yr and we have been trying to build ourselves back up to comfortable position and keep hitting roadblocks


Quoting Anonymous 7:

Would you and your husband even consider meeting with a financial planner just to go over your budget? Do you have any savings plans for your children college or a 401K for your retirement?

Quoting Anonymous 1: Our cc debt isn't that high. About $1500. I was working on paying it down then this happened


Quoting Anonymous 7:

Any man or woman who works in the trades seems to be very, very dependent on the weather. They go through weeks and even months where they are making very little . Is there anyway you both could cut up the credit cards you don't need, consolidate your credit card debut and once you pay it off, never again hold a balance?

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