Tuesday, July 12, 2011

Lack of

I was talking to a friend of mine the other day. We were talking about how our savings accounts are bare compared to last year. In a way, it was nice to know that I wasn't alone in the broke category but I knew their pain exactly. There are plenty of articles about it but it is different when you are face to face with someone.
Our bills are just about the same as before. The only difference is the $20 a week budgeted  for Anna is now going towards the extra we pay for the car insurance. Don't worry, this year she will be able to "live" off the money she saved.
So if none of our bills changed, where did it all go? Since the gas prices went so high(IL has some of the highest in the country), we weren't able to save money every week. We used what we saved for problems/emergencies/scheduled expenses/life's curve balls but couldn't replace it. TaDa, I've figured it all out.
I guess that we are back to the drawing board. It's nice to be able to give other helpful hints but I think I need to implement some of my own advice.
Broke but loved,
SonyaAnn

17 comments:

Mark said...

Listen, you sharing that information is very brave of you. I don't think that I could talk about money the way that you and a few others do. Fred has barely worked since 2004 so, believe me, I do understand struggle. But now you're thinking, "but Mark, everything I see you do on your Blog is fabulous!" That's true, but I'm Gay and I have to make it look that way. It's part of our job description.
Take care of yourself. Mark

SonyaAnn said...

Mark-Thank you! That was a very heartfelt comment. It is hard for us and so many and I think that it does help to know that you aren't alone.
I didn't know that that was part of the job description! You are too cute for words. Well I guess I found a few words after all.

McVal said...

Trust me... You're not alone! And we've got some big ticket items coming down the pike at our household... Dang. now I'm getting depressed!

SonyaAnn said...

McVal-Well don't get depressed, now I feel bad. We have some huge costs coming up too but its the ones that just get sprung on you that worry me.
Chin up, we always seem to make it through the bad times.

Sheila said...

We're broke too--we had over $10,000 in savings--but as of yesterday, we are down to $3000. We go pick up a new to us/used van tomorrow. Kevin's car broke down a couple of weeks ago--that was almost $500 to get it back on the road and it's a 2000 model so I don't want to keep spending big money on it. My other daughter just got her drivers license today so there goes our insurance--even more since the new/used car is being added to that too. Seems like we all get ahead a bit then something knocks us back down. NC has one of the highest gas taxes in the country and they just raised it again a week or so ago. I wish things would start looking up for all of us soon. Take care. PS--How is your leg doing? Hope you are feeling better.

SonyaAnn said...

Sheila-My leg is better as long as I don't walk uphill. Weird. Thank you for asking.
It does seem that "it"(sucking the savings) is hitting everyone. No one has been able to save anything that I know of. If it isn't one thing its another. I'm trying to get back on track but......
Good luck and you are always welcome to vent here. Just don't go getting depressed like McVal.

slugmama said...

@Mark--re:Fred....and you haven't cut up his credit cards yet? Do I need to come over and get all Gail Vaz-Oxlade on his hiney?lol
PS.And you ARE fabulous no matter if it's smoke and mirrors or the real thing!

It just seems to pour lately in the unexpected expenses category for everyone....you are NOT alone!
I just picked up a driver's manual for #2 son. Come Feb. we'll have THREE drivers under the age of 25 on our insurance and TWO of them are male(the double whammy). Should I hold a contest then to see how much our car insurance goes up?LOLOL Yes, I laugh so I don't cry.

So July is suppose to be a low spend month for us, especially the credit card that gets paid off each month, right? It's up to $1K AGAIN! I don't shop anywhere except the grocery store and Rite-Aid and I ONLY spend cash so who the hell is buying shit!?!? I walk around here like a crazy person yelling at them and nobody seems to know why the cc is $1K. I feel any money I am able to save each month is just getting gobbled up again by my family.
#2 son wants more sunglasses. I bought him 2 pair before camp(got a great cheap deal!).....he comes home with 1 pair. Seems he lent a pr. to a friend there who left w/out giving them back. How many times have I told him not to lend shit to people?!? About a million, especially if I have PAID for the shit they "borrow". So in the last week he has lost the last pr. of sunglasses. And now he NEEDS them for band camp. Well, maybe he should have left 1 pair home and put away until band camp began? No, common sense doesn't reside in this house apparently. Well, guess who is NOT getting more sunglasses?....unless he shells out his own money for them. ;-)

@Sheila...I know why your NC gas taxes are so high? Lack of tolls roads for revenue to the state. We use to have a running joke in VA since we lived so close to the NC line. Well it wasn't really a joke since it was mostly true. You would know the moment you crossed the state line into NC because you got jostled around in the car from the potholes, etc.lol Not that I'm hating on NC.....I love NC!

