Thursday, September 10, 2015
Anywho, remember when I lost my mind and bought a car then gave one away, well I am now slowly going crazy over this choice.
I want to start this decent into madness by saying that in no way are we poor. We have lived the frugal life for so long that we have no other debt but the damned car and the house. We also max out Den's 401k. On paper, we are doing great. But since I am so tight, the household budget hasn't seen a boost in money in probably 10 years. How crazy is that!?!?!? Every time Den gets a raise, we "put it somewhere." And then we forget it. The problem is that all the bills have gone up. Duh Sonya! So that is why I struggle. I refuse to give us a bit more cash to live on. Someday I will be thankful for the scraping by or I will be dead. I'm not sure yet.
We have the house payment which we pay bi-weekly and pay more on. We have gas and electric which I fight dearly to keep down. We have the car insurance, water, cell phones(which are almost paid off and will go down by $80ish a month) and our only splurge is $30 a month gym membership. Plus food and gas. You would think that getting a hybrid would cut our gas in half but we have been enjoying the scenery as of late. Our health and dental insurance is taken out of Den's check before he gets his check. We still pay for the kids cell phones and car insurance. Since we changed carriers, our cell bill is $100 a month less so I see it as a win and why not cover the kids since the bill is lower than before. Anna priced out car insurance and it was just too expensive for her plus since we changed insurance companies, the bill went down quite a bit. Yay Geico!!! So if I can cover the kids and the bill is half of what it was before I have no problem paying it for them. Save money and look like a nice guy-hell ya I'm there.
I guess the only thing for me to do is stop "putting money in an account", refinance and roll the car debt into the house and maybe take out extra to get windows, or continue to scrape by. The only real place that I can find extra money is the allotted grocery money and I have a hard time keeping it at $100 as it is. This madness is all my fault and I'm so very grateful that I have options. And the reason we have options is because we have worked so hard for so many years. But my question is, what would you do? This isn't a crisis but.........................................
And just to add to my madness, I need to close the pool, pack up everything from the deck and the surrounding area, I am trying to dejunk Anna's closet so that I can start on DJ's room and I am finding it very hard to get rid of her treasures. I really have whittled it down to the adorable things and I don't want to get rid of them. So this is making me a little nuts. Plus I need to start working on Christmas whether its buying or finding cash. And then I submitted my book Stratagem(which I got the rights back from Amazon) to my old publisher and they accepted it. So I need to work on the madness that goes along with that. I kid you not the last time I submitted a book just one question that I to answer had 27 parts! Also I might need to make dinner. Oh and we are going to Vegas with my inlaws the end of the month and I really don't have enough cash for that. UGH! I do this to myself.
Any ideas on how to help me not be crazy?
Slipping into madness,