I think we need to caravan to Iowa and cheer McVal up.

What is wrong with your leg SonyaAnn? What did I miss??
I swear I have heat stroke....

Mark said...

Fred just admitted to me, the other day, that he does realize that he's spending too much these days. Now had I told him that, he would have ripped my head off. But we got a lot of things going on and he's a bit nervous about that. Maybe one day I can write about it but it's hush-hush for now.
I know, I'm such a tease. m.

SonyaAnn said...

sluggy-"No, common sense doesn't reside in this house apparently."-Same here. I think they will get it when they have to pay for everything. Anna is cheap as hell now. I was quite shocked to see her looking at the price of things and complaining about the cost of gas. She is bringing home $230 a week and $30 of it is going to gas. That really upset her. LOL
Money does seem to be flying out the doors over everyone's houses lately. I don't know anyone that has been able to save much. The price of everything has just gone up. I think that we all put off so much of what we needed and now that we have to replace whatever it is costing a ton more. So ready to drink yet?

SonyaAnn said...

Mark-Our boys are so much alike. And I just realized the other day when you asked me about the "boys" its Chicago slang. We all just refer to our men as boys and everyone is a guy even the girls. And we say buDDer instead of buTTer. Shocking.
And I think that your secret is a baby. That's the Chi-town guess.

Frances said...

I just found out why I am not fabulous! I don't have a gay. I gotta get me one of those!

It will get better SonyaAnn. I promise. You will be amazed at how much longer your money will last when your kids move out.

We have had a few big ticket expenses lately, but I have managed not to touch the savings account. Whew! I like seeing that money sitting there, so will cut out other stuff not to touch it.

slugmama said...

So Mark is keeping secrets from us.....Hmmmm. I wonder what he's got up his sleeve?

SonyaAnn....my daughter "got religion" the day she got her first paycheck. She did a classic cartoon "eye bugged out" take when she saw how much Uncle Sam took off the top. That's the day she discovered Salvation Army for shopping.lol
I am still waiting for #2 son to have the same "Come to Jesus" conversion with money.

Frances--I think you can get away with being fabulous anyway. Sweet Knees wears pink hair after all, right?lol
And I am hoping you are correct about the money stretching further when the kids leave. I've been running various numbers on what we will have to spend in retirement and it's looking dodgy if the kids don't leave.
Yah, I am SOOO ready for that drink!
Where's that bartender when ya need her! ;-)

SonyaAnn said...

Frances-I'm glad that you left your savings alone. It makes me nuts to take money out. And so I guess Im nuts cuz we have been taking quite a bit out.
Den and I were looking at the numbers and it does look like we will be quite well off if they live. IF they leave.

SonyaAnn said...

sluggy-It is a religion, isn't it? She just went to a second hand store for clothes to go back to school in. She also got lucky and a friend gave her some jeans that didn't fit anymore. She was glad to get them.
I'm lucky in the fact that DJ is tight with money, I'm also not so lucky cuz he tries to get us to pay for everything for him. He said that he is never leaving because it will be cheap to live here. Den said we will just have to charge him more than it would cost to live in an apartment. LOL

slugmama said...

DJ sounds like my brother....he kept coming back home rather than pay his rent.lol
Yah, charge him MORE to live there is the only way you'll shake free of him.....or find him a "honey", then he'll want to leave home! ;-)

SonyaAnn said...

sluggy-Life is just to good for DJ. I bet if he found a girlfriend that would change.

Frances said...

Sluggy, you are so right! I don't need my own gay man...I have a hubby that wears pink hair and fake boobs. It's almost like having 2 of me